Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings on interest. Check out these featured card offers from our partners below.
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee | Financebuzz Rating |
|---|---|---|---|---|---|
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card |
PURCHASES:
0%, 12 months
BALANCE TRANSFER:
0%, 21 months
|
18.24% - 28.99% (Variable)
|
N/A
|
$0
|
Excellent for helping pay down debt
4.5
|
/images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card |
PURCHASES:
0%, 21 months from account opening
BALANCE TRANSFER:
0%, 21 months from account opening on qualifying balance transfers
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
Excellent for balance transfer perks + no annual fee
4.9
|
/images/2024/12/16/bofa-unlimited_cash.png)
Bank of America® Unlimited Cash Rewards credit card |
PURCHASES:
0%, 15 billing cycles
BALANCE TRANSFER:
0%, 15 billing cycles for any balance transfers made in the first 60 days
|
18.24% - 28.24% Variable
|
$200
|
$0
|
Excellent for uncomplicated cash back rewards
4.5
|
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
Wells Fargo Active Cash® Card |
PURCHASES:
0%, 12 months from account opening
BALANCE TRANSFER:
0%, 12 months from account opening on qualifying balance transfers
|
19.24%, 24.24%, or 29.24% Variable
|
$200
Cash rewards
|
$0
|
Excellent for high flat-rate cash rewards
5.0
|
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card |
PURCHASES:
N/A, N/A
BALANCE TRANSFER:
0%, 18 months
|
18.24% - 28.24% (Variable)
|
$200
|
$0
|
Excellent for high flat-rate cash back rewards
5.0
|
/images/2024/12/16/chase-freedom-unlimited-12162024.png)
Chase Freedom Unlimited®
Apply Now
on Chase's secure website
|
PURCHASES:
0%, 15 months
BALANCE TRANSFER:
0%, 15 months
|
19.49% - 28.24% Variable
|
Up to $300 Cash Back
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
Compare Today's Top No Interest Credit Cards
Citi Simplicity® Card
Wipe out high interest rates for nearly 2 years!
The Citi Simplicity® Card features a category-leading 21 months of 0% intro APR on balance transfers. Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!
The Simplicity card has no late fees, no annual fee, and no penalty rates; plus, new cardholders can enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 18.24% - 28.99% (Variable) for the Citi Simplicity® Card(Rates and fees).
Annual Fee: $0
Wells Fargo Reflect® Card
Imagine getting 21 months from account opening with an intro 0% APR on qualifying balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect® Card(Rates and fees).
If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers (then, an APR of 17.24%, 23.74%, or 28.99% Variable applies). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!
It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases; then, an APR of 17.24%, 23.74%, or 28.99% Variable applies.
The best part? There's no annual fee.
Bank of America® Unlimited Cash Rewards credit card
If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America® Unlimited Cash Rewards credit card.
Enjoy a 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 18.24% - 28.24% Variable.
You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards® member. With rates that high, you can rack up some serious cash back in no time at all.
Click here to apply for the Bank of America® Unlimited Cash Rewards credit card now.
Wells Fargo Active Cash® Card
If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card(Rates and fees) checks both of those boxes!
New cardholders can benefit from an intro APR of 0% for 12 months from account opening on purchases and qualifying balance transfers (then 19.24%, 24.24%, or 29.24% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.
Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!
Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.
The best part? There's no annual fee.
Click here to apply for the Wells Fargo Active Cash® Card now.
Citi Double Cash® Card
Looking for a leading balance transfer credit card that offers perks beyond the introductory period? Then the Citi Double Cash® Card could be just the card for you.
Say goodbye to interest payments on balance transfers into 2026 thanks to a 0% intro APR for 18 months; then 18.24% - 28.24% (Variable)! That’s a solid year and a half to make a significant dent in your credit card debt.
Plus, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit, or check.
Enjoy all this with no annual fee with the Citi Double Cash® Card(Rates and fees).
Chase Freedom Unlimited®
Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited® Card!
With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until April 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 19.49% - 28.24% Variable.
And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.
Annual Fee: $0
Click here to apply for the Chase Freedom Unlimited® Card now.
Bottom Line
The Citi Simplicity® Card is a great choice for almost everyone. Who doesn't love 21 months with an intro 0% APR on balance transfers — all without an annual fee?
- Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 18.24% - 28.99% (Variable).
- No fees: The Simplicity card has no late fees, no annual fee, and no penalty rates. Perfect for someone looking to pay down debt, not add to it.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Simplicity card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
- Flexible Payment Date: Choose to pay your bill on any available due date at the beginning, middle, or end of the month.
- Account Protection: Enjoy $0 liability on unauthorized charges and Fraud Early Warning with the Citi Simplicity® Card(Rates and fees).
» Click here to apply now and pay no interest until nearly 2027 on balance transfers
Benefits Card Details Intro Offer
Long introductory APR period on balance transfers
Annual Fee $0 Why we like it
/images/2024/12/16/citi-simplicity.jpg)
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.