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 |
|---|---|---|---|---|---|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited® |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.49% Variable
|
$250
Bonus
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
|
2025 award winner Best 0% Intro APR Credit Card /images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card |
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
Excellent for balance transfer perks + no annual fee
4.9
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Discover it® Cash Back |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for high-rate cash back categories
4.7
|
|
2025 award winner Best for Balance Transfers /images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card |
Balance Transfer:
0%, 21 months
Purchases:
0%, 12 months
|
18.24% - 28.99% (Variable)
|
N/A
|
$0
|
Excellent for helping pay down debt
4.5
|
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
Capital One Quicksilver Cash Rewards Credit Card |
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
$200
Cash bonus
|
$0
|
Excellent for cash back + intro purchase and balance transfer perks
4.5
|
/images/2024/12/16/bofa-travel.png)
Bank of America® Travel Rewards credit card |
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
18.24% - 28.24% Variable
|
25,000
Points
|
$0
|
Excellent for easy travel rewards redemption
4.4
|
Today's Top Credit Cards
2025 award winner Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited®
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
2025 award winner Best 0% Intro APR Credit Card
/images/2022/04/27/0427_reflect.png)
Wells Fargo Reflect® Card
Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers
Why We Like It
Card Details
Excellent for high-rate cash back categories
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Discover it® Cash Back
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
2025 award winner Best for Balance Transfers
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card
Balance Transfers: 0%, 21 months
Why We Like It
Card Details
Excellent for cash back + intro purchase and balance transfer perks
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
Capital One Quicksilver Cash Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
Excellent for easy travel rewards redemption
/images/2024/12/16/bofa-travel.png)
Bank of America® Travel Rewards credit card
Balance Transfers: 0%, 15 billing cycles for any balance transfers made in the first 60 days
Why We Like It
Card Details
Bottom Line
LIMITED-TIME OFFER
The Chase Freedom Unlimited®(Rates and fees) is a great choice for almost everyone. Cardholders can benefit from a generous cash back program while also enjoying 0% intro APR for 15 months from account opening on balance transfers and purchases (APR then 18.99% - 28.49% Variable) — all without an annual fee.
- Cash rewards: Cardholders can 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.
- Intro APR: Enjoy a 0% introductory APR on purchases and balance transfers for 15 months. After the intro period the APR is 18.99% - 28.49% Variable.
- No annual fee: The Freedom Unlimited card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
- 🚨 LIMITED-TIME OFFER: The Chase Freedom Unlimited® card let's you earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. Don't wait to apply — this rare offer won't be around forever!
Click here to apply for Chase Freedom Unlimited® now.
2025 award winner
Best for Dining Out Benefits Card Details Intro Offer
Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee $0 Why we like it
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
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.