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 | Annual Fee | Financebuzz Rating |
|---|---|---|---|---|
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Citi Simplicity® Card |
BALANCE TRANSFER:
0%, 21 months
PURCHASES:
0%, 12 months
|
18.24% - 28.99% (Variable)
|
$0
|
Excellent Intro 0% APR On Balance Transfers For 21 Months - Until Nearly 2027!
4.5
|
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
Discover it® Chrome |
BALANCE TRANSFER:
0%, 18 months
PURCHASES:
0%, 6 months
|
18.24% - 27.24% Variable
|
$0
|
Outstanding 0% Intro APR Period For 18 Months On Balance Transfers + Up To 2% Cash Back
4.2
|
/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
|
$0
|
Excellent for easy travel rewards redemption
4.1
|
/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
|
$0
|
Extra Long Intro APR On Purchases & Qualifying Balance Transfers
4.9
|
/images/2024/12/16/chase-freedom-unlimited-12162024.png)
Chase Freedom Unlimited®
Apply Now
on Chase's secure website
|
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.49% - 28.24% Variable
|
$0
|
0% Intro APR For 15 Months (Until 2026!) + Up To 6.5% Cash Back
4.7
|
/images/2024/12/18/capital_one_ventureone_rewards_card_art.png)
Capital One VentureOne Rewards Credit Card |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
$0
|
Excellent for travel + intro balance transfer perks
4.0
|
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card |
BALANCE TRANSFER:
0%, 18 months
PURCHASES:
N/A, N/A
|
18.24% - 28.24% (Variable)
|
$0
|
0% Intro APR On Balance Transfers For 18 Months - Into 2026!
5.0
|
Compare Today's Top No Interest Credit Cards
EXCELLENT INTRO 0% APR ON BALANCE TRANSFERS FOR 21 months - UNTIL NEARLY 2027!
/images/2024/12/16/citi-simplicity.jpg)
Citi Simplicity® Card
Balance Transfers: 0%, 21 months
Why We Like It
Card Details
Outstanding 0% Intro APR Period For 18 months on balance transfers + up to 2% cash back
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
Discover it® Chrome
Balance Transfers: 0%, 18 months
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
EXTRA LONG INTRO APR ON PURCHASES & QUALIFYING BALANCE TRANSFERS
/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
0% intro APR for 15 months (Until 2026!) + up to 6.5% cash back
/images/2024/12/16/chase-freedom-unlimited-12162024.png)
Chase Freedom Unlimited®
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for travel + intro balance transfer perks
/images/2024/12/18/capital_one_ventureone_rewards_card_art.png)
Capital One VentureOne Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
0% INTRO APR ON BALANCE TRANSFERS FOR 18 months - INTO 2026!
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card
Balance Transfers: 0%, 18 months
Why We Like It
Card Details
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.