Best No Interest Credit Cards of January 2025

Last updated Jan. 21, 2025 | By FinanceBuzz Editors

When you're paying high interest on your credit card balance, it's hard not to feel like debt follows you everywhere. Stop making high-interest credit card payments and transfer your debt to one of these fantastic cards from our partners, offering 0% intro APR periods for up to 21 months.

Credit Card	Intro APR	Regular APR	Welcome Bonus	Annual Fee	Financebuzz Rating	Learn More
Citi Simplicity^® Card Apply Now on Citi's secure website Rates and fees	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 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Citi's secure website Rates and fees
Wells Fargo Reflect^® Card Apply Now on Wells Fargo's secure website Rates and fees	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 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Wells Fargo's secure website Rates and fees
Capital One VentureOne Rewards Credit Card Apply Now on Capital One's secure website Rates and fees	BALANCE TRANSFER: 0%, 15 months PURCHASES: 0%, 15 months	19.24% - 29.24% (Variable)	20,000 Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening Miles	$0	Excellent for travel + intro balance transfer perks 4.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Capital One's secure website Rates and fees
Discover it^® Cash Back Apply Now on Discover's secure website Rates and fees	BALANCE TRANSFER: 0%, 15 months PURCHASES: 0%, 15 months	18.24% - 27.24% Variable	Cashback Match™ INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.	$0	Excellent for high-rate cash back categories 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Discover's secure website Rates and fees
Chase Freedom Unlimited^® Apply Now on Chase's secure website	BALANCE TRANSFER: 0%, 15 months PURCHASES: 0%, 15 months	19.49% - 28.24% Variable	Up to $300 Cash Back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)	$0	Excellent for cash back on traveling and dining 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Chase's secure website
Bank of America^® Travel Rewards credit card Apply Now on Bank of America's secure website	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 Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases Points	$0	Excellent for easy travel rewards redemption 4.1 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Bank of America's secure website
Capital One Quicksilver Cash Rewards Credit Card Apply Now on Capital One's secure website Rates and fees	BALANCE TRANSFER: 0%, 15 months PURCHASES: 0%, 15 months	19.24% - 29.24% (Variable)	$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening	$0	Excellent for cash back + intro balance transfer perks 4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Capital One's secure website Rates and fees
Discover it^® Chrome Apply Now on Discover's secure website Rates and fees	BALANCE TRANSFER: 0%, 18 months PURCHASES: 0%, 6 months	18.24% - 27.24% Variable	Cashback Match™ INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.	$0	Excellent for cash back and paying down debt 4.2 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Discover's secure website Rates and fees
Citi Double Cash^® Card Apply Now on Citi's secure website Rates and fees	BALANCE TRANSFER: 0%, 18 months PURCHASES: N/A, N/A	18.24% - 28.24% (Variable)	$200 Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back	$0	Excellent for high flat-rate cash back rewards 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Apply Now on Citi's secure website Rates and fees

Compare Today's Top No Interest Credit Cards

Excellent for helping pay down debt

Citi <span class='whitespace-nowrap'>Simplicity<sup>®</sup></span> Card

Citi Simplicity^® Card

4.5

Apply Now

on Citi’s secure website

Rates and fees

Citi Simplicity^® Card

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months

Regular APR

18.24% - 28.99% (Variable)

Annual fee

Why We Like It

Card Details

Excellent for balance transfer perks + no annual fee

Wells Fargo <span class='whitespace-nowrap'>Reflect<sup>®</sup></span> Card

Wells Fargo Reflect^® Card

4.9

Apply Now

on Wells Fargo’s secure website

Rates and fees

Wells Fargo Reflect^® Card

Intro APR

Purchases: 0%, 21 months from account opening
Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable

Annual fee

Why We Like It

Card Details

Excellent for travel + intro balance transfer perks

Capital One VentureOne Rewards Credit Card

4.0

Apply Now

on Capital One’s secure website

Rates and fees

Capital One VentureOne Rewards Credit Card

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months; Balance transfer fee applies

Regular APR

19.24% - 29.24% (Variable)

Annual fee

Why We Like It

Card Details

Excellent for high-rate cash back categories

Discover <span class='whitespace-nowrap'>it<sup>®</sup></span> Cash Back

Discover it^® Cash Back

4.7

Apply Now

on Discover’s secure website

Rates and fees

Discover it^® Cash Back

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.24% Variable

Annual fee

Why We Like It

Card Details

Excellent for cash back on traveling and dining

Chase Freedom <span class='whitespace-nowrap'>Unlimited<sup>®</sup></span>

Chase Freedom Unlimited^®

4.7

Apply Now

on Chase’s secure website

Chase Freedom Unlimited^®

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Regular APR

19.49% - 28.24% Variable

Annual fee

Why We Like It

Card Details

Excellent for easy travel rewards redemption

Bank of <span class='whitespace-nowrap'>America<sup>®</sup></span> Travel Rewards credit card

Bank of America^® Travel Rewards credit card

4.1

Apply Now

on Bank of America’s secure website

Bank of America^® Travel Rewards credit card

Intro APR

Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24% Variable

Annual fee

Why We Like It

Card Details

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Excellent for cash back + intro balance transfer perks

Capital One Quicksilver Cash Rewards Credit Card

4.5

Apply Now

on Capital One’s secure website

Rates and fees

Capital One Quicksilver Cash Rewards Credit Card

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months; Balance transfer fee applies

Regular APR

19.24% - 29.24% (Variable)

Annual fee

Why We Like It

Card Details

Excellent for cash back and paying down debt

Discover <span class='whitespace-nowrap'>it<sup>®</sup></span> Chrome

Discover it^® Chrome

4.2

Apply Now

on Discover’s secure website

Rates and fees

Discover it^® Chrome

Intro APR

Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months

Regular APR

18.24% - 27.24% Variable

Annual fee

Why We Like It

Card Details

Excellent for high flat-rate cash back rewards

Citi Double <span class='whitespace-nowrap'>Cash<sup>®</sup></span> Card

Citi Double Cash^® Card

5.0

Apply Now

on Citi’s secure website

Rates and fees

Citi Double Cash^® Card

Intro APR

Purchases: N/A, N/A
Balance Transfers: 0%, 18 months

Regular APR

18.24% - 28.24% (Variable)

Annual fee

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

$0 annual fee.
0% intro APR on purchases for 12 months, then 18.24% - 28.99% (Variable) APR
Includes access to Citi Entertainment, which offers exclusive presales.
Apply Now

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Stay protected with Citi® Quick Lock

4.5

Apply Now

on Citi’s secure website

Read Card Review

Intro Offer

Long introductory APR period on balance transfers

Annual Fee

Why we like it

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.

Are no interest credit cards worth it?

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.

Who can benefit from a card with a 0% intro APR offer?

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.

What happens when a 0% intro APR offer ends?

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.

How is APR different from interest?

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 the annual fee, travel benefits, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.

Compare Today's Top No Interest Credit Cards

Bottom Line

Frequently Asked Questions

How we chose these cards

Advertiser Disclosure

Editorial Policy