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 |
---|---|---|---|---|---|
![]() Capital One VentureOne Rewards Credit Card |
BALANCE TRANSFER:
0%, 15 months
PURCHASES:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
20,000
Miles
|
$0
|
Excellent for travel + intro balance transfer perks
4.0
|
![]() 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
|
![]() 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
|
![]() 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
|
![]() Citi Double Cash® Card |
BALANCE TRANSFER:
0%, 18 months
PURCHASES:
N/A, N/A
|
18.24% - 28.24% (Variable)
|
$200
|
$0
|
Excellent for high flat-rate cash back rewards
5.0
|
![]() Discover it® Chrome |
BALANCE TRANSFER:
0%, 18 months
PURCHASES:
0%, 6 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
Excellent for cash back and paying down debt
4.2
|
![]() 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
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
Compare Today's Top No Interest Credit Cards
Capital One VentureOne Rewards Credit Card
Citi Simplicity® Card
Wells Fargo Reflect® Card
Discover it® Cash Back
Citi Double Cash® Card
Discover it® Chrome
Chase Freedom Unlimited®
Bottom line
The Capital One VentureOne Rewards Credit Card(Rates and fees) is a great choice if you want multiple intro APR offers and a simple way to earn travel rewards on everyday purchases — all with no annual fee.
- Low intro APR: Enjoy a 0% intro APR on purchases for 15 months and a 0% intro APR on balance transfers for 15 months (then 19.24% - 29.24% (Variable)). Balance transfer fee applies.
- Up to a powerful $731 in year one value: You could even increase your value with savvy use of the card’s transfer partners and higher spending categories.
- Early spend bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening.
- Simple earning: Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
- Lack of fees: The Capital One VentureOne has a $0 annual fee and no foreign transaction fees, helping you keep your money in your wallet.
Click here to apply now and start earning the 20,000 miles early spend bonus
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.