| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
2026 AWARD WINNER
Best for 0% Intro APR and Rewards
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Apply Now
Chase Freedom Unlimited® 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.74% Variable
|
$200
Bonus
|
$0
|
|
2026 AWARD WINNER
Best 0% Intro APR Card Debut
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U.S. Bank Shield™ Visa® Card 4.9
|
Balance Transfer:
0%, 18 billing cycles
Purchases:
0%, 18 billing cycles
|
16.99% - 27.99% Variable
|
N/A
|
$0
|
/images/2024/12/16/citi-diamond-preferred.png)
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Citi® Diamond Preferred® Card 4.4
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
16.49% - 27.24% (Variable)
|
N/A
|
$0
|
|
2026 AWARD WINNER
Best 0% Intro APR and Balance Transfer Card
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Wells Fargo Reflect® Card 4.9
|
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.49%, 23.99%, or 28.24% Variable
|
N/A
|
$0
|
/images/2026/01/29/chase-slate-1.29.2026.png)
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Chase Slate® 4.9
|
Balance Transfer:
0%, 21 Months
Purchases:
0%, 21 Months
|
18.24% - 28.24% Variable
|
0% Intro APR Offer
|
$0
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
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Discover it® Cash Back 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
17.49% - 26.49% Variable
|
Cashback Match™
|
$0
|
/images/2025/12/09/capital_one_ventureone_card_art_-_dec_2025.png)
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Capital One VentureOne Rewards Credit Card 4.0
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.49% - 28.49% (Variable)
|
20,000 Bonus Miles
|
$0
|
|
2026 AWARD WINNER
Best Cash Back & Rewards Card Revamp
/images/2025/11/13/bofa_customized_cash_.png)
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Bank of America® Customized Cash Rewards credit card 4.5
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
$200
|
$0
|
|
2026 Award Winner
Best for Balance Transfers
/images/2024/12/16/citi-simplicity.jpg)
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Citi Simplicity® Card 4.5
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
17.49% - 28.24% (Variable)
|
N/A
|
$0
|
Today's Top No Interest Credit Cards
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0%, 15 months
0%, 15 months
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
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0%, 18 billing cycles
0%, 18 billing cycles
- 0% intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99% - 27.99%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
- Get a $20 annual statement credit for 11 consecutive months of purchases.
- No annual fee.
- Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
- Terms and conditions apply.
/images/2024/12/16/citi-diamond-preferred.png)
0%, 12 months from date of account opening
0%, 21 months from date of account opening
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
/images/2022/04/27/0427_reflect.png)
0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
/images/2026/01/29/chase-slate-1.29.2026.png)
0%, 21 Months
0%, 21 Months
- 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
- No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
- Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
- Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
- Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
- Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
- Member FDIC
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
0%, 15 months
0%, 15 months;
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
/images/2025/12/09/capital_one_ventureone_card_art_-_dec_2025.png)
0%, 15 months
0%, 15 months;
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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 17.49% - 27.49% 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%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
/images/2024/12/16/citi-simplicity.jpg)
0%, 12 months from date of account opening
0%, 21 months from date of account opening
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% - 28.24%, 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
Bottom Line
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 18.24% - 27.74% 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 18.24% - 27.74% 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.
- Welcome bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Intro Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee $0 Why we like it
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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.