The Best Interest Free Credit Cards

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Credit cards come with a variety of interest free introductory offers today. From balance transfers to no interest on purchases, these cards offer a smart way to reduce or even eliminate interest charges on new purchases or transferred balances. Many interest free credit cards come with no annual fee and a reasonable regular APR when the introductory rate expires. The following credit cards offer 0 interest on purchases, no interest on balance transfers, or even both.

Discover it®

Editor's Pick

Discover it®

Apply for the Discover it®
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

More Card Options With No Interest

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
701 Average credit score approved for this card† 652 Lowest credit score approved for this card†

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
Apply Now...
at US Bank's
secure site
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 15 Months 0% 15 Months 9.99% – 23.99%* Variable $0
730 Average credit score approved for this card† 661 Lowest credit score approved for this card†

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply Now...
at CitiBank's
secure site
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*
727 Average credit score approved for this card† 672 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
720 Average credit score approved for this card† 644 Lowest credit score approved for this card†

Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card
Apply Now...
at CitiBank's
secure site
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*
712 Average credit score approved for this card† 656 Lowest credit score approved for this card†

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0
711 Average credit score approved for this card† 676 Lowest credit score approved for this card†

Published or Updated: March 31, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. Credit Cards says:

    I heard that there is a 55 day interest free credit card available. But I don’t know who is the provider.

    • Rob Berger says:

      I’m not familiar with such a card.

  2. Cat says:

    I was interested in a no-fee credit card. Thanks for the info!

  3. J Barnes says:

    Is there a “no transfer fee” 0 interest free credit card?

    • Rob Berger says:

      J, the Chase Slate currently offers a 0% balance transfer for 15 months with no fee.

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