The Best Interest-Free Credit Cards

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, balance transfers, or even both:

Card Name0% Balance Transfer (Months)Transfer
0% on Purchases (Months)
Citi Simplicity® Card213%
(Min. $5)
Citi® Diamond Preferred® Card213%
(Min. $5)
Discover it® - 18 Month Balance Transfer Offer183%6
Chase Slate150%*15
Chase Freedom155%
(Min. $5)
Blue Cash Everyday® Card from American Express123%
(Min. $5)
(Min. $10)

*$0 Introductory balance transfer fee for transfers made during the first 60 days.

Note: Compare these and other 0% credit cards, and apply online, at

Published or Updated: December 2, 2016
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.


  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.

  4. debra jackson says:

    don’t get discover card unless you want to mess up your credit. They monitor your Fico score for a reason. My husban died and even though I continued to be a good customer. Discover dropped my credit limit and demanded I pay the difference all because Capitol one would not talk to me about a joint acount. Not being abel to access the account I could not pay it and it damaged my credit. I still paid everyone else with ease but I had to close the discover account because of the way they treated me. Funny thing is whenever capitol one gets this straightened out, I’ll get a new card with them. And they can get my business. I used to pay Discover 20X the minimum. Now they are relagated to the back of the just above minumim until I get a card to transfer that balance to.

  5. kristen says:

    I need a balance transfer card with 0% with no interest for as long as possible and a low interest rate does this exhist?
    thank you for your help

    • Rob Berger says:

      Kristen, the longest 0% offer available today is 18 months.

      • Evelyn says:

        Which one is 18 months

  6. robert soboloff says:

    Hi rob,
    I have 5 credit cards plus a small business loan totaling 73,000. in debt. I have been talking to a consolidating firm that says it can get me out of debt in 52 months with a monthly payment of 900.00 per month. this is an unsecured. my credit score was 811 until the credit companies dropped it to 620 or 650. are there any credit card companies that will give me 0% interest until the debt is payed off? the debt relief company is going to charge me 15 cents on the dollar. please give me some advice. thanks Robert soboloff

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