The Best Interest-Free Credit Cards of 2021

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.

In this article we’ve focused on low interest credit cards that offer no interest on purchases. Many of these cards also offer 0% on balance transfers. If you are specifically interested in transferring a balance, however, we recommend you check out our list of balance transfer offers.

We'll start with our top pick:

Chase Freedom Flex℠ - 0% intro APR on purchases for 15 months

The Chase Freedom Flex offers a 0% credit card that combines with excellent rewards. The 0% intro APR lasts for 15 months on purchases and balance transfers from account opening (the APR after the intro rate expires is 17.24% - 25.99% Variable). You also get a card with excellent cash back rewards.

• Get a $200 bonus after spending $500 on purchases in your first three months from account opening
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
• Earn 1% cash back on all other purchases

There is no annual fee to own the Chase Freedom Flex.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express - 0% for 15 Months

This is a no-fee version of the Blue Cash cards. It offers a 0% for 15 Months on purchases and balance transfers. An ongoing APR of 16.99% - 27.99% Variable applies.

New members also get a $200 statement credit when you spend $2,000 in purchases within the first six months of card membership. Earn Cash Back: 3% U.S. supermarkets (up to $6,000 per year, then 1%), 2% at U.S. gas stations and on select U.S. online retail purchases (up to $6,000 per year, then 1%), and 1% on all other purchases. Terms Apply.

There is no annual fee.