Credit Cards

The Best Interest-Free Credit Cards of 2021

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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.

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 (The APR after the intro rate expires is 15.74% - 24.49% 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 Preferred Card from American Express - 0% for 12 months

The Blue Cash Preferred Card from American Express currently offers no interest on purchases for the first 12 months. On top of that, you get a $300 welcome cash back offer after you spend $3,000 in purchases on your new card within the first six months. In addition, you earn up to 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year) and select U.S. streaming subscriptions. Then you’ll 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. There is a $0 introductory annual fee for the first year, then $95 each year after. Terms Apply.

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% intro APR for 15 months on purchases. New members also get a $200 statement credit when you spend $2,000 in purchases within the first six months. Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations and at select U.S. department stores, and 1% on all other purchases. Terms Apply.

There is no annual fee.

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