Credit Cards

The Best Interest-Free Credit Cards of 2021

Editor's Note

You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below.

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.

Rob Berger

Rob Berger

Rob Berger is the founder of Dough Roller and the Dough Roller Money Podcast. A former securities law attorney and Forbes deputy editor, Rob is the author of the book Retire Before Mom and Dad. He educates independent investors on his YouTube channel and at

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