The Best Interest-Free Credit Cards of 2017

A 0% APR credit card can save a lot in interest. We’ve listed some of the best interest free credit cards available today. For some, pay no interest until 2019.

interest free credit cards

8 of the Best 0% Credit Cards

  1. Discover it®
  2. Chase Freedom®
  3. Blue Cash Preferred® Card from American Express
  4. Chase Slate
  5. Blue Cash EveryDay® Card from American Express
  6. Capital One® Quicksilver® Cash Rewards Credit Card
  7. Capital One® Savor℠ Cash Rewards Credit Card

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:

Discover it®–Cashback Match™–0% 14 months

Discover it Cashback MatchLearn More

We like the Discover it® because it combines a 0% offer with excellent rewards and no annual fee. First, it also offers 0% on purchases and balance transfers for 14 months. Second, it comes with industry-leading rewards:

  • Cash Back: The Discover it® cash back card offers 5% cash back on categories that rotate every three months (up to $1,500 in purchases each quarter) and 1% cash back on all other purchase.
  • Double Cash Back: For new cardmembers, Discover will also double all the cash back you’ve earned at the end of your first year.

As noted above, the card has no annual fee. You also get free access to your FICO credit score. Learn how to apply here.

Chase Freedom–0% for 15 months

Chase Freedom Review

Chase offers a 0% credit card that combines with excellent rewards. The 0% lasts for 15 months on both balance transfers and purchases. You also get a card with excellent cash back rewards.

  • Get a $150 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

Click here to get more details and learn how to apply for this and other balance transfer offers.

Blue Cash Preferred® Card from American Express–0% for 12 months

Blue Cash Preferred $200 statement creditLearn More

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 $200 statement credit after you spend $1,000 in purchases on your new card within the first three months. In addition, you earn up to 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases. There is a $95 annual fee for this card.

Get more details here.

Chase Slate–0% for 15 months

Chase Slate Review

Chase Slate comes with 0% on purchases for 15 months. One unique feature is that it also offers a no fee balance transfer. Initiate the transfer within 60 days of opening an account and you’ll pay no fee on the transfer. The 0% APR lasts for 15 months on the balance transfers.

There is also no annual fee, and you get free access to your FICO credit score.

Click here to learn more about this and other 0% credit card offers.

Blue Cash EveryDay® Card from American Express–0% for 15 months

blue cash everyday reviewLearn More

This is a no-fee version of the Blue Cash® cards. It offers 0% for 12 months on purchases and balance transfers. New members also get a $150 bonus when you spend $1,000 in the first 3 months. Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations, 1% other purchases.

There is no annual fee.

Get more details on this card here.

Capital One® Quicksilver®Cash Rewards Credit Card–0% for nine months

Capital One Quicksilver $150 cash bonusLearn More

The Capital One® Quicksilver®Cash Rewards Credit Card offers 0% on purchases for the first nine months. On top if this, you can earn a $150 cash bonus after you spend $500 in the first three months from account opening. In addition, you’ll earn 1.5% cash back on all purchases. There are no rotating categories to worry about.

There is no annual fee.

Get more details here.

Capital One® Savor℠ Cash Rewards Credit Card–0% for nine months

Learn More

The Capital One® Savor℠ Cash Rewards Credit Card also offers a 0% APR introductory rate for nine months on purchases. The card also pays out a $150 bonus after you spend $500 in purchases in the first three months. On top of the bonus, it rewards you with 3% cash back on dining, 2% on groceries, and 1% on all other purchases

There is no annual fee.

Get more details here.


Topics: Credit Cards

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10 Responses to “The Best Interest-Free Credit Cards of 2017”

  1. debra jackson

    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.

  2. robert soboloff

    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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