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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 2020.

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 – 0% for 15 months

The Chase Freedom 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

There is no annual fee to own the Chase Freedom.

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

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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 $250 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 1% cash back on all other purchases. There is a $95 annual fee for this card.

Plus AMEX has also added a few new bonus categories; 6% cash back on select US streaming services (like Netflix, Hulu and others) and 3% cash back on ground transportation.

Get more details here.

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

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This is a no-fee version of the Blue Cash® cards. It offers 0% for 15 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% at U.S. gas stations and 1% on all other purchases.

There is no annual fee.

Get more details on this card here.

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card offers 0% on purchases for 15 months. On top of 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.

The everyday APR is 15.49% - 25.49% (Variable) and there is $0 annual fee and no foreign transaction fees.

Get more details HERE.

Capital One® SavorOne® Cash Rewards Credit Card – 0% for 15 months

The Capital One® SavorOne℠ Cash Rewards Credit Card also offers a 0% APR introductory rate for 15 months on purchases AND balance transfers. 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% cash back at grocery stores, and 1% cash back on all other purchases.

There is $0 annual fee and no foreign transaction fees.

Get more details HERE.

Author Bio

Total Articles: 1082
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.

Article comments

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.

Cat says:

I was interested in a no-fee credit card. Thanks for the info!

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.

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.

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

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

Deb Mullins says:

are there any cards out there that base interest after the introductory period on your credit score? I have a Visa I am about to replace because the interest is almost 20% and my credit score is 801 and I have never missed a payment. Credit limit is over 8000$ and I only owe 300$ on it

Shannon says:

I downloaded an app last night that said my credit score was 851 out of 900, my free credit score from my savor card says my score is 739 out of 850, which one is accurate???