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Best 0% Interest Credit Cards of 2017

Jennifer Blocker
Updated on: 11/09/2017

Although I recommend never carrying a balance on a credit card, there are times when it may be necessary. When unforeseen circumstances arise, you might have to spend beyond your means. Credit cards can offer you a lifeline in an emergency. If you need to finance a large purchase, a credit card with 0% interest is one of the best options. Many of these cards will give you at least a year to pay and some may give you up to 21 months of interest-free financing. They are a much better choice than store cards or special financing, which can leave you with an unexpected lump sum of interest to pay. Wouldn’t it be better to get rewards instead?

6 Top Rated 0% Credit Cards

When you use your credit cards right, they can be extremely rewarding. Beyond just getting points or miles, 0% interest cards can help you buy the things you need when you might not be able to purchase them outright, all while avoiding interest. As we know, paying interest negates the value of rewards. And although I never advise spending beyond your means, there are circumstances which may make this necessary. Don’t settle for just any card, compare the rewards and benefits that come with a variety of cards to find the best one for you. The details can be crucial, especially when it comes to making a big purchase. You can’t use the benefits and maximize your rewards if you don’t know what they are.

Discover it® Miles Card
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
10.99% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • 1.5Miles on Airfare Purchases
  • 1.5Miles on Hotels
  • 1.5Miles on Gas
  • 1.5Miles on All Other Purchases
  • Unlimited 1.5X rewards on every purchase offer

    • Miles earned are matched at the end of the first year of cardmembership
    • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement
  • No Foreign Transaction Fee

Travel Benefits

$30 In-Flight Wi-Fi Access

You will be reimbursed for up to $30 in purchases of wireless internet access on an aircraft per anniversary year. The statement credit will be issued for the purchase amount in U.S. dollars within seven business days.

No Foreign Transaction Fees

The Discover miles card does not charge foreign transaction fees so you can rest easy when you are abroad.

Why should you get this card?

  • Great Earning Potential: You always earn 1.5 miles per dollar spent, which equates to 1.5 percent cash back. Don’t settle for 1 percent! The Discover it Miles card is better.
  • Miles Can be Redeemed for Anything: You don’t have to wait until you have travel coming up to use your miles. Even though the Discover it Miles card earns Miles, it is a cash back card.
  • Miles Doubled for the First Year: At the end of your first year as a card member, Discover will match all of the miles you’ve earned!
  • $30 in Annual Wi-Fi Credits: Next time you have a long flight you can purchase Wi-Fi and have Discover cover the cost up to $30 per year.

Our Expert's Conclusion

The Discover it Miles card is wonderful for two types of people. The first, and most obvious, is for someone looking for a single credit card that’s easy to use and that can do it all. The Discover it Miles card is a great option because it earns 1.5 miles per dollar spent on all purchases and redemptions areone cent per mile toward any purchase. Plus thereare a couple of other nice benefits, like $30 in annual Wi-Fi credits and no foreign transaction fees. As a no-fee card, all of that is essentially free.

The second type of person that the Discover it Miles card is a great option for is someone who is looking to truly maximize rewards. The Discover it is basically a no-brainer for the first year because all miles are doubled , meaning that it effectively earns 3 miles per dollar spent (1.5 when you purchase and 1.5 at the end of the year). After the first year it deserves a spot in the wallet of someone who wants to maximize rewards for purchases not included in the bonus earning categories of their other rewards credit cards.

  • Get unlimited 1.5x Miles on every dollar you spend on purchases.
  • No annual fee.
  • We'll match all the Miles you've earned at the end of your first year (new cardmembers only). For example, 30,000 Miles turns to 60,000 Miles.
  • No blackout dates. Fly any airline, any time.
  • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • Freeze ItSM on/off switch for your account.
  • Keep tabs on your FICO® Score.
  • You can always count on 100% US-based customer service, anytime. We will not waste your time selling you other products when you call us.
  • Your Miles never expire.
VentureOne® Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
0% introductory APR for the first 12 months that your account is open
Intro APR on Balance Transfers
N/A
Regular APR
12.99% to 22.99% Variable±
Annual Fee
$0
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • 1.25Miles on Travel, Dining and Car Rental
  • 1.25Miles on Gas
  • 1.25Miles on Hotels
  • 1.25Miles on All Other Purchases
  • 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months.
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards you can earn

Travel Benefits

Travel Upgrades and Savings:

Free upgrades and discounts at select hotels and resorts are part of the Visa Signature card benefits.

Complimentary Concierge Service:

Enjoy free assistance 24-hours a day, even while you’re traveling.

No Foreign Transaction Fee:

Use your card anywhere in the world and never pay additional fees.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points for every purchase you make. No matter what you buy, you’ll earn 1.25 miles for every dollar spent. Those miles will add up fast.
  • Hassle-Free Redemptions: Miles can be applied to any travel purchases, not just airfare. On top of that, you don’t have to worry about blackout dates or limited award space because you buy the travel you want and then apply miles to the purchase.
  • No Annual Fee: It’s hard to be a rewards card that does not charge an annual fee. Every reward you earn is essentially free!
  • Sign-Up Bonus: For a no-fee card, 20,000 miles is an excellent sign-up bonus. It’s worth $200 in travel. All you have to do is spend $1,000 during the first three months you have the card.

Our Expert's Conclusion

If you’re looking for a no-fee rewards card that offers a solid sign-up bonus and hassle-free redemptions, than the the VentureOne card from Capital One is a great option. You’ll get 20,000 miles worth $200 for spending just $1,000 in 90 days, plus you’ll earn a generous 1.25 miles per dollar for every purchase.

Getting the card is a risk-free proposition because it won’t cost you a penny. Whatever miles you earn with the card are pure profit because there aren’t any fees. You can even use the card while traveling internationally, since there are no foreign transaction fees either.

  • One-time bonus of 20,000 miles—equal to $200 in travel—once you spend $1,000 on purchases within the first 3 months.
  • Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Annual Fee $0.
  • Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
  • Get 10% off thousands of hotels on HotelTonight through January 2017.
Discover it® - Cashback Match™
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • %5% in rotating categories each quarter like Gas, Dining, Amazon.com, Wholesale Clubs and more
  • %1% on Travel
  • %1% on Groceries
  • %1% on All Other Purchases
  • Up to 5% cash back offer

    • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year
  • No Foreign Transaction Fee

Travel Benefits

No Foreign Transaction Fee:

You won’t be hit with any additional fees for using your Discover card while traveling internationally.

Why should you get this card?

  • Cashback Match: After your first year, Discover will double all of the cash back you earned with no cap!
  • Good Earning Potential: The Discover it card earns 5% back on quarterly rotating categories that include things like dining and gas stations, and 1% back on all other purchases.
  • Hassle-Free Redemptions: Your cash back is worth what you think it is, and there are no minimums or category restrictions to your redemptions.
  • No Annual Fee: You’ll never have to pay anything for this card. That means all the rewards you earn are essentially free. How can you beat that?

Our Expert's Conclusion

Discover it is a solid credit card that should be in just about everybody’s wallet. The card offers a great five percent return on categories that rotate quarterly, and one percent back on all other purchases. The first year as a cardholder can be really good for your bank account because all the rewards you earn will be doubled by Discover, with no limit!

In addition to being a great everyday earner, the Discover it card doesn’t have an annual fee and doesn’t charge foreign transaction fees if you want to use the card abroad. Redeeming cash back is super simple with no minimum redemption amount and no restrictions about what you can use the cash back for.

  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Your cash back never expires.
  • $0 Fraud Liability.
  • No foreign transaction fee.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
Citi ThankYou® Preferred Card
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
0% introductory APR for 15 months from date of account opening
Intro APR on Balance Transfers
0% introductory APR for 15 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
14.49% to 24.49% Variable±
Annual Fee
$0
Rewards Program
ThankYou®
Bonuses & Rewards
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Gas
  • 1xPoints on Travel
  • 1xPoints on All Other Purchases
  • 3% of each purchase transaction in US dollars

Travel Benefits

Citi Private Pass:

Get special access to tickets to many concerts, sporting events, dining experiences and more, including presale and VIP packages.

Foreign Transaction Fee:

You’ll pay a 3% fee for each transaction not in U.S. dollars.

Wi-Fi:

Only A-List Preferred status members get inflight Wi-Fi at no charge.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points on all purchases in the dining and entertainment categories. Before you know it, you’ll have a stash of points after a few nights out on the town.
  • No Annual Fees: Earning rewards is fast, easy and costs nothing. They say that nothing in this world is free, except cheese in a mouse trap… and, apparently, ThankYou points.
  • Sign-Up Bonus: For a card with zero annual fees, a sign-up bonus worth $0 is rather generous, and it only requires spending $1,000 in the first three months to earn the points.
  • 0% APR on Balance Transfers and Purchases for 12 months: Although I do not recommend opening a new credit card while carrying debt, it’s nice to have the option to consolidate balances and pay them off within a year with no interest.

Our Expert's Conclusion

If you’re looking for a credit card that has a decent welcome bonus and earns bonus points in multiple categories, then the Citi ThankYou Preferred card is a good option. It’s also a great card for someone who wants to start earning rewards but is intimidated by annual fees.

Applying for this card costs nothing and you won’t pay a dime to keep it year after year. The 0- point sign-up bonus is worth $0, so there’s absolutely no risk for the cardholder. And earning additional points means more rewards at no cost.

  • 2x ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1x ThankYou® Point per $1 spent on other purchases.
  • Points do not expire and earn unlimited ThankYou® Points.
  • Redeem ThankYou Points for almost anything, from a large selection of gift cards including dining, entertainment and retail — to an amazing selection of valuable rewards such as electronics, travel rewards, home goods, books and media, charitable donations or even cash.
  • No annual fee.
Barclaycard CashForward™ World Mastercard®
How to Apply

To apply for this offer please contact
Barclaycard

Intro APR on Purchases
0% introductory APR for the first fifteen billing cycles after the account is opened
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
15.99% to 25.99% Variable±
Annual Fee
$0
Rewards Program
Barclaycard CashForward™ Rewards
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
  • $200 cash rewards bonus after you spend $1,000 in the first 90 days
    • 5% cash rewards redemption bonus to use toward your next redemption
  • 3% of each transaction in U.S. dollars

Featured Benefits

Foreign Transaction Fee:

3% of each transaction in U.S. dollars.

Why should you get this card?

  • Great Earning Potential: Every purchase you make generates a 1.5% return at any merchant or service provider. Not that many no-fee cards can beat that earning on all transactions.
  • Sign-Up Bonus: Spending just $1,000 on this card in the first 3 days of account opening will earn you a $0bonus, which is excellent for a no-fee card. Most other cards with this earning potential offer a smaller bonus or no bonus at all.
  • No Annual Fee: Holding a card long term increases the average age of your accounts, and not paying for a card makes it easy to keep. Not to mention, earning cashback rewards doesn’t cost a dime.
  • Double Points: Redemptions start at $50 and can be applied toward a statement credit, gift cards or a deposit into a checking or savings bank account.

Our Expert's Conclusion

The Barclaycard CashForward World MasterCard is a solid option for someone who’s not too invested in travel rewards and is looking for a no-fuss cashback credit card. You’ll earn $200 just for spending $1,000 in the first 90 days and continue to earn 1.5 points on all purchases, no matter the purchase category or time of year.

This is also a good option for those who cannot qualify for a Chase card because they’ve opened five or more credit cards in the last 24 months. If you fall into that camp, the competitive Chase Freedom Unlimited card is out of reach.

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Every time you redeem get a 5% cash rewards redemption bonus to use toward your next redemption.
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards.
  • Cash rewards do not expire.
  • Free online FICO® Credit Score.
  • Chip card technology.
  • Mastercard travel assistance services.
Citi® / AAdvantage® Gold World Elite™ Mastercard®
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
16.99% to 24.99% Variable±
Annual Fee
$0 first year, then $50
Rewards Program
AAdvantage®
Bonuses & Rewards
  • 1xMiles on American Airlines Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
  • 25,000 bonus miles after you spend $750 in the first 3 months
    • Use Reduced Mileage Awards and save up to 5,000 AAdvantage® miles
  • 3% of each transaction in U.S. dollars
  • %25% savings on purchases on American Airlines flights

Travel Benefits

Citi Concierge:

Save time when searching for travel, dining options, entertainment tickets or shopping ideas by enlisting help of the Citi Concierge service.

Reduced Mileage Awards:

Save between 1,000 and 5,000 miles when booking one-way and round-trip flights on select routes.

In Flight Savings:

Receive a 25% discount for in-flight food and beverage purchases when you use your AAdvantage card on American Airlines flights.

Why should you get this card?

  • Sign-Up Bonus: The card has a 25,000 -mile bonus. That’s enough to book one round-trip flight within the U.S. or to the Caribbean.
  • Low Spending Requirement: Speaking of, the minimum spending requirement for the sign-up bonus is only $750, which is low for an airline card.
  • Reduced Mileage Awards: Cardholders can save anywhere between 1,000 and 5,000 miles per ticket when they redeem for flights to select destinations that vary month to month.
  • Low Annual Fee: Most airline cards charge $95 to be a card member, but this card charges just $50. And the fee is waived for the first year.

Our Expert's Conclusion

If you occasionally fly on American Airlines and are looking for an entry-level airline card with a low annual fee, then the Citi / AAdvantage Gold World Elite MasterCard might be for you. However, keep in mind that the card does not offer all of the benefits you might expect from a co-branded airline card, such as free bags, priority boarding or waived foreign transaction fees.

Aside from the sign-up bonus, the best benefit of this card is access to Reduced Mileage Awards that let you save miles when booking saver-level flights to select destinations. If you fly with AA at least two or three times per year and are OK with paying a higher annual fee of $95, then the Citi / AAdvantage Platinum Select World Elite MasterCard might be better option because it offers free checked bags, priority boarding and redemption rebates.

  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening.
  • 1 AAdvantage® mile for every $1 spent on purchases.
  • Redeem your AAdvantage® miles for a domestic round–trip flight award on American Airlines and American Eagle® carriers for as little as 25,000 AAdvantage® miles.
  • No blackout dates on award travel on American Airlines and American Eagle® carriers.
  • Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card.
  • Save up to 5,000 AAdvantage® miles. Use Reduced Mileage Awards and travel for fewer miles.
  • Annual Fee: $50 (Fee waived for the first 12 months).

Compare 0% Interest Credit Cards

If you're making a big purchase consider a card that offers 0% on purchases for a year or more. Avoid interest payments while you pay off the charges. We rank the cards here by interest rates and annual fees for comparison.

Credit Card
Intro APR on Purchases
Intro APR on Balance Transfers
Regular APR
Annual Fee
VentureOne® Rewards Credit Card

VentureOne® Rewards Credit Card

How to Apply

To apply for this offer please contact
Capital One®

More Details
How to Apply

To apply for this offer please contact
Capital One®

More Details
Intro APR on Purchases
0% introductory APR for the first 12 months that your account is open
Intro APR on Balance Transfers
N/A
Regular APR
12.99% to 22.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Capital One®

More Details
Quicksilver® Cash Rewards Credit Card

Quicksilver® Cash Rewards Credit Card

How to Apply

To apply for this offer please contact
Capital One®

More Details
How to Apply

To apply for this offer please contact
Capital One®

More Details
Intro APR on Purchases
0% introductory APR for the first 9 months that your account is open
Intro APR on Balance Transfers
0% introductory APR for the first 9 months that your account is open
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Capital One®

More Details
Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

How to Apply

To apply for this offer please contact
American Express

More Details
How to Apply

To apply for this offer please contact
American Express

More Details
Intro APR on Purchases
0% introductory APR for the first 15 months
Intro APR on Balance Transfers
0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening
Regular APR
13.99% to 24.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
American Express

More Details
Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

How to Apply

To apply for this offer please contact
American Express

More Details
How to Apply

To apply for this offer please contact
American Express

More Details
Intro APR on Purchases
0% introductory APR for the first 12 months
Intro APR on Balance Transfers
0% introductory APR for the first 12 months on balance transfers requested within 60 days of account opening
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$95
How to Apply

To apply for this offer please contact
American Express

More Details
The Mercedes-Benz Credit Card from American Express

The Mercedes-Benz Credit Card from American Express

How to Apply

To apply for this offer please contact
American Express

How to Apply

To apply for this offer please contact
American Express

Intro APR on Purchases
0% introductory APR for the first 6 months
Intro APR on Balance Transfers
N/A
Regular APR
16.24% Variable±
Annual Fee
$95
How to Apply

To apply for this offer please contact
American Express

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

How to Apply

To apply for this offer please contact
American Express

How to Apply

To apply for this offer please contact
American Express

Intro APR on Purchases
0% introductory APR for the first 12 months
Intro APR on Balance Transfers
0% introductory APR for the first 12 months on balance transfers requested within 60 days of account opening
Regular APR
13.99% to 24.99% Variable±
Annual Fee
$95
How to Apply

To apply for this offer please contact
American Express

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

How to Apply

To apply for this offer please contact
American Express

How to Apply

To apply for this offer please contact
American Express

Intro APR on Purchases
0% introductory APR for the first 15 months
Intro APR on Balance Transfers
0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening
Regular APR
13.99% to 24.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
American Express

Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

How to Apply

To apply for this offer please contact
Chase Bank

More Details
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Intro APR on Purchases
0% Intro APR for the first 15 billing cycles that your Account is open
Intro APR on Balance Transfers
0% Intro APR for the first 15 billing cycles that your Account is open
Regular APR
15.99% to 24.74% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Chase Freedom® Card

Chase Freedom® Card

How to Apply

To apply for this offer please contact
Chase Bank

More Details
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Intro APR on Purchases
0% Intro APR for the first 15 billing cycles that your Account is open
Intro APR on Balance Transfers
0% Intro APR for the first 15 billing cycles that your Account is open
Regular APR
15.99% to 24.74% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Chase Slate® Credit Card

Chase Slate® Credit Card

How to Apply

To apply for this offer please contact
Chase Bank

More Details
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Intro APR on Purchases
0% Intro APR for the first 15 billing cycles that your Account is open
Intro APR on Balance Transfers
0% Intro APR for the first 15 billing cycles that your Account is open
Regular APR
15.99% to 24.74% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Disney® Premier Visa® Card

Disney® Premier Visa® Card

How to Apply

To apply for this offer please contact
Chase Bank

How to Apply

To apply for this offer please contact
Chase Bank

Intro APR on Purchases
0% Promo APR for the first six billing cycles following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort, provided your account is not past due on the purchase date.
Intro APR on Balance Transfers
N/A
Regular APR
16.99% Variable±
Annual Fee
$49
How to Apply

To apply for this offer please contact
Chase Bank

Disney® Visa® Card

Disney® Visa® Card

How to Apply

To apply for this offer please contact
Chase Bank

How to Apply

To apply for this offer please contact
Chase Bank

Intro APR on Purchases
0% Promo APR for the first six billing cycles following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort, provided your account is not past due on the purchase date
Intro APR on Balance Transfers
N/A
Regular APR
16.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Chase Bank

AARP® Credit Card from Chase

AARP® Credit Card from Chase

How to Apply

To apply for this offer please contact
Chase Bank

More Details
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
17.24% to 23.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Citi Simplicity® Card

Citi Simplicity® Card

How to Apply

To apply for this offer please contact
Citibank

How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
0% introductory APR for 21 months from date of account opening
Intro APR on Balance Transfers
0% introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
14.99% to 24.99% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Citibank

Citi® Double Cash Card

Citi® Double Cash Card

How to Apply

To apply for this offer please contact
Citibank

More Details
How to Apply

To apply for this offer please contact
Citibank

More Details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
14.49% to 24.49% Variable±
Annual Fee
$0
How to Apply

To apply for this offer please contact
Citibank

More Details
Citi® / AAdvantage® Gold World Elite™ Mastercard®

Citi® / AAdvantage® Gold World Elite™ Mastercard®

How to Apply

To apply for this offer please contact
Citibank

More Details
How to Apply

To apply for this offer please contact
Citibank

More Details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
16.99% to 24.99% Variable±
Annual Fee
$0 first year, then $50
How to Apply

To apply for this offer please contact
Citibank

More Details
Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

How to Apply

To apply for this offer please contact
Citibank

More Details
How to Apply

To apply for this offer please contact
Citibank

More Details
Intro APR on Purchases
0% introductory APR for 15 months from date of account opening
Intro APR on Balance Transfers
0% introductory APR for 15 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
14.49% to 24.49% Variable±
Annual Fee
$0
How to Apply

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Diamond Resorts International® MasterCard®

Diamond Resorts International® MasterCard®

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Barclaycard

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Barclaycard

Intro APR on Purchases
0% promotional APR for six billing cycles from the transaction date on all "Qualifying Diamond Resorts International® Vacation Ownership Purchases"
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
15.99% to 22.99% Variable±
Annual Fee
$0
How to Apply

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Barclaycard

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

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Citibank

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Citibank

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Intro APR on Purchases
0% introductory APR for 7 months from date of account opening
Intro APR on Balance Transfers
N/A
Regular APR
16.24% Variable±
Annual Fee
$0
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Citibank

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Barclaycard CashForward™ World Mastercard®

Barclaycard CashForward™ World Mastercard®

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Barclaycard

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How to Apply

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Barclaycard

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Intro APR on Purchases
0% introductory APR for the first fifteen billing cycles after the account is opened
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
15.99% to 25.99% Variable±
Annual Fee
$0
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Barclaycard

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Bank of America® Cash Rewards™ Credit Card

Bank of America® Cash Rewards™ Credit Card

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Bank of America

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How to Apply

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Bank of America

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Intro APR on Purchases
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account
Intro APR on Balance Transfers
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Bank of America

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Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

How to Apply

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Bank of America

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Bank of America

Intro APR on Purchases
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account
Intro APR on Balance Transfers
N/A
Regular APR
15.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Bank of America

Pink Ribbon BankAmericard Cash Rewards™ Credit Card

Pink Ribbon BankAmericard Cash Rewards™ Credit Card

How to Apply

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Bank of America

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Bank of America

Intro APR on Purchases
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account
Intro APR on Balance Transfers
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Bank of America

MLB™ Credit Cards

MLB™ Credit Cards

How to Apply

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Bank of America

How to Apply

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Bank of America

Intro APR on Purchases
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account
Intro APR on Balance Transfers
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Bank of America

World Wildlife Fund Credit Card

World Wildlife Fund Credit Card

How to Apply

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Bank of America

How to Apply

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Bank of America

Intro APR on Purchases
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account
Intro APR on Balance Transfers
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Bank of America

Discover it® Miles Card

Discover it® Miles Card

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Discover Bank

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How to Apply

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Discover Bank

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Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
10.99% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Discover Bank

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NHL® Discover it® Card

NHL® Discover it® Card

How to Apply

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Discover Bank

How to Apply

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Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Discover Bank

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

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U.S. Bank

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U.S. Bank

Intro APR on Purchases
0% introductory APR for the first 18 billing cycles
Intro APR on Balance Transfers
0% introductory APR for the first 18 billing cycles for balances transferred within 60 days from account opening
Regular APR
10.99% to 22.99% Variable±
Annual Fee
$0
How to Apply

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U.S. Bank

Fred Meyer Rewards® Visa® Card

Fred Meyer Rewards® Visa® Card

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U.S. Bank

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U.S. Bank

Intro APR on Purchases
0% introductory APR for the first 9 billing cycles
Intro APR on Balance Transfers
0% introductory APR for the first 9 billing cycles for balances transferred within 30 days from account opening
Regular APR
14.99% to 24.99% Variable±
Annual Fee
$0
How to Apply

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U.S. Bank

Polaris® Visa® Credit Card

Polaris® Visa® Credit Card

How to Apply

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U.S. Bank

How to Apply

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U.S. Bank

Intro APR on Purchases
0% introductory APR for the first 12 billing cycles
Intro APR on Balance Transfers
0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening
Regular APR
14.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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U.S. Bank

Discover it® - Cashback Match™

Discover it® - Cashback Match™

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Discover Bank

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How to Apply

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Discover Bank

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Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
How to Apply

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Discover Bank

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The Do’s and Don’ts of Choosing and Using a 0% Credit Card

To get the most benefit and rewards from a credit card with a 0% introductory APR, it is important to use it right. Those cards not only give you the ability to charge big items without interest, but they can also save you a major headache if an expensive purchase is stolen or damaged. Some cards provide purchase protections and extended warranties. The following is a list of do’s and don’ts for choosing and using your new interest-free credit card.

Do’s

  • Comparison Shop:

    Like you would for anything else you might obtain, you want to shop around for your credit card before you decide. Get to know the varying benefits and rewards these cards offer. These can be especially important when it comes to making a large purchase.

    Don’t just jump on an offer that came in the mail because it says you are pre-approved. That is not a guarantee you will get that card. Compare not only the rewards and benefits, but also bonuses, fees and, most importantly, the term limits on the 0% intro period. Set yourself a budget and figure out how long it will take to pay off the card.

  • Use Your Card for Big Purchases:

    A 0% APR credit card is one of the best ways to finance a large purchase. One of the options I would caution against is using a store credit card that advertises interest-free or special financing. These cards usually use a practice called deferred interest. This means that if you do not pay your entire balance in full within the allotted timeframe, you can end up paying a lump sum of interest. You can be charged interest all the way back to the original date of purchase, and store cards have notoriously high interest rates. If you use a 0% interest credit card that earns rewards, you can earn a bunch of rewards instead of paying for a bunch of interest.

  • Get Purchase Protection:

    Many credit cards come with purchase protection. This benefit is especially valuable when you are making a large purchase. Most major issuers, including Visa, MasterCard, Discover and American Express, offer purchase protection and extended warranty services. Your card can insure your purchase for a period of about 90 days against theft or damage.

    While many items may come with warranties that offer a certain amount of protection against damage, you typically won’t be able to get your item replaced in the case of theft if you pay with cash. Visa and Discover will reimburse up to $500, while MasterCard and Amex gives up to $1,000 per item for up to about $50,000 per year. All American Express and Discover cards have this feature. However, purchase protection is only available on the top-of-the-line Visa Signature and World or World Elite MasterCards.

    The good news is that these cards may also come with the ability to extend the manufacturer’s warranty. They basically double the time period of the original warranty for up to one year. They will repair, replace or reimburse you for your item. A major difference between Visa and MasterCard’s extended warranty service is the amount that they cover. Visa Signature will reimburse up to $10,000, while a World Elite MasterCard has a cap of just $500.

  • Double Dip:

    Double dipping is when you earn rewards with both a store’s loyalty program and your credit card from the same purchase. In most cases, it is not necessary to have the store credit card to earn rewards with their program. Store credit cards have notoriously high interest rates and I caution against using them.

    If you are lucky enough to have a debit card that earns rewards, you can do a triple dip and use your reward earning debit card to pay off your reward earning credit card. That way you get rewarded three ways: from the store loyalty program, your credit card and your debit card. However, reward earning debit cards are hard to come by nowadays.

  • Set Up Auto Pay:

    Set up automatic payments for your credit card to withdraw the minimum due every month. This can help avoid missed payments. Missing a payment could cause you to lose your promotional interest rate, as well as cause your credit score to take a hit. However, I would recommend paying more than the minimum if you can. This will help ensure that you pay off your debt by the time the 0% introductory rate expires.

  • Make Balance Transfers:

    If you have a card with a 0% introductory period on purchases, you can use it to save money on outstanding balances you may have on other cards. If you make a balance transfer on a card that isn’t charging interest on new purchases, the rate will apply to the balance transfer as well. This can also help you consolidate your debt.

    Try to keep your card balance below 30 percent of the overall credit limit on your card. Using more than 30 percent on a card can negatively affect your credit score. This is known as your credit utilization, and the higher it gets, the more of an impact it can have on your score.

Don’ts

  • Don’t Maintain a Balance After the Introductory Period:

    Once the 0% promotional period is over, you do not want to carry a balance on your card. If you haven’t paid off your entire balance by the end of the introductory period, consider a balance transfer. A balance transfer will usually cost between 3 and 5 percent of the amount transferred. So take into consideration the amount you still have to pay, the interest rate being charged and how long you think it will take to pay off. If you think it will take six months or more, a balance transfer can save you a significant amount of money.

    Also, don’t finance something close to the end of the introductory period. If you had an 18 month 0% interest rate, don’t make a large purchase at the 16-month mark that you know is going to take a year to pay off. Instead, get a new card with a 0% introductory rate and use it instead.

    You can also transfer the balance from the old card to the new one, if you still need time to pay it off. You will have to pay a balance transfer fee, which is usually between 3 and 5 percent, but you will save money on interest fees because your transfer will be treated like a new purchase and receive the promotional rate.

    It is possible to avoid interest after the promotional period is over. Just pay your credit card bill in full each month within the grace period, which is usually about 21 days from the statement date.

  • Don’t Get Cash Advances:

    Never use a 0% credit card to withdraw cash from an ATM. You will pay interest on cash advances, since they do not count as new purchases. Your zero-interest introductory rate will usually apply to new purchases and balance transfers, but not cash advances. Also, interest rates are incredibly high for cash advances.

  • Don’t Apply for a Card You Might Not Get:

    You should find out what your credit score is and what score is required before applying for a new card. For instance, if your credit score is fair, don’t apply for a card that requires good or excellent credit. Between the hard inquiry pulled by the card company and the credit denial, your fair credit score could drop several notches, which you can’t afford.

  • Don’t Close the Card:

    After your introductory period expires, don’t close your card account. Other lenders like to see multiple open lines of credit. To have an optimal credit score, you should have at least 11 credit lines, and over 21 is ideal. They do not all have to be credit cards, but they are a good way to get your numbers up. More lines of credit also help your overall credit limit. You should try to keep your debt-to-credit rate at 30 percent or less or your total credit limit.

    In a case where your card has an annual fee, you may want to close it if you are not going to take full advantage of the rewards and benefits it has to offer. However, paying an annual fee can be worth it in many cases, especially when it comes to travel credit cards. The benefits and bonuses usually far outweigh the fees when you use your card right.

  • Don’t Splurge:

    I know it’s tempting, but having a credit card with a 0% APR doesn’t mean that it’s time for a shopping spree. When you spend beyond your means you end up in debt. Using a card for a large purchase and splurging are very different.

    Sometimes you need something, but you don’t have all the necessary funds. If you have it in your budget to pay for it over time, that’s when you should use your new card to finance the purchase. Splurging, on the other hand, is unnecessary spending, like hitting the mall and buying a bunch of stuff you don’t need just because you can. We have all been guilty of it from time to time.

FAQs

Need more info? Check out our FAQ. If you have any questions, don't hesitate to get in touch with us.

  • There is no such thing as a good interest rate. Paying interest should be avoided at all costs. Typical interest rates on consumer credit cards range between 13 to 24 percent. Some cards may offer a low APR for an introductory or promotional period, which may be a good option if you know you will need more time than a 0% APR card offers. The best option will ultimately depend on the interest rate, the length of time it’ll take to pay off and the amount of the balance.
    However, I am a big fan of no interest. I strongly suggest doing a balance transfer to another card with a promotional interest rate. Although it will cost between 3 and 5 percent of the amount you transfer, it will still usually save you money. And keep in mind that you can do a balance transfer on a card that offers 0% on purchases and still get the interest-free promotional rate.
  • To be eligible for the best credit cards with interest-free introductory rates, you will need at least good credit. These great rates and offers aren’t as plentiful as they used to be, and credit card companies are more selective now than in the past.
    Even with excellent credit your options aren’t limitless as one can encounter bank-specific regulations. The Chase 5/24 rule, for instance, states that if you have applied for more than five cards in a 24-month period, they can turn you down. This does not only apply to Chase cards. This applies to all cards you have applied for in the past 24 months.
    If you have fair credit, try cards that are specifically aimed at your score. That’s especially true if your credit is borderline good. You can’t afford to lose any points due to a hard inquiry and a denied application. If you are denied for a card, remember to always call the reconsideration line. This can result in a reversal of their decision. In any case, you can at least find out why you were denied.
  • The best no-interest credit card will depend on how you are going to use it. When comparing 0% APR cards, you need to know how much you plan on spending and how long it will take to pay it off. When you opt for a longer zero-interest period, you might forgo some rewards. A slightly shorter period may present more reward opportunities.
    Some of the credit cards that include a 0% introductory APR will offer it for six months after opening your account, while other cards may offer 0% APR for 15 months or even longer. Although the 0% interest period may be longer on some cards, certain features, including the rewards offered by the card or the post-introductory interest rate, may also play a part in your decision.
    For example, the Citi Diamond Preferred card comes with a 0% introductory APR for 21 months on purchases and balance transfers. This card happens to have one of the longest 0% introductory APR periods available, but it offers no rewards. After the 21-month period is over, this card will have a variable APR of 13.49 to 23.49 percent. The rate you get will be based on your credit score.
    On the other hand, a card with a shorter promotional term may have better rewards. The Costco Anywhere Visa from Citi and the VentureOne and Quicksilver cards from Capital One all come with shorter introductory periods with 0% APR, but they offer a lot more rewards.
    The Costco Anywhere Visa comes with a 0% APR on purchases for just seven months, but you can collect cash back on all the purchases you make with the card. You can earn 4 percent cash back on up to $7,000 in gas purchases, 3 percent back at restaurants and for eligible travel purchases, 2 percent back on purchases from Costco, and 1 percent back on all other purchases.
    The VentureOne card has a 0% intro APR for the first 12 months and it allows you to collect 1.25 miles for every dollar spent. This card also awards you with 20,000 bonus miles for spending $1,000 within the first three months of opening your account. Once the 0% APR period is over, the card will have a variable APR of 12.99 to 22.99 percent, depending on your credit history.
    Due to the different factors involved, deciding which 0% credit card is the best can only be determined by the person applying for the card. Much of the decision will depend on how and where you plan to use the card. But more importantly, you have to figure out how much you plan on spending and how long you think it will take to pay for it.
  • Some credit cards that offer a 0% introductory APR on purchases also offer some form of purchase protection. If your card qualifies for purchase protection, all the eligible purchases you make on it will be covered against theft or accidental damage for a limited time. All American Express and Discover cards have the coverage, as well as Visa Signature cards and World and World Elite MasterCards.

    If a qualifying item bought on a credit card with purchase protection is damaged or stolen, you will have to submit a claim to your card issuer. If the item in question is already covered by a primary insurance policy, you must first submit a claim with them before proceeding to the credit issuer. When submitting your claim, you will be required to provide evidence to verify your purchase, including a copy of your credit card statement with the purchase and an itemized receipt from the retailer showing the purchase. In the event of a theft claim, you may be required to provide a police report.

    Purchase protection is typically only available for a limited amount of time, usually about 90 days. There are some items that may not be covered, including animals and plants, gift cards and gift certificates, medical equipment, monetary instruments, permanent fixtures, perishable and consumable items, used goods, rare stamps, coins, collectibles, antiques and motorized vehicles.

    Certain cards may include differing policy specifications and may refuse to accept certain claims upon submission. Some of the claims that may not be accepted include items that are lost or damaged due to careless misplacement or mysterious disappearances.

    It is a good idea to be familiar with the purchase protection or extended warranty coverage your current and future cards may come with. If you plan on spending a significant amount on a single item, it is a good idea to use a credit card with interest free introductory period as well as a purchase protection plan an or extended warranty coverage. In addition, you also need to check the overall amount of coverage that your card’s policy offers. Some cards will only cover up to $500, while others will cover you for up to $10,000. If an item you buy is stolen or damaged, be sure to submit a claim as soon as possible to ensure that you are within the allotted time frame of your purchase protection period.

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