Category Archives: No Annual Fee

15 Best No Interest Credit Card Introductory offers

wallet with credit cardsTired of paying interest on your credit card monthly balances?

Open a new account with no interest charges for a year or more using the 0% APR credit card introductory offers listed below.

Some of them feature interest-free periods as long as 20 months on purchases or 21 months on balance transfers.

A few allow you to transfer card balances without any upfront transaction fees.

You still must make the minimum monthly payments on the credit card account and keep track of when the introductory rate expires.

All of the featured selections also do not charge any annual fee.

LONG PURCHASE PERIODS MONTHS FEES BONUS REWARDS
US Bank Visa Platinum 20 3% $0 0.0%
Wells Fargo Platinum Visa 18 3% $0 0.0%
HSBC Gold Mastercard 18 4% $0 0.0%
Chase Slate 15 0% $0 0.0%
Amex Blue Everyday 15 3% $150 1-2-3%
Chase Freedom Unlimited 15 5% $150 1.5%
Wells Fargo Cash Wise Visa 15 3% $150 1.5%
Wells Fargo Propel American Express® 12 3% $200 3% or 1%
LONG BALANCE TRANSFER PERIODS MONTHS FEES BONUS REWARDS
Citi Simplicity 21 3% $0 1.0%
Citi Diamond Preferred 21 5% $0 1.0%
US Bank Visa Platinum 20 3% $0 0.0%
ABOC Platinum Mastercard 18 3% $150 1.0%
Wells Fargo Platinum Visa 18 3% $0 0.0%
HSBC Gold Mastercard 18 4% $0 0.0%
NO BALANCE TRANSFER FEES MONTHS FEES BONUS REWARDS
Chase Slate 15 0% $0 0.0%
BankAmericard credit card 15 0%* $0 0.0%
Edward Jones World Mastercard 12 0% $100 1.0%
Perdue Federal Signature Visa 12 0% $0 1.0%
La Capitol FCU Cash Back Visa 12 0% $0 0.0%
Alliant CU Platinum Rewards 12 0% $50 2.0%

* First 60 days of account opening

Cards with no balance transfer fee

Save on costly balance transfer fees with this group of cards. Some are lesser-known financial institutions who offer great deals.

Chase Slate

  • Long 0% Introductory APR (15 months) with no balance transfer fee.
  • The  transfer must be made during the first 60 days of account opening.
  • Monthly FICO® Score and Credit Dashboard for free

BankAmericard credit card

  • Long 15 month introductory no interest APR period on purchases and balance transfers
  • 0% balance transfer fee during first 60 days; 3% thereafter
  • Basic low interest card for uncomplicated life styles

Edward Jones World Card

  • Must be an Edward Jones client to receive credit card
  • No balance transfer fee for first 60 days
  • $100 Loyalty Invest™ Deposit bonus after making $500 in purchases within 90 days of opening account
  • Creditor and issuer is Elan Financial services

Perdue Federal Visa Signature

  • One-time $50 fee to join Purdue University Alumni Association as a Friend of the University
  • No cash advance fee
  • Earn 1.25 rewards points per $1 spent on purchases with card

La Capitol Federal Credit Union

  • Must pay a modest $20 fee to join the La Capitol Federal Credit Union by becoming a member of the Louisiana Association for Personal Financial Achievement
  • 0% APR for 12 months is only valid for balance transfers, not purchases, made within first 90 days of account opening
  • 1.99% APR on purchases made within the first 90 days for 12 months

Alliant Credit Union

  • Must be a member of the Alliant credit union, which anyone can do with a $10 donation towards Foster Care to Success.
  • 1 rewards point for every dollar spent with card
  • Earn 10,000 bonus points with qualifying spend

Cards with balance transfer fees

Balance transfer fees take away some of the benefits of 0% financing. New purchases may not incur interest charges during the introductory period, but transfer fees may add hundreds of dollars to your spend.

Citi Diamond Preferred

  • Longest zero-interest intro APR for new accounts at 21 months of zero percent financing
  • 0% APR for balance transfer is subject to an upfront 3% fee and must be completed with 4 months of account opening
  • Purchases receive interest-free financing for 12 months
  • Enjoyed the many privileges of Mastercard Diamond Preferred membership

Citi Simplicity

  • Longest no interest intro APR for new accounts at 21 months of zero percent financing
  • 0% APR for balance transfer is subject to an upfront 3% fee and must be completed with 4 months of account opening
  • Purchases receive interest-free financing for 12 months
  • No late fees, no penalty rate and no annual fee

US Bank Visa Platinum Card

  • Long 20 month 0% intro APR period to pay off large purchases
  • 0% intro APR is only valid for transfers within first 4 months of account opening and a 3% balance transfer fee will be charged.

Wells Fargo Platinum Visa

  • No interest APR for first 18 months on purchases and balance transfers
  • Free cell phone protection up to $600 ($25 deductible) on phones purchased with Wells Fargo credit card.
  • Free access to your FICO® Credit Score with Wells Fargo Mobile® Banking.

American Express Blue Cash Everyday Card

  • 15 month introductory no interest APR period on purchases and balance transfers
  • 3% balance transfer fee
  • $150 Bonus after spending $500 on purchases in first 3 months from account opening (see details for restrictions)
  • 3% back on groceries, 2% back on gas, 1% back elsewhere

ABOC Platinum Rewards Mastercard

  • No interest APR for first 18 months on balance transfers
  • No interest APR for first 12 months on purchases
  • 3% fee for balance transfers

HSBC Gold Mastercard

  • No interest APR for first 18 months on purchases and balance transfers
  • 0% intro APR is only valid for transfers within 60 days of account opening and a 4% balance transfer fee applies.

Chase Freedom Unlimited

  • $150 Bonus after spending $500 on purchases in first 3 months from account opening (see details for restrictions)
  • Longer than normal 15 month 0% intro APR period
  • Stiff 5% balance transfer fee
  • Unlimited 1.5% cash back on net purchases with credit card

Wells Fargo Propel American Express®

  • $200 introductory bonus and 0% APR for 12 months makes for compelling case
  • Earn 3x points at gas stations and dining in or out, 1x on other purchases
  • Great features for no annual fee card.

Wells Fargo Cash Wise Visa®

  • $150 introductory bonus and no interest for 15 months
  • Simple unlimited 1.5% cash rewards keep on giving
  • Get the Visa suite of features and benefits

US Bank Platinum Credit Card

0% APR for 20 billing cycles with new US Bank Platinum Visa Card

US Bank credit card Platinum Visa

Good for a limited time only new cardholders of the US Bank Platinum Visa still need to make monthly minimum payments. That’s typically 1% of the statement balance plus any fees. For example $5,000 balance would require at least a $50 payment for that billing period.

The promotion also extends to balance transfers with a one-time 3% upfront fee. Spread over 20 months, the real APR for fee comes out to less than 2% per year.

No annual fee means a true low-cost way to manage purchases.

The US Bank has many great features to help deal with unexpected events.

  • Enroll in automatic bill pay to never miss a payment
  • Choose your own payment date, e.g. after paycheck clears
  • Zero fraud liability
  • Free TransUnion FICO Credit Score (updated monthly)
  • Cell phone damage protection (limits apply)
  • Worldwide Visa acceptance
  • Free online and app account access
  • Verified by Visa online shopping protection
  • Grace period of 24-30 days before payment is due
  • No over-limit fee

The US Bank Platinum Visa does not pay any rewards on purchases, nor give an introductory bonus on purchases. A possibility is earn upfront rewards of 2% from another card and transfer that purchase to this one to spread out the bill over time.

Get terms and conditions on this limited-time offer before applying.

Here are some other credit cards with introductory no-interest APR offers on purchases.

BankAmericard credit card

  • Length: 18 months
  • Annual fee: None
  • Bonus: None
  • Rewards: None
  • Type: Mastercard

American Express

  • Length: 15 months
  • Annual fee: None
  • Bonus: $150 ($1,000 spend within 3 months)
  • Rewards: 3% in supermarkets, 2% at gas stations, 1% elsewhere
  • Type: American Express

Capital One Quicksilver Cash Rewards

  • Length: 15 months
  • Annual fee: None
  • Bonus: $150 ($500 spend within 3 months)
  • Rewards: 1.5% on eligible items
  • Type: Mastercard

Chase Freedom

  • Length: 15 months
  • Annual fee: None
  • Bonus: $150 ($500 spend within 3 months)
  • Rewards: 1%, with 5% in rotating categories
  • Type: Visa

Discover It Cash Back

  • Length: 14 months
  • Annual fee: None
  • Bonus: Cash Back match in first year
  • Rewards: 1%, with 5% in rotating categories
  • Type: Discover

Belk Credit Card

Belk Rewards Card

Belk Rewards Cards give shoppers automatic discounts with almost every purchase at any any Belk store or at Belk.com.

Besides savings at Belk department stores, Mastercard holders earn 2% rewards at gas stations and grocery stores, and 1% rewards when shopping almost everywhere else.

When you open a new Belk credit card account you will receive a 20% off coupon, plus a $10 statement credit on your first-day shopping spree.

The fun begins with the basic Belk Rewards Card, and becomes even more amazing the you spend.

The entry Belk credit card includes

  • 3 points for every eligible $1 purchase
  • Hassle-free returns without a receipt
  • 20 exclusive savings events each year
  • Bonus rewards events
  • A cardholder savings day of the month
  • Track your rewards at www.belkcredit.com
  • No annual fee

The Belk Premier Rewards Card ($600 to $1499 in spend per year) adds

  • 4 points for every eligible $1 purchase
  • Special Financing with the Belk Rewards Flex Pay Plan
  • Birthday coupon
  • Exclusive Premier savings days

Finally the Belk Elite Rewards card members get

  • 5 points for every eligible $1 purchase
  • Free shipping in store and at Belk.com
  • Quarterly 20% off pick your own sale day
  • 4 invitation only Elite savings days
  • Free shipping coupons

In case you are not conveniently located by a Belk store visit their online presence at Belk.com for the latest in new merchandise and current promotions.

Barclaycard with Apple Financing

Barclaycard with Apple financing

The Apple Rewards Barclaycard has been phased out and replaced by the Barclaycard Financing Visa.

Upon approval new cardholders receive special financing on purchases within 30 days of account opening depending on amount charged.

  • Less than $499, interest is deferred for 6 months (up to between $81 and $145)
  • From $499 to $999, interest is deferred for 12 months (up to between $162 and $290)
  • Over $999, interest is deferred for 18 months (over $162 to $290 depending on APR)

Deferred interest you owe interest on the merchandise from the date of purchase if the balance is not paid in full when the promotional period ends.

The special financing applies only to products bought at Apple Store Location, online at apple.com, or via phone through -1-800-MY-APPLE posting within 30 days of account opening.

This card doesn’t garner any rewards on purchases whether at a generous 0% financing promotion on purchases made at Apple within the first 30 days of account opening to make owning an Apple product easier on the budget.

Visit the VISA credit card website to find out more about VISA cards and their benefits that are included free of charge:

  • No annual fee
  • ID theft protection
  • $0 fraud liability protection
  • Purchase security
  • Return protection
  • Warranty manager service
  • Auto rental collision damage waiver (personal only)

Forgot your card? No problem. Use your iphone with the ApplePay app at checkout!