Best No Interest Credit Card Introductory offers

wallet with credit cardsTired of paying interest on your credit card purchases?

If you open a new account you may not have to pay interest charges for a year or more with 0% APR (Annual Percentage Rate) credit card introductory offers.

You get peace of mind with a fixed interest rate of zero financing until 2022. Note that small minimum monthly payments are still due until the intro period ends. Once the special 0% rate expires regular rates will apply to the remaining balances.

Locking in a guaranteed 0% APR until 2022 allows knowing what your payments will be for 2021 without worrying about unexpected rate increases.

Some even have introductory bonus offers and/or pay cash back on purchases. In other words, you’re getting paid to use the card for a limited time. That may even apply to credit cards with annual fees when introductory bonuses are larger than the annual fee.


20 MONTH INTRO 0% APR

US Bank Visa Platinum Card

  • 20 month 0% intro APR financing on purchases
  • No rewards
  • No annual fee
  • Regular APR is 13.99% to 23.99% once intro period expires

Elan Financial Services issues numerous 20-month 0% APR credit cards on behalf of several firms. Its cards usually have the following terms:

  • 0% intro APR financing for 20 months on purchases
  • No rewards
  • No annual fee
  • Regular APR of 13.49% to 23.49% once intro period expires

A small sampling of places offering 20-month 0% APR cards, issued by Elan Financial, are:

BOK Financial Visa Platinum Card
Chesapeake Bank of Maryland Platinum Visa Card
Community Banks of Colorado Platinum Visa Card
Exchange Bank Platinum Visa Card
Fulton Bank Visa Platinum Card
People’s United Bank Mastercard Platinum Card
Suncrest Bank Platinum Visa Card
The Bank of Missouri Platinum Visa Card
Trustco Home Town Credit Cards

18 MONTH INTRO 0% APR

Citi Diamond Preferred

  • 18 month zero-interest intro APR financing on purchases
  • No rewards
  • No annual fee
  • Regular APR is 14.74% to 24.74% once intro period expires

Citi Simplicity

  • No interest intro APR for 18 first months on purchases
  • No rewards
  • No annual fee
  • Regular APR is 14.74% to 24.74% once intro period expires

Wells Fargo Platinum Visa

  • No interest APR for first 18 months on purchases and balance transfers
  • No rewards
  • No annual fee
  • Regular APR is 16.49% to 24.49% once intro period expires

HSBC Gold Mastercard

  • No interest APR for first 18 months on purchases and balance transfers
  • No rewards
  • No annual fee
  • Regular APR is 13.99% to 23.99% after intro offer expires

15 MONTH INTRO 0% APR

American Express Cash Magnet

  • 15 month introductory no interest APR period on purchases
  • Intro Bonus: $200 after spending $1000 on purchases in first 3 months from account opening
  • Rewards: 1.5% cash back on eligible purchases
  • No annual fee
  • Regular APR is 13.99% to 23.99% after intro offer expires

Chase Freedom Flex

  • 15 month introductory no interest APR period on purchases
  • Intro Bonus: $200 after spending $500 during first 3 months of account opening
  • Rewards: 5% cash back (up to $1,500) on combined purchases in bonus categories; 5% cash back on travel purchased through Chase; 3% on dining including takeout and drugstores; 1% on all other purchases.
  • No annual fee
  • Regular APR is 14.99% to 23.74% after intro offer expires

Chase Freedom Unlimited

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: $200 Bonus after spending $500 during first 3 months of account opening
  • Rewards: 5% cash back on groceries, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining & drug stores, 1.5% elsewhere
  • No annual fee
  • Regular APR is 14.99% to 23.74% after intro offer expires

American Express Blue Cash Everyday

  • 15 month introductory no interest APR period on purchases
  • Intro Bonus: $150 after spending $500 on purchases in first 3 months from account opening
  • Rewards: 3% back on groceries, 2% back on gas, 1% back elsewhere
  • No annual fee
  • Regular APR is 13.99% to 23.99% after intro offer expires

Capital One Quicksilver Visa or Mastercard

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: $150 after charging $500 on card within first 3 months
  • Rewards: 1.5% cash back
  • No annual fee
  • Regular APR is 15.49% to 25.49% after intro offer expires

Capital One SavorOne Visa or Mastercard

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: $150 after charging $500 on card within first 3 months
  • Rewards: 3% cash back on dining and entertainment, 2% at grocery stores, 1% on other eligible purchases
  • No annual fee
  • Regular APR is 15.49% to 25.49% after intro offer expires

TD Cash Visa Card

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: $150 after charging $500 on card within first 3 months
  • Rewards: 3% cash back on dining, 2% at grocery stores, 1% on other eligible purchases
  • No annual fee
  • Regular APR is 12.99% to 22.99% after intro offer expires

Wells Fargo Cash Wise Visa®

  • 15 month introductory 0% APR on purchases
  • Intro Bonus: $150 introductory bonus after charging $500 with first 3 months
  • Rewards: 1.5% cash back on eligible purchases
  • No annual fee
  • Regular APR is 14.49% to 24.99% after intro offer expires

Citi Rewards+ Mastercard

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: 15,000 Rewards Points (not cash) after charging $1,000+ within 3 months of opening
  • Rewards: 2 Rewards points per dollar at supermarkets & gas stations for the first $6,000 per year and 1 point per $1 spent other eligible items.
  • No annual fee
  • Regular APR is 13.49% to 23.49% after intro offer expires

SunTrust Cash Rewards World Mastercard

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: none
  • Rewards: 5% cash back on gas and groceries ($6,000 maximum) within first 12 months, 2% thereafter; 1% cash back after that
  • No annual fee
  • Regular APR is 11.24% to 21.24% after intro offer expires

KeyBank Latitude® Credit Card

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: none
  • Rewards: none
  • No annual fee
  • Regular APR is 9.99% to 19.99% after intro offer expires

PNC Core Visa

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: none
  • Rewards: none
  • No annual fee
  • Regular APR is 9.99% to 19.99% after intro offer expires

Fifth Third Bank Truly Simple Mastercard Credit Card

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: none
  • Rewards: none
  • No annual fee
  • Regular APR is 11.99% to 22.99% after intro offer expires

Regions Life Visa Credit Card

  • 15 month introductory no interest APR on purchases
  • Intro Bonus: none
  • Rewards: none
  • No annual fee
  • Regular APR is 11.99% to 21.99% after intro offer expires

Wells Fargo Platinum Card Review

Wells Fargo Visa Platinum credit card

Wells Fargo Platinum Visa credit card offers new account holders a generous annual percentage rate (APR) of 0% over 18 months.

Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Wells Fargo and Visa Card benefits.

INTRODUCTORY 0% APR FOR 18 MONTHS

Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% APR gives smart consumers choices on how to spend their money.

Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to Wells Fargo Platinum Card for a modest 3% balance transfer fee to save potentially hundreds of dollars in interest. Remember though no to make ANY purchases on the new card while carrying a balance transfer balance. Funds may become mixed and due immediately. Read terms and conditions carefully.

BENEFITS AND FEATURES

People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Wells Fargo Platinum Card keeps life simple with important features that safeguard spending.

  • No unnecessary annual fee
  • Automatic bill pay eliminates missed or late payments
  • Free online banking so you don’t lose important documents and can access them 24/7
  • Account alerts to remember your purchases and make sure prices and items are right
  • Digital wallet means no searching for the right card or leaving home without your card
  • Choose your payment date to one that meets your needs
  • Free FICO score for unexpected changes or prepare for credit checks

VISA CREDIT CARD BENEFITS

Use the card with confidence wherever you go knowing Visa Card will serve and protect you against misuse of your by others. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Visa Card works its magic.

  • Accepted where American Express or Mastercard isn’t
  • 24/7 service locally and throughout the world you need it
  • Zero fraud liability fights for your rights against scammers and hackers
  • Identity theft solutions guards you from online predators who want to steal your data
  • Emergency Cash and Card Replacement
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Hotel & Motel Burglary Reimbursement
  • Lost/Stolen Card Reporting
  • Cardholder Inquiry Service

Citi Diamond Preferred Credit Card

Citi Diamond Preferred credit card

Citi Diamond Preferred credit card offers generous 0% financing over 18 months for new account holders.

Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Citi and benefits of Mastercard. 

INTRODUCTORY 0% APR FOR 18 MONTHS

Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% gives smart shoppers choices on how to pay for their purchases.

Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to the Citi Diamond Preferred Card for a modest 3% balance transfer fee and save potentially hundreds of dollars in interest. Remember though not to make ANY purchases on the new card while carrying a balance transfer balance. Read terms and conditions carefully.

BENEFITS AND FEATURES

People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Citi Diamond Preferred credit card keeps life simple with important features such as the following.

  • No unnecessary annual fee
  • Contactless pay where available as a quicker way to check out at the register
  • Automatic bill pay eliminates missed or late payments
  • Quicklock to freeze and unfreeze card use, so if you’re away for a few days you can keep it locked until you return without worry 
  • Free online banking so you don’t lose important documents and can access them 24/7
  • Account alerts to remember your purchases and make sure prices and items are right
  • Digital wallet means no searching for the right card or leaving home without your card
  • Choose your payment date to one that meets your needs
  • Free FICO score for unexpected changes or prepare for credit checks

MASTERCARD BENEFITS

Use the card with confidence wherever you go knowing Mastercard will serve and protect you against misuse of your card by other people. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Mastercard works its magic.

  • Accepted where American Express or Visa isn’t
  • 24/7 service locally and throughout the world you need it
  • Zero fraud liability fights for your rights against scammers and hackers
  • Identity theft solutions guards you from online predators who want to steal your data
  • Emergency Cash and Card Replacement
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Hotel & Motel Burglary Reimbursement
  • Lost/Stolen Card Reporting
  • Cardholder Inquiry Service

CITICARD CUSTOMER SERVICE

For help about features and benefits call Citicard Customer Service at 1-800-950-5114 and someone will be glad to assist you.