Category Archives: No Annual Fee

Chase Freedom Flex Credit Card

Chase Freedom Flex Credit Card offers a $200 signup bonus plus 5% cash back at grocery stores.

Chase Freedom Flex Credit CardSign up bonus

Get receive a $200 bonus after charging only $500 or more on Freedom Flex Card within three months of opening the account.

Zero percent interest introductory offer

Pay no interest on purchases during the first 15 months, although a minimum monthly payment needs to be made.

5% rebate at grocery stores

During the first 12 months shopping at grocery stores (except at Walmart or Target) earns you 5% cash rewards (that’s worth up $600).

Extra rewards on selected items
  • 5% cash back on bonus categories you choose each 90 days (limit of $1,500 spending)
  • 5% cash back on travel purchases through Chase Ultimate Rewards
  • 3% cash back on dining at restaurants, which includes takeout and some delivery services
  • 3% cash back at drugstores
  • 1% cash on all other eligible card charges
Other great features
  • No annual fee
  • No minimum to redeem cash back rewards
  • Rewards never expire as long as account remains open
Free benefits and services
  • Zero liability protection
  • 24/7 Fraud monitoring never sleeps
  • Free cell phone theft or damage insurance
  • Purchase protection for 120 days (up to $500 per claim)
  • Extended warranty program
  • Trip cancellation/interruption insurance
  • Free credit score and identity restoration service

For details and more information on the Chase Freedom Flex Credit Card click here.

Barclaycard with Apple Financing

Barclaycard with Apple financing

The Apple Rewards Barclaycard and the Barclaycard Financing Visa have both been discontinued as of Sept. 2020.

Material below is for archival purposes only.

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)

Quicken World Mastercard

quicken world mastercard credit card

Quicken World Mastercard makes life simple with 2X points on everyday purchases.

Get a 2% rebate for purchases at

  • Grocery stores and supermarkets
  • Dining establishments such as restaurants, bars and fast food places
  • Utility bills such as telephone and cable
  • Club memberships such as sports, recreation, athletic, country clubs and private golf courses

You even get 1% rebates on all other qualifying net purchases with no limits on much you can earn

You can redeem the points for statement credits, Quicken products, travel, selected merchandise, gift cards.

With no annual fee the Quicken credit card is an easy way to save money on normal purchases and bills you make every month.

With Quicken’s TurboTax receive your biggest tax refund, guaranteed.

The deal includes Free Expert Tax Advice: If you have a question, our experts are just a call or click away within TurboTax.

Millions of people have used TurboTax software to get their maximum tax refund… but for those who want even more peace of mind, Quicken now offers guidance from a live tax professional via phone or live chat, FREE.

So you can get one-on-one answers to your unique tax questions… know you’re getting all the deductions you deserve… and file your taxes with even more confidence!

Find out more about free tax support here.

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