Tired 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.
- 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
- 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
- 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
- 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
- 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.
- 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
- 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
- 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.
- 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
- 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.
- $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.
- $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
