Best No Interest Credit Card Introductory offers

October 14, 2020NewsIntro APR, No annual feeLeonard Kreicas

Tired 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

Amazon VISA Signature Card

October 12, 2020RewardsChase, Groceries, No annual fee, Sign-up offersLeonard Kreicas

Check out how much more Prime Members save using their Amazon Prime Rewards Visa Card.

New card holders get $50 Amazon Gift Card instantly upon approval

3% back at Amazon and Whole Foods Market

New card holders get $100 Amazon Gift Card instantly upon approval.

5% back at Amazon and Whole Foods Market

As an alternative for a limited time only Discover It also offers 5% Cash Back at Amazon.com

Prime members who use their Discover It Card at checkout on Amazon.com from Oct. 1 to Dec. 31 get the same 5% rebate as the Amazon Prime Rewards Visa Card.

Amazon credit card Visa Signature

Earn 3% back on groceries at Amazon.com and Whole Foods Market.

Plus receive a $60 Amazon Gift Card after approval.

Besides groceries many other products you buy on Amazon.com will get a 3% credit.

NOTE: Some items such as Market 365 products, Instacart orders, and others may only get 1% back! Read the fine print for which purchases qualify for bonus rewards.

Outside of Amazon shoppers get 2% back at many other retailers:

Groceries at drugstores and gas stations
Food picked up or served at restaurants, which even includes places like McDonalds or Chick-fil-A
Household items at drugstores and gas stations
Most purchases as restaurants, drugstores, gas stations

Receive minimum of 1% back on qualifying charges everywhere else

For all other purchases redeem your points for real cash with no minimum redemption amount!

Best of all there is no annual fee for this card.

DETAILS

Grace Period: 21 days
Foreign Transaction Fee: 0
Balance Transfer Fee: 5% (min $5)
Cash Advance Fee: 5% (min $10)
APR Intro: n/a
APR Balance Transfer Intro: n/a
Rewards: 1% to 3%
Automatic payment: yes
Fraud Protection: yes
Warranty Extension: yes

American Express Blue Cash Everyday Card

October 11, 2020BankAmerican Express, Intro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Blue Cash Everyday Card from American Express

For a limited time only the American Express Blue Cash Everyday Card offers new account holders a generous $200 statement credit after charging $1,000 worth of purchases with the card. This special promotion ends December 10, 2020.

In addition if cardholders decide to carry a balance, they pay no interest for 15 months. However a minimum monthly payment is due each billing cycle.

In addition be rewarded with cash back on purchases and other benefits and features that American Express offers its customers.

Rewards

3% cash back at U.S. supermarkets ($6,000 maximum per year)
2% cash back at U.S. gas stations on eligible purchases
2% cash back at select U.S. department stores, which includes online purchases
1% cash back on other eligible purchases

Interest Rates

Purchases – 0% for 25 days when statement balance is zero
Purchases – 13.99% to 23.99% depending on creditworthiness and prime rate
Cash Advances – 25.24%

Fees

Annual Fee: $0.00
Cash advance: 5% ($10 min)
Foreign transaction: 2.7%
Late payments – up to $40
Returned payment – up to $40

Redeem Membership Rewards

Cash back as statement credit ($25 minimum)
Merchandise such as electronics, fashion, home goods
Gift cards
Travel, including airfare, hotels, luggage
Entertainment
Donate to selected charities

Travel Benefits

Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)
Travel accident insurance on common carriers

Security Features

Fraud Protection
Advanced secure chip technology
Text alerts

Amex Card Benefits

Exclusive savings with Amex Offers
Amex mobile app
ShopRunner program members receive free 2nd-day shipping from participating merchants.
Guaranteed savings off MSRP on new vehicles using the TrueCar service, with some dealers allowing cardholders to place the entire purchase on their Amex card, up to their credit limit
Entertainment Access for cardholder-only events and places
Monthly and annual summaries
Free authorized users cards

Simmons Visa Card

October 10, 2020BankIntro APR, Low interest, No annual fee, Sign-up offersLeonard Kreicas

simmons visa card

Simmons Bank Visa Card saves you money on interest with introductory 0% APR and low-interest purchase APR later on.

INTRODUCTORY OFFER

Enjoy 0% APR on purchases made within 12 months of opening a new account. Get the same 0% APR for balance transfers made within 60 days of account opening. A 3% fee is added to amount transferred

ABOUT

Founded in 1903 in Pine Bluff, Arkansas, Simmons Bank has survived pandemics and world wars to help customers in good times and bad. Simmons was recognized by Forbes as one of World’s Best Banks, “Banks were rated on general satisfaction and key attributes like trust, fees, digital services and financial advice.”

TERMS

Annual Fee: None
Purchase and balance transfer APR: 8.25%
Balance transfer fee: 3% ($10 minimum)
Cash advance APR: 12.25%
Cash advance fee: 3% ($4 minimum)
Grace period: 25 days
Foreign purchase transaction fee: 2%

FEATURES

Use your card anywhere VISA is accepted for purchases
Get up to $1,000,000 travel accident insurance at no additional cost
Car rental coverage
24/7 customer service representatives on call
$0 fraud liability protection on unauthorized use of card
Chip-secured technology
Text and/or email alerts on credit card activity

SUMMARY

The basic Simmons Bank Visa Card is a great choice for users who occasionally decide to carry a monthly balance on their credit card. Put together with an attractive introductory financing offer, the card can smooth out expenses at no or minimal interest expenses. Together with a bank that has a 100-year track record of stability, when reliability matters the Simmons Bank Visa is an excellent choice.

For details and application visit the Simmons Bank Visa Card web page.

CREDIT CARDS

Choose the right credit card for you

Best No Interest Credit Card Introductory offers

Tired of paying interest on your credit card purchases?

20 MONTH INTRO 0% APR

18 MONTH INTRO 0% APR

15 MONTH INTRO 0% APR