Best Zero Interest Credit Cards

zero-percentBelow is our ranking of the best no-annual-fee credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. After the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Most 0% balance transfer offers do include a balance transfer fee.

  • chase-slateChase Slate Visa Credit Card – Offers a 0% interest rate on purchases AND on balance transfers for 15 months. If you do transfer a balance, you will want to do so in the first 60 days of having the card, when there is no balance transfer fee. After those first 60 days, there is a 5% fee on any balances transferred — for example, a transfer of $1000 would cost you $50 in fees. Interest rate after the first 15 months may be anywhere from 15.49% to 24.24% depending on your credit history.
  • citi-diamond-preferredCiti Diamond Preferred Card – Offers a 0% interest rate on purchases AND on balance transfers for 21 months. There is a 3% fee on any balances transferred. Interest rate 12.99% – 22.99% (depending on your credit history) after introductory period.


  • citi-simplicity-credit-cardCiti Simplicity MasterCard – Citibank credit card offers a 0% interest rate on purchases AND on balance transfers for 21 months. There is a 3% fee on any balances transferred. The interest rate after the first 21 months varies from 13.99% to 23.99% depending on your credit history.
  • pnc-core-visa-smallPNC Core Visa – Offers a 0% rate on both purchases and balance transfers for 15 months. There is a 3% balance transfer fee. Interest rate after 15 months may be as low as 10.49% but also as high as 20.49%, depending on your credit history.
  • us-bank-plat-smallUS Bank Visa Platinum – Offers a 0% rate on purchases as well as balance transfers for 15 months. Note the 3% fee on transferred balances, however. Interest rate after 12 months ranges from 10.49% to 22.49% depending on your credit history.
  • wells-fargo-visa-plat-smallWells Fargo Platinum Visa – Get a 0% rate on purchases as well as balance transfers for 15 months. You’ll pay a 3% fee on balance transfers. Interest rate after the first 15 months ranges from 15.65% all the way up to 25.49% depending on your credit history.
  • key-latitudesmallKeyBank Latitude MasterCard – Offers a 0% interest rate on both purchases and balance transfers for 15 months. 4% balance transfer fee, though. 10.49% to 20.49% interest rate after the first 15 months, depending on your credit history.
  • 5th3rd-trulysimpleFifth Third Bank Truly Simple MasterCard – 0% rate on both purchases and balance transfers for 15 months. There is a 4% fee on balance transfers, though. Interest rate after 15 months varies from 12.49% to 23.49% depending on your credit history.
  • chase-freedom-unlimited-smallChase Freedom Unlimited – Offers a 0% rate on purchases and balance transfers for 15 months, but pay special attention to the 5% balance transfer fee, the highest rate on balance transfers we’ve seen. Interest rate anywhere from 15.49% to 24.24% after 15 months, depending on your credit history.
  • chase-freedom-smallChase Freedom Credit Card – Offers a 0% interest rate on purchases AND on balance transfers for 15 months. There is a high 5% fee on any balances transferred. Interest rate after the first 15 months may be anywhere from 15.49% to 24.24% depending on your credit history.
  • discover-it-smallDiscover It – Offers a zero percent interest rate on purchases as well as balance transfers for 14 months. 3% fee on those balance transfers, though. 11.49% to 23.49% interest rate after the first year.
  • AmexEveryDay100Amex EveryDay Credit Card – Offers a 0% interest rate on purchases as well as balance transfers for 12 months. However, a 3% fee applies on balance transfers. APR after 12 months: 13.49% to 23.49% depending on your credit.
  • BlueCashEveryday-smallBlue Cash Everyday from American Express – Offers a zero percent interest rate on purchases as well as balance transfers for 12 months. Balance transfers only qualify for the 0% rate if made within 30 days of account opening. Interest rate after 12 months will be anywhere from 13.49% to 23.49% depending on your credit history.
  • bofacashrewardsccBankAmericard Cash Rewards Visa – Offers a 0% interest rate on purchases AND balance transfers for the first year. (Balances must be transferred within the first 60 days of having the card.) There is a 3% fee on any balances you transfer. Interest rate after 12 months could be as low as 13.49% or as high as 23.49% depending on your credit history.
  • state-farm-rewards-visa-smallState Farm Rewards Visa – Offers a 0% rate on purchases and balance transfers for 12 months, with a 3% fee on balance transfers. Interest rate of 13.74% to 20.74% after the 0% period ends, depending on your credit history.
  • aarp-credit-card-smallAARP Rewards Visa – Offers a 0% interest rate on purchases as well as balance transfers for 12 months. 3% fee on balance transfers. Interest rate of 16.74% to 23.49% after the first 12 months, depending on your credit history.


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