12 Best No-Interest Credit Cards (2017‘s 0% APR Offers)

12 Best No-Interest Credit Cards (2017’s 0% APR Offers)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: July 27, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

One of the most prodigious creatures of the insect world, the aphid is nothing short of a biological marvel. A single female can reproduce on its own, creating an entire army of daughters that can decimate a plant in days. And when a host plant has become overrun, the little bugs develop wings and search for a new victim.

Mimicking the bugs’ uncanny ability to multiply unchecked from a single progenitor, credit card interest fees may very well be the aphids of the consumer finance world. Compounding daily, the double-digit interest rates charged by credit cards can turn even the smallest purchase into a costly expense.

Fortunately, while it’s almost impossible to keep aphids from your garden, there are ways to avoid their financial doppelgangers with zero-interest credit card offers. Whether you need to transfer a balance, earn rewards, or avoid fees entirely, you can find a card to help you stay interest-free.

0% Intro (Purchases) | 0% Intro (Balance Transfers) | Charge Cards | Prepaid Cards

The Best No-Interest on “New Purchase” Offers

It often seems that many of life’s biggest moments are also the most expensive. And while some of those big expenses are ones you can plan for, such as needing new furniture when you finally buy your own place, just as many are completely unexpected — like needing a new air conditioner two weeks after you get moved in.

In the idealized world, we’d all have the cash on hand to deal with anything life decides to bring our way. In the real world, not only is simply throwing cash at the unexpected not always possible, but it may also cause you to miss out on reaping huge rewards. That’s where introductory 0% APR credit card offers come into play.

Offering no-interest credit to qualified applicants, 0% APR offers allow cardholders to carry a balance for the length of the introductory period, typically 12 to 18 months. This means any new purchases you make on your card during the offer period can be interest-free for more than a year. Our top offers won’t charge you an annual fee for the privilege, either.

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

5.0/5.0
  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • With Cashback Match you could turn $200 into $400, as the card matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% – 23.99% Variable
$0
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Our Take: "If you're looking for a card that gives you air miles, your search is over. This card helps you earn free flights with multiple airlines, awards very generous bonuses, and offers a low APR to boot.
  • Earn unlimited 1.5x Miles on every dollar spent
  • Cover travel costs by redeeming the miles in any amount for a statement credit
  • Fly any airline, any time
  • No blackout dates
  • At the end of your first year, the card automatically matches the miles you've earned (only for new cardmembers)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
11.99% – 23.99% Variable
$0
Excellent, Good

+ See More 0% Intro Card Offers

Keep in mind that introductory interest rates are, by nature, temporary, and will increase at the end of your offer terms. Check your cardholder agreement to find out what your new rate will be when your 0% APR period ends, based on your creditworthiness.

Screenshot of Chase Freedom 0% APR Offer

Be sure to pay your balance before the end of your introductory offer to avoid paying interest on your purchases. The default APR to which your card reverts at the end of your offer terms will depend on your creditworthiness.

The Best No-Interest “Balance Transfer” Offers

One of the trickier things about credit cards is that, in some cases, no matter how well-intentioned your repayment plan, your credit card balance can simply get away from you. This may be from one large purchase that couldn’t be helped, a series of unfortunate — and costly — events, or just a snowball effect from life’s everyday necessities.

Regardless of how your balance manifested, once it sits on your card for more than one billing cycle it starts to accrue interest. And like gamma rays hitting a mild-mannered scientist, those interest fees can turn your modest credit card balance into a hulking monster in no time if left allowed to multiply.

Short of paying your entire balance (which is always the best option), the easiest way to avoid the potentially dramatic impacts of credit card interest fees on your existing debt may be to take advantage of a 0% APR balance transfer offer. These introductory offers allow cardholders to transfer an existing balance to the new card, then carry that balance, interest-free, for the length of the offer terms.

When comparing balance transfer offers, you’ll want to take note of the exact offer terms, such as any annual fees, as well as the default APR you will be required to pay on balances remaining after the offer terms expire. Also look out for balance transfer fees, which are typically 3% of your transferred balance. Our top picks are all annual-fee-free and offer interest-free transfers for 15 to 18 months.

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

4.6/5.0
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from Account opening. After that, a variable APR of 13.99%, 17.99% or 23.99%, will apply.
  • No annual fee.
  • No foreign transaction fees.
  • Make purchases the way you want — mobile payment enabled supporting Android Pay™, Apple Pay™ and Samsung Pay™.
  • Shop with confidence knowing that your purchases are covered with our valuable protection programs.
  • Fraud coverage if your card is ever lost or stolen.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
Variable APR of 13.99%, 17.99% or 23.99%
$0
Good/Excellent
Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.15%-25.99% (Variable)
$0
Excellent/Good

0% BALANCE TRANSFER RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good

+ See More 0% Balance Transfer Offers

Some balance transfer offers may require you to transfer your balance within a certain amount of time after opening your account to qualify for the zero-interest offer. Additionally, cards that offer rewards, such as cash back or points, will probably not allow you to earn rewards on your transferred balance. Nor will you likely be able to count your transferred balance toward a minimum spending requirement for any signup bonus rewards.

The Best No-Interest “Charge Card” Offers

Although somewhat rare in the current marketplace, the charge card actually came before the modern-day credit card, with roots that stretch back to the Diners Club card of 1950. Today, few differences between charge cards and credit cards remain, with both offering things like rewards and travel perks to qualified cardholders.

For the most part, the only real thing separating the more popular credit cards from the traditional charge cards is the nature of the line of credit they represent. Credit cards represent a revolving line of credit, meaning cardholders can carry a balance on the card from month to month in exchange for paying interest.

Charge cards, on the other hand, require cardholders to pay their entire balance each month. While this may be less convenient in some cases, it also makes charge cards a perfect way to enjoy the benefits of paying with a card, including purchase rewards, without the burden of paying high interest fees on your purchases. As has been the case for decades, the most popular charge cards come from American Express.

7. The Platinum Card® from American Express

The top of the line of American Express charge cards, the Platinum card is chock-full of perks and purchase rewards aimed at frequent travelers.

Graphic of Amex Platinum Card

  • Earn 60,000 Membership Rewards® points after making $5,000 in purchases within the first 3 months
  • Receive 5X rewards for flights & hotels with American Express Travel
  • Enjoy access to the Global Lounge Collection

With a $550 annual fee, the Platinum card isn’t the most affordable charge card on the market, but its benefits could make it worthwhile for some cardholders.

8. Premier Rewards Gold Card from American Express

A little easier on the pocketbook, the American Express Gold card still provides a lot of bonus for your buck, although you won’t get access to the coveted Global Lounge Collection.

Graphic of Amex Gold Card

  • Earn 25,000 Membership Rewards® points after making $2,000 in purchases within the first 3 months
  • Receive 3X points on flights booked directly with the airlines
  • Receive 2X points at US restaurants, gas stations, and supermarkets

While the Gold card charges a $195 annual fee, it’s waived for the first year.

9. American Express Green Card

The entry-level charge card from American Express, the Green card still has a variety of perks aimed at travelers, but without the high earning rates of the more expensive cards.

Graphic of Amex Green Card

  • Earn 25,000 Membership Rewards® points after making $1,000 in purchases within the first 3 months
  • Receive 2X points on travel booked through American Express Travel
  • Pay no annual fee

In addition to the 2X rewards for travel, cardholders can earn an unlimited 1X rewards on other eligible purchases.

+ See More American Express Offers

The Best No-Interest “Prepaid” Card Offers

Although not technically a credit card, prepaid cards can be used in much the same way as regular credit cards when it comes to making purchases and payments. Prepaid credit cards will carry an issuer logo, such as Visa or Mastercard, and can be used anywhere the issuer is accepted.

Unlike credit cards, however, prepaid cards require the user to pre-fill the card with money before it can be used to make purchases. Additionally, once the card’s initial funds have been exhausted, the card will need to be reloaded to continue being used.

As with charge cards, it’s the actual nature of prepaid cards, not a temporary zero-interest offer, which allows cardholders to avoid paying interest fees. Because they don’t actually represent a line of credit and, therefore, cardholders won’t be carrying debt on the card, prepaid cards don’t charge users interest fees to make purchases or payments.

Pink NetSpend® Visa® Prepaid Card Review

at NetSpend'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

2.5/5.0
  • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
  • *Card issued by MetaBank®, Member FDIC. "Apply Now" for full details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
No Credit Check
AccountNow® Prepaid Visa® Card Review

at AccountNow'ssecure website

PREPAID RATING

★★★★★
4.6

OVERALL RATING

2.5/5.0
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free† direct deposit and online bill payment
  • Use it Everywhere Visa Debit Card Accepted in the U.S.
  • Easy Online/Mobile Account Access
  • Perfect for Occasional Usage
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
No Credit Check
READYdebit® Visa Prepaid Card Review

at READYdebit'ssecure website

PREPAID RATING

★★★★
4.3

OVERALL RATING

2.0/5.0
  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$9.95 monthly fee
No Credit Check

+ See More Prepaid Card Offers

It’s also important to note that, because they aren’t associated with an actual line of credit, prepaid card issuers won’t report any of your card behavior to any credit bureau. This means prepaid cards can’t help — or hurt — your credit score.

Table Comparing Various Card Types

Instead of interest fees, the things to watch out for with prepaid cards are any monthly or annual fees, or other usage fees that may be charged per transaction. You may also run into fees for direct deposits or other additional services.

Win the Interest Rate Game with the Right Card

A financial infestation that can quickly take over your credit cards, interest fees are the bane of many a credit consumer. For many, the best way to avoid having your balance decimated by hungry interest fees is to use an introductory 0% APR offer for new purchases and balance transfers.

For others, the best plan is to prevent the metaphorical bugs from ever getting a foothold with the help of a quality charge or prepaid card. Whatever your method, be sure to use your new card responsibly to avoid credit trouble.