18 Best 0% Interest Credit Cards for 2018

18 Best 0% Interest Credit Cards for 2018

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: August 31, 2018
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.

You see them in nearly every retail store: The giant signs on every surface, loudly proclaiming, “0% Financing! No Interest Until [Several Years from Now]!”

What most of these signs are hiding in the fine print, however, is that you better pay off your full purchase before then, or deferred interest will come down upon your head.

Want a better interest-free alternative? Just turn to a quality credit open-loop card with an introductory 0% APR offer. Most credit card APR deals offer at least six months of 0% interest without tacking on deferred interest clauses. And with so many options on the market these days, there’s a 0% interest offer for nearly any type of credit card consumer.

Our top picks include options offering 0% interest on both new purchases and balance transfers, with terms as long as 18 months. But prospective cardholders who want to save on interest have a significant number of additional choices.

Overall | New Purchases | Balance Transfers | Business | Student | Fair Credit

Best Overall 0% Interest Credit Cards

In general, there are three qualifications for a great 0% APR offer: length, flexibility, and fees. The longer the offer lasts, the more time you have to make purchases and pay off your balance.

Flexibility comes in the form of an offer that can be used for both new purchases and balance transfers, so you can save on both new balance and old ones. And fees — well, most cards will come with a balance transfer fee, so look for the lowest one you can find.

Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • 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® Credit 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
17.49%-26.99% (Variable)
$0
Excellent/Good

Our overall top pick, this card ticks most of the boxes for 0% offers, including 18 months of 0% APR on new purchases and balance transfers. Plus, balance transfers made during the 18-month promotional period are charged a reduced transfer fee.

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

This card’s offer comes a few months short of our top pick, but the purchase rewards and signup bonus may help pay off any balance a little quicker. But while the offer applies to new purchases and balance transfers alike, you won’t get a deal on the transfer fee.

0% INTRO APR RATING

★★★★
4.4

OVERALL RATING

4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.74% - 24.74% (Variable)
$0
Excellent, Good

While it has a shorter offer term, this card provides rewards on new purchases. It also sports several of the same features as our overall top pick, including being applicable on both new purchases and balance transfers, as well as a reduced balance transfer fee during the introductory period.

Best Credit Cards for 0% Interest on New Purchases

Short of the top-tier travel rewards cards, most credit cards now offer some type of 0% introductory offer. That said, the quality of those offers — particularly the length — will vary by card, with most providing only 12 months or less. Other cards will have longer promotional periods, but fewer perks.

However, if you don’t need the extra time, intro-APR cards with purchase rewards can be worth the trade, since you can earn rewards on purchases during the 0% APR period. In the end, selecting the best 0% APR credit card for new purchases will depend on whether you value a longer promotional period over earning purchase rewards.

Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% INTRO APR RATING

★★★★★
5.0

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • 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® Credit 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
17.49%-26.99% (Variable)
$0
Excellent/Good

While this card doesn’t come with purchase rewards, it does have one of the longer introductory periods on the market, offering a full 18 months of interest-free purchases. You’ll also receive up to $600 in cellphone protection when you pay your full cellphone bill with your card.

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

This card is a good mix of purchase rewards and intro-APR offer, providing more than a year of 0% interest on new purchases (and balance transfers), as well as unlimited 1.5% cash back rewards — all with no annual fee. You’ll even get a solid signup bonus by meeting the minimum spending requirement.

Discover it® Cash Back Review

at Discover Card'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.99% - 24.99% Variable
$0
Good/Excellent

This card offers both a long intro-APR period and bonus cash back on quarterly rotating categories, giving it value beyond the promotional period. And, with no annual fee, it won’t cost you anything to keep in it your wallet over the long term.

Best Credit Cards for 0% Interest on Balance Transfers

As helpful as it can be to avoid interest with a 0% APR offer on new purchases, sometimes you need a way to reduce the interest you’re being charged on your existing debt. Balance transfers allow you to move debt from a high-interest credit card to one with a lower APR.

Or, in the case of 0% APR balance transfer deals, zero interest. Although most balance transfers will come with a balance transfer fee (3% to 5% of the total transferred amount) reducing the balance transfer APR to 0% for up to 18 months — as you can with some of our top offers — can be worth the fee.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.99% - 24.99% Variable
$0
Good/Excellent

This card pairs a nice long 0% APR balance transfer offer with no annual fee, a low regular APR (based on your credit), and a host of perks and benefits from Discover. And, while you can’t earn rewards on transferred balances, this card’s cash back can come in handy after you’ve paid off your balance.

0% BALANCE TRANSFER RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

The introductory period on this card is the same 18 months for both balance transfers and new purchases, making it handy for debt both new and old. The card has no annual fee, offers cellphone protection (must pay your bill with the card), and a number of other Wells Fargo and Visa benefits.

BankAmericard® Credit Card Review

at Bank of America'ssecure website

EXPERT'S RATING

★★★★★
4.6

OVERALL RATING

0.0/5.0
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.49% - 23.49% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
14.99% to 24.99% (Variable)
$0
Excellent/Good

One of the few balance transfer cards with both an introductory 0% APR offer and no balance transfer fee, this card is ideal for no-frills savings while also offering no annual fee and Visa benefits. Note that you’ll need to transfer your balance within the first 60 days for it to qualify for the reduced rate and fee offer.

Best Business Credit Cards with 0% Interest

Not only does building a business typically require significant capital, but the amount of capital required is often far more than was in the plan. A good business credit card with a 0% APR offer can help you make important purchases without worrying about interest fees right away.

Of course, just because you want to save on interest doesn’t mean you should sacrifice rewards. The best business cards will pair solid purchase rewards with a 0% APR offer, and wrap it all in a neat little no-annual-fee bow. Just remember you’ll still need to make at least your minimum payment each month, interest fees or no.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.5

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

This card is a popular pick for many business owners thanks to its extensive cash back bonus categories, which include everything from office supplies and communication services to gas station and restaurant purchases. But it also comes with a solid intro-APR offer that’s good on new purchases and balance transfer alike (balance transfer fee will apply).

0% INTRO APR RATING

★★★★★
4.5

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

Like its bonus-category sibling, this card has a good introductory APR offer for new purchases and balance transfers, plus no annual fee. However, instead of categories to track, this card offers unlimited 1.5% cash back on every new purchase, giving you the same rewards no matter where you shop.

0% INTRO APR RATING

★★★★
4.1

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The introductory 0% APR that comes with this card only applies to new purchases, not balance transfers, and extends less than a year. At the same time, you’ll earn unlimited 1.5% cash back on your purchases, as well as the ability to score a signup bonus for hitting the minimum spend.

Best Student Credit Cards with 0% Interest

Budgeting as a student can be tough, and not just because you likely don’t have many funds with which to budget. You may also have an inconsistent income, with some income sources, like grants and scholarships, paying out only once or twice a year, which can make a 0% APR offer priceless for avoiding fees in between payouts.

At the same time, students aren’t usually known for their robust credit histories, making it harder to qualify for the best intro-APR cards. Luckily, a number of credit cards are designed specifically for students, some of which even offer low or 0% introductory interest rate offers. You’ll even earn rewards while you save on interest.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.99% - 23.99% Variable
$0
Fair

This card offers the same rewards as the non-student version, complete with matching the cash back you earn in your first year on your anniversary. It also has a 0% APR introductory offer good on new purchases and a reduced-rate introductory offer for balance transfers.

Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.99% - 23.99% Variable
$0
Fair

As with its sibling, this card offers the same cash back rewards as its non-student version, plus an extra perk just for students: Good Grade Rewards. You’ll also get a 0% intro-APR offer on new purchases, and a reduced-rate offer for balance transfers. And it’s all with no annual fee.

15. Bank of America® Travel Rewards for Students

The Bank of America® Travel Rewards for Students gives users unlimited 1.5X points per dollar on every purchase, plus a generous 12-month 0% intro-APR offer on new purchases (but no deal for balance transfers).

Bank of America® Travel Rewards for Students

  • Earn an unlimited 1.5X points per $1 in eligible purchases made with your card
  • No blackout dates or brand restrictions on redemption
  • Pay no annual fee

In addition to purchase rewards, new cardholders can enjoy a solid signup bonus by meeting the minimum spending requirement. Plus, you can earn a 10% points bonus by redeeming your points into an active Bank of America checking or savings account.

Best Credit Cards with 0% Interest for Fair Credit

Although each credit scoring model has its own scale, if your credit score is in the 600 to 700 range, you’ll typically be considered to have fair credit. While fair credit is definitely better than bad credit, a fair credit score will limit your options for finding 0% or reduced-rate interest deals.

For the most part, major issuers reserve 0% APR offers for cards aimed at consumers with at least good credit. In general, only secured cards or unsecured options from smaller banks and credit unions will offer reduced-rate APR deals for applicants with fair credit.

Discover it® Secured Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★
3.7

OVERALL RATING

3.7/5.0
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.99% Variable
$0
Please refer to issuer's website

This card has no introductory deal on new purchases, but it does offer a reduced rate on balance transfers for the first six months (balance transfer fee applies). You’ll need to make at least a $200 deposit to open this card, though larger deposits can be made to increase the available credit line.

17. Aspire Platinum

The Aspire Platinum has a low regular APR range of 9.65% to 18%, depending on your credit, and a generous six-month 0% APR introductory offer.

Aspire Platinum

  • 0% introductory APR on new purchases and balance transfers for the first 6 months
  • Standard 9.65% to 18% APR, depending on creditworthiness
  • Pay no annual fee

You’ll need to become a member of Aspire Credit Union to apply for its credit cards, but you can become eligible for membership if you work for a Select Employer Group or by joining the American Consumer Council.

18. Alliant Visa® Platinum Card

The Alliant Visa® Platinum Card doesn’t have a lot of frills, like purchase rewards, but it does offer qualified cardholders an intro rate as low as 0% for up to 12 months on new purchases and balance transfers.

Alliant Visa® Platinum Card

  • As low as 0% introductory rate for 12 months on purchases and balance transfers
  • Balance transfer fee of 2% of the amount transferred
  • Pay no annual fee

Once approved, you can become eligible to be a member if you work for a Qualifying Company, live or work in a Qualifying Chicagoland Community, are a member of a Qualifying Organization, or donate to become a member of Foster Care to Success.

Don’t Get Stuck Paying High Credit Card Interest Fees

To paraphrase the old adage, if the zero-interest deal sounds too good to be true, it probably is — so read the fine print. In many cases, you may be getting more interest than you bargain for, especially when it comes to store cards and offers.

If you’re looking for a store credit card in hopes of an interest-free financing deal, make sure it won’t bite you in the you-know-what later with deferred interest charges. Or just avoid the hassle altogether by using a good open-loop credit card with a real 0% APR offer. You could get more than a year to pay off your balance, and you may even earn rewards on those purchases with the right card.

Of course, no matter how great the interest rate offer seems, never make purchases without a solid plan on how you’re going to pay them off. Simply making the minimum required payment will be unlikely to see your full balance repaid before your promotional period expires, so do the math before you start making purchases.