Best No Interest Cards
Here are our top picks for the best
0% intro APR offers.
Browse through them to find the one that best fits your needs.
Here are our top picks for the best
0% intro APR offers.
Browse through them to find the one that best fits your needs.
Here are our top picks for the best
0% intro APR offers.
Browse through them to find the one that best fits your needs.
Why We Love It: Earn while you pay down balances with simple and rewarding cash back.
Intro APR: 0% Intro Apr for 18 months on balance transfers; after that it's 18.24% - 28.24% (Variable)
Rewards: ● Earn 2% on every purchase: 1% when you buy + 1% when you pay (minimum payment required). ● Special Travel Offer: 5% cash back on hotels, car rentals, and attractions booked through Citi Travel℠ portal (until 12/31/25).
Annual Fee: $0
Welcome Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
Type: Personal Card.
Why We Love It: This card offers valuable rewards, unique benefits, and a generous intro offer. Earn up to 5X points per dollar on select categories, 2X points on others, and 1X on everything else. Plus, every purchase rounds up to the nearest 10 points—a $2 coffee earns 10 points, and a $12 sandwich earns 20 points. On top of that, enjoy a 0% intro APR for 15 months on purchases and balance transfers. Best of all, it comes with a $0 annual fee.
Intro APR: 0% Intro APR for 15 months on purchases and balance transfers │ After that, a variable APR of 17.74% - 27.74% applies, based on creditworthiness.
Rewards: Earn 5X ThankYou® Points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com (through 12/31/25) │ Earn 2X ThankYou® Points per $1 at supermarkets and gas stations (first $6,000 per year) │ Earn 1X ThankYou® Point per $1 on all other purchases │ Automatic Point Rounding: Every purchase rounds up to the nearest 10 points with no cap—a $2 coffee purchase earns 10 points, a $12 sandwich earns 20 points.
Annual Fee: $0
Welcome Offer: Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening
Type: Personal Card.
Why We Love It: This is one of the best balance transfer cards, offering a 0% intro APR for 21 months on balance transfers and 12 months on purchases—one of the longest intro periods available. Plus, enjoy no late fees, no annual fee, and no penalty rate.
Intro APR: 0% for 21 months on balance transfers; 12 months on purchases.
Rewards: No Points
Annual Fee: $0
Welcome Offer: No Welcome Offer
Type: Personal Card.
Why We Love It: This card is perfect whether you're applying as a student or a regular cardholder, making it a great choice for your first credit card. Earn unlimited 1.5x Miles on every dollar spent, plus Discover matches all the miles you earn in your first year—so $20,000 in spending gives you 70,000 miles! Enjoy a 0% intro APR on purchases and balance transfers for 15 months, and best of all, Discover is great for piggybacking, allowing you to help a friend build credit when you add them as an authorized user.
Intro APR: Enjoy 0% intro APR for 15 months on purchases and balance transfers (balance transfers must be made within the first 45 days). After that, a variable APR of 20.24%–28.24% applies.
Rewards: Earn unlimited 1.5x Miles per dollar on all purchases.
Annual Fee: $0
Welcome Offer: Discover matches all the miles you earn in your first year—so $20,000 in spending gives you 70,000 miles! Plus, Enjoy a 0% intro APR on purchases and balance transfers for 15 months
Type: Personal Card.
Why We Love It: This is a well-designed card from Barclays. It gives you premium perks, including exclusive hotel upgrades, 24/7 concierge service, and strong travel protections like trip coverage. While there is no standard welcome offer, Barclays will provide occasionally bonus points or other incentives to cardmembers as part of the rewards program. A key highlight is the 0% intro APR for 15 months, along with no foreign transaction fees—a benefit you don’t want to miss.
Intro APR: Enjoy 0% intro APR for up to 15 billing cycles on purchases and balance transfers made within the first 45 days, then 20.24%–28.24% variable APR applies.
Rewards: Earn 1 Point for every $1 spent on all Eligible Purchases.
Annual Fee: $195
Welcome Offer: From time to time, Barclays may offer bonus points or other incentives to cardmembers. Details will be provided when an offer is available. Bonus offer terms become part of your Reward Rules.
Key Benefits: ● Luxury Perks: Get hotel upgrades, 24/7 concierge service, and travel protections, including trip coverage. ● 0% Intro APR: Enjoy 0% intro APR for 15 months on balance transfers. ● Flexible Redemptions: Use points for travel, cash back, statement credits, gift cards, merchandise, or experiences.
Type: Personal Card
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Why We Love It: Simple cash-back rewards with no complicated categories.
Intro APR: 0% on purchases for 12 months.
Rewards: 2% cashback on all business purchases for the first 50,000 spent each year, then 1% thereafter.
Annual Fee: $0
Type: Business Card.
Why We Love It: A top choice for balance transfers with one of the longest intro APR periods.
Intro APR: 0% for 21 months on balance transfers; 12 months on purchases.
Rewards: No Points
Annual Fee: $0
Welcome Offer: No Welcome offer.
Type: Personal Card.
Why We Love It: This card earns 5X points per dollar on office supplies, internet, cable, and phone services (up to $25,000 per year), 2X points at gas stations and restaurants (up to $25,000 per year), and 1X on everything else. Plus, if you have a Chase Business Checking account, you'll receive a 10% bonus on total points earned each year. Enjoy a 12-month 0% intro APR on purchases, travel insurance, and primary car rental insurance. Best of all, get a 75,000-point welcome offer—all with $0 annual fee.
Intro APR: 0% on purchases for 12 months.
Rewards: Earn 5X points 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 2X points on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1X points on all other purchases.
Annual Fee: $0
Welcome Offer: Earn 75,000 points. You'll earn 35,000 points when you spend $3,000 on purchases in the first 3 months and an additional 40,000 points when you spend a total of $6,000 on purchases in the first six months after account opening..
Key Benefits: 12 months 0% Apr, plus 5 points on categories
Type: Business Card.
Why We Love It: The rewards are simple and generous—earn 1.5 points per dollar on every purchase. Enjoy a 12-month 0% intro APR on purchases and valuable perks like travel insurance and primary car rental insurance. Best of all, get a 75,000-point welcome offer with $0 annual fee.
Intro APR: 0% Apr on purchases for 12 months.
Rewards: 1.5X points per dollar on all purchases
Annual Fee: $0
Welcome Offer: Earn 75,000 Points after spending $6,000 in the first 3 months.
Key Benefits: 12 months 0% Apr for purchases. Plus 1.5X points on all purchases.
Type: Business Card.
| Card Name | Intro APR | Annual Fee | Rewards | Welcome Offer |
|---|---|---|---|---|
| Citi® Double Cash Card | 0% Intro Apr for 18 months on balance transfers; after that it's 18.24% - 28.24% (Variable) | $0 | ● Earn 2% on every purchase: 1% when you buy + 1% when you pay (minimum payment required). ● Special Travel Offer: 5% cash back on hotels, car rentals, and attractions booked through Citi Travel℠ portal (until 12/31/25). | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. |
| Citi® Rewards+ Card | 0% Intro APR for 15 months on purchases and balance transfers │ After that, a variable APR of 17.74% - 27.74% applies, based on creditworthiness. | $0 | Earn 5X ThankYou® Points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com (through 12/31/25) │ Earn 2X ThankYou® Points per $1 at supermarkets and gas stations (first $6,000 per year) │ Earn 1X ThankYou® Point per $1 on all other purchases │ Automatic Point Rounding: Every purchase rounds up to the nearest 10 points with no cap—a $2 coffee purchase earns 10 points, a $12 sandwich earns 20 points. | Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening |
| Discover it® Miles | Enjoy 0% intro APR for 15 months on purchases and balance transfers (balance transfers must be made within the first 45 days). After that, a variable APR of 20.24%–28.24% applies. | $0 | Earn unlimited 1.5x Miles per dollar on all purchases. | Discover matches all the miles you earn in your first year—so $20,000 in spending gives you 70,000 miles! Plus, Enjoy a 0% intro APR on purchases and balance transfers for 15 months |
| Mastercard Titanium Card | Enjoy 0% intro APR for up to 15 billing cycles on purchases and balance transfers made within the first 45 days, then 20.24%–28.24% variable APR applies. | $195 | Earn 1 Point for every $1 spent on all Eligible Purchases. | From time to time, Barclays may offer bonus points or other incentives to cardmembers. Details will be provided when an offer is available. Bonus offer terms become part of your Reward Rules. |
| Ink Business Unlimited® Credit Card | 0% Apr on purchases for 12 months. | $0 | 1.5X points per dollar on all purchases | Earn 75,000 Points after spending $6,000 in the first 3 months. |
| Ink Business Cash® Credit Card | 0% on purchases for 12 months. | $0 | Earn 5X points 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 2X points on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1X points on all other purchases. | Earn 75,000 points. You'll earn 35,000 points when you spend $3,000 on purchases in the first 3 months and an additional 40,000 points when you spend a total of $6,000 on purchases in the first six months after account opening.. |
With these excellent options, you can confidently choose the best card tailored to your financial goals.
Let us know if you have questions or need assistance!
