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Some cards are from Credible partners.

Not having to worry about interest, even for a limited time, can help you regain control of your debt or help you make that big purchase you’ve been waiting to make.

While a 0% introductory APR card can be very helpful, it’s important to remember that these cards don’t make you more liquid than you actually are! So remember that you’re still borrowing this money, and are responsible for paying your balance back.

Take a look at some of the best 0% introductory interest credit cards for 2017 below.

Best 0% cards

Best 0% APR period

Citi Simplicity® Card - No Late Fees Ever

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on Citibank's website

Summary

The Citi Simplicity Card offers cardholders a whopping 21 months of 0% interest as long as you don’t miss a payment or exceed the late payment limit. The added benefit is that this card also offers 21 months of 0% APR on balance transfers completed within four months from the date of account opening.

Get it

Along with the longest introductory 0% interest period we’ve seen, the Citi Simplicity Card also has no late fees (although, remember that missing multiple payments will negatively impact your credit score.)

Key highlights

  • 0% introductory APR for 21 months from account opening for purchases and balance transfers
  • No annual fee
  • No late fees or penalty rates

Skip it

The Citi Simplicity Card has a fantastic 0% interest period, but you will still be charged balance transfer fees of $5 or 3%, whichever is greater, on every transfer you make. So if you’re looking for a 0% interest card in order to transfer a large amount of debt, you will want to calculate the potential savings against the cost of the transfer to see if this is the best move for you.

Is the Citi Simplicity Card right for you? Read our full review here.

 

Best 0% cards

Best low ongoing APR

This offer is not currently available

This may be because the issuer is no longer offering this card or promotion. Check out similar cards below.

Best 0% cards

Best sign up bonus

BankAmericard Travel Rewards® Credit Card

Apply Now

on Bank of America's website

Summary

With the BankAmericard Travel Rewards Credit Card, cardholders can take advantage of 12 months of 0% APR, earn 1.5 points for every $1 spent, and redeem points for any travel related expenses, without any date or vendor restrictions.

Get it

For a high-rewards credit card that has no annual fee, no APR for 12 months and no foreign transaction fees, look no further than the BankAmericard Travel Rewards Credit Card.

Key highlights

  • No annual fee, no foreign transaction fees
  • No annual fee, no foreign transaction fees
  • Unlimited points, earned at a rate of 1.5 points per $1 spent
  • 20,000 bonus points, or $200 back, when you spend at least $1,000 on the card within 90 days of opening the account

Skip it

Frequent travelers may get more bang for their buck with another travel rewards card. So, you need to ask yourself, am I looking for a travel card or a 0% intro APR card that has travel -related benefits. It is also important to note that the 12

Frequent travelers may get more bang for their buck with another travel rewards card. So, you need to ask yourself, am I looking for a travel card or a 0% intro APR card that has travel -related benefits. It is also important to note that the 12 month introductory 0% APR period also doesn’t include balance transfers or cash advances.

Is the BankAmericard Travel Rewards Credit Card right for you? Read our full review here.

Best 0% cards

Best general cash back rewards

Barclaycard CashForward™ World Mastercard®

Apply Now

on Barclaycard's website

Summary

The Barclaycard Cash Forward World Mastercard offers cardholders 0% APR on purchases and balance transfers (made within 45 days of account opening) for the first 15 billing cycles, as well as the chance to earn $200 in cash rewards when you spend at least $1,000 on your card within 90 days of opening your account.

Get it

If you’re looking for a card that rewards you with 1.5% cash back on every purchase, plus 5% bonus each time you redeem cash back, the Barclaycard Cash Forward World Mastercard might just be the card for you.

Key highlights

  • No annual fee
  • $200 in cash rewards when you spend at least $1,000 on your Barclaycard CashForward™ World Mastercard® within 90 days of account opening
  • 0% APR on purchases and balance transfers (made within 45 days of account opening) for the first 15 billing cycles, after which the APR increases to 15.99%, 20.99%, or 25.99%

Skip it

Frequent travelers looking for a card they can use abroad or those who like the idea of being able to elevate their rewards rate with bonus spending categories might want to look elsewhere for a card that meets their needs — the Barclaycard Cash Forward World Mastercard has a 3% foreign transaction fee and only offers 1.5% cash back regardless of purchase category.

If you like the idea of a hassle free, low-interest cash back card, read on to our full review here.

Best 0% cards

Best bonus category cash back rewards

Chase Freedom®

Apply Now

on Chase's website

Summary

The Chase Freedom isn’t like other low-interest credit cards — it also offers cardholders a sign up bonus of $150 after you spend $500 on purchases in your first 3 months from account opening, and an additional $25 bonus after you add your first authorized user and make your first purchase within the same 3-month period.

Get it

With the Chase Freedom, you can get a 0% introductory APR on purchases and balance transfers for 15 months after opening your account, while earning cash back on certain eligible purchases each quarter.

Key highlights

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter when you activate the bonus and 1% unlimited cash back on all other purchases
  • No annual fee
  • 0% introductory APR on purchases and balance transfers for 15 months after opening your account

Skip it

While the Chase Freedom does offer opportunities to earn cash back, you have to remember to activate these bonus categories each quarter. If you’d rather not have to bother remembering to do that, you might be better off with a flat rate cash back card.

But if the idea of earning 5% cash back appeals to you, read our full review here.

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