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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 2018 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
  • 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 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 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

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

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.