Interest Free Credit Cards

Editor's Pick

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee*

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One of the best deals available are interest free credit cards. No interest cards offer 0% on balance transfers, purchases, or both. With balance transfers, you can transfer one or more high interest credit card balances onto the interest free credit card and pay no interest during the introductory period. With zero interest on purchases, you can use the card for big purchases or everyday expenses, and pay no interest until the into period expires.

Until recently, there were several cards that offered no interest for up to 12 months. Now, some credit cards offer 0% for up to 18 months, and there is actually an interest free credit card for 21 months. Offered by Citi, it is our Editor’s pick as noted above.

Below you’ll see more top picks, followed by an exhaustive list of other interest free cards. Many of the cards come with other benefits, such as cash back rewards, travel points, or even zero percent balance transfer offers.

Capital One® VentureOneSM Rewards Credit Card
	1.25 miles per dollar on every purchase, every day and no annual fee One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel. Redeem miles for airline tickets, hotel rooms, car rentals and more No limit on the miles you can earn and miles don't expire Fly on any airline, any time with no blackout dates 0% intro APR on purchases until June 2013 No foreign transaction fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* Until 06/2013 on purchases* 11.90-19.90% (Variable)* $0.00* No Excellent Credit*

Capital One® Platinum Prestige Credit Card
	0% intro APR until September 2013 on balance transfers 0% intro APR until September 2013 on purchases No annual fee $0 Fraud Liability if your card is lost or stolen 24-hour travel assistance gives you a replacement card and cash advance 24-hour roadside assistance Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* Until 09/2013 on purchases* 10.90-18.90% (Variable)* $0.00* Yes Excellent Credit*

Citi® Dividend Platinum Select® Visa® Card
	$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll. Each quarter, you can enroll to earn additional cash back in popular categories. Full 1% cash back on all other purchases and eligible cash advances. No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 12 months on purchases* 12.99-22.99% (Variable)* $0.00* Yes Excellent Credit*

Citi® Platinum Select® MasterCard®
	0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 18 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Capital One® Cash Rewards - Excellent Credit
	$100 Bonus after you spend $500 in the first 3 months 50% bonus on the cash back you earn every year 1% cash back on all purchases No annual fee Earn unlimited cash back that doesn't expire Redeem cash back anytime for any amount, even set automatic redemptions Personalize your card with an image of your choice 0% intro APR on purchases and balance transfers until June 2013.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* Until 06/2013 on purchases* 12.90-20.90% (Variable)* $0.00* Yes Excellent Credit*

Citi Simplicity® Card
	0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 18 months on purchases* 12.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Citi® Diamond Preferred® Card
	0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.* 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 18 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Chase Freedom® Visa
	This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 15 months on purchases and balance transfers 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12 You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchases Up to an additional 10% Cash Back when you shop online at select merchants through Chase. No annual fee and rewards never expire
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 15 months on purchases* 12.99-22.99% (Variable)* $0.00* Yes Excellent Credit*

Discover® More® Card
	0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 15 months on purchases* 10.99-20.99% (Variable)* $0.00* Yes Excellent Credit*

Discover® More® Card
	0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Discover is ranked #1 in customer loyalty -16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 6 months on purchases* 10.99-20.99% (Variable)* $0.00* Yes Excellent Credit*

Discover® Open Road Card
	0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%* 2% automatically at gas stations and restaurants all year long* Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 15 months on purchases* 10.99-19.99% (Variable)* $0.00* Yes Excellent

Miles by Discover® Card
	Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months - up to 20,000 Bonus Miles 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash 0% intro APR on balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 15.99%* No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* N/A* 10.99-15.99% (Variable)* $0.00* Yes Excellent

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Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards
	$150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter** No expiration and no limit on the number of points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 12.99-22.99% (Variable)* $0.00* Yes Excellent

Citi Forward® Card
	$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases APR reduction on purchases when using credit wisely No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 7 months on purchases* 12.99-22.99% (Variable)* $0.00* Yes Excellent

Slate® from Chase
	No Balance Transfer Fee!* 0% Intro APR for 15 months on purchases and balance transfers Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5 Avoid interest on everyday purchases Pay down your balance faster Zero liability on unauthorized purchases* No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 15 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*