List of Interest Free Credit Cards for 12 Months

The following credit card offers feature an introductory 0% APR interest rate on purchases. The interest free feature typically applies for the first six to 12 months after receipt of the card. Many of the cards come with other benefits, such as cash back rewards, travel points, or zero percent balance transfers.

Chase Freedom(SM)
Chase Freedom(SM)
Chase Freedom(SM)
  • 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores
  • Full 1% Cash Back on everything else – no spending tiers or caps on how much you can earn
  • Up to an additional 20% cash back at select merchants when you shop online through Chase
  • 0% Intro APR and No Annual Fee
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%up to 12 months on Balance TransfersAs low as 12.99% VariableNoneYesGood

Discover® More(SM) Card
Discover® More(SM) Card
Discover® More(SM) Card
  • 5% to 20% Cashback Bonus® at Top Online Retailers*
  • Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
  • Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0% APR for 12 Months*12 Monthsas low as 11.99%$0YesVery Good

Citi® Platinum Select® Card
Citi? Platinum Select? MasterCard?
Citi Platinum Select Card Offer Online
  • 0% APR* on Balance Transfers and Purchases for up to 12 Months
  • No Annual Fee
  • Citi® Identity Theft Solutions
  • $0 Liability on Unauthorized Purchases
  • Secure, Free Online Account Management
  • Extra Cash from Citi: Enjoy Significant Discounts on Gift Cards, Travel, Merchandise, and More.
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0% APR for up to 12 MonthsUp to 12 MonthsAs low as 11.99%V$0YesVery Good

Slate(SM) from Chase
Slate(SM) from Chase
Slate(SM) from Chase
  • Now with Blueprint(SM)
  • 0% intro APR for up to 12 months on Purchases and Balance Transfers
  • Patented Fraud Protection
  • Zero Liability on Unauthorized Purchases
  • E-mail and text alerts
  • No Annual Fee

Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%up to 12 MonthsAs low as 13.24% VariableNoneYesGood

TrueEarnings(R) Card from Costco and American Express
TrueEarnings(R) Card from Costco and American Express
TrueEarnings(R) Card from Costco and American Express
  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
  • Earn cash back virtually everywhere you go – 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Limit on the Cash Back earned
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A15.24%No Annual Fee with your paid Costco MembershipNoN/A

*We do our best to accurately reflect the terms and conditions of credit card offers on this site. But please recognize that these terms and conditions can and do change from time to time. When you apply for a credit card offer, please make sure to read the terms and conditions on the credit card issuer's website, as they may have changed since the information was last updated on this site.