List of Interest Free Credit Cards

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 15 months, and there is actually an interest free credit card for up to 18 months. Offered by Citi, we’ll start with that card, and then provide 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.

Interest Free Credit Cards for 18 Months

Citi® Platinum Select® MasterCard®
	0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 18 months on Balance Transfers* 11.99% – 19.99%* (Variable) None Yes Good

Interest Free Credit Cards for 15 Months

Discover® More Card
	0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 15 Months* 11.99% – 20.99% (Variable)* None Yes Excellent

Citi® Dividend Platinum Select® MasterCard®
	0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter. Full 1% cash back on eligible purchases and cash advances. Earn extra cash back on popular, rotating categories each quarter. Average 5% additional cash back through Citi Bonus Cash Center® No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 15 months* 12.99% – 20.99%* (Variable) None Yes Excellent

Interest Free Credit Cards for 12 Months

Discover® More Card – $75 Cashback Bonus
	0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 11.99% – 20.99% (Variable)* None Yes Excellent

Chase Freedom® MasterCard
	0% Intro APR and No Annual Fee 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy! Unlimited 1% Cash Back on all other purchases with no spending tiers Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months on Balance Transfers* 12.99%-22.99% Variable* None Yes Good

Citi® Diamond Preferred® Card
	0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate. Concierge service that caters to your needs 24/7 Citi® Identity Theft Solutions Secure, free online account management No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months* 14.99%* (Variable) None Yes Good

Slate(SM) from Chase
	0% Intro APR for up to 12 months. No Annual Fee. New Innovative Card Design. Blueprint(SM) – free and customizable features Help you avoid unnecessary interest Pay your balances down faster
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 or 6 Months* 13.24%-22.24% Variable* None Yes Good

Citi® Diamond Preferred® Rewards Card
	$50 gift card – Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** 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 0% 12 months* 12.99% – 20.99%* (Variable) None Yes Good