List of Interest Free Credit Cards

Editor's Pick

The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible...Choose your own due date and pay up to midnight ET online or by phone. Human...talk to a real person any time with 100% U.S.-based service. Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee. 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *

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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 15 months, and there is actually an interest free credit card for 18 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.

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 from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment Enroll at no additional cost each quarter for new categories that earn additional cash back Full 1% cash back on all other purchases and eligible cash advances. No Annual Fee*
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 0%* 12 months* 12.99%-22.99%* (Variable) $0* 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. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees - EVER No penalty rate - EVER No annual fee - EVER Save time when you call with fast, personal help, 24 hours a day.
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 0%* 18 months* 12.99% - 21.99%* (Variable) $0* Yes* Excellent Credit

Citi® Diamond Preferred® Card
	Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.* There is a balance transfer fee of either $5 or 3% of the amount of each transfer Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item. Let our 24/7 concierge service help book your hotel rooms, flights and more. Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®. $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 0%* 18 months* 11.99%-21.99%* (Variable) $0* Yes Excellent Credit

Citi ThankYou® Preferred Rewards Card
	Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards! 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness* Earn 1 ThankYou Point for every $1 you spend on all purchases No expiration and no limit on the points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love Travel with ease and enjoy global acceptance with Chip Technology No annual fee*
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months 0% 12 months 12.99%-22.99%* (Variable) $0* Yes* Excellent Credit

Discover IT™
	The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible...Choose your own due date and pay up to midnight ET online or by phone. Human...talk to a real person any time with 100% U.S.-based service. Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee. 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 14 months* 0%* 14 months* 10.99% - 22.99%* (Variable) $0* Yes Excellent Credit

Discover IT™
	The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible...Choose your own due date and pay up to midnight ET online or by phone. Human...talk to a real person any time with 100% U.S.-based service. 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 0%* 18 months* 10.99% - 22.99%* (Variable) $0* Yes Excellent Credit