Best 0 Interest Credit Cards for New Purchases

zero-percentUnder is our rating of the most effective no-annual-fee bank cards that supply a 0 % rate of interest on new purchases for at the least 15 billing cycles. After the zero % interval the speed adjustments again to the upper, “regular” charge supplied by that card. Many of those playing cards even have 0% steadiness switch provides, which means you may transfer balances from different higher-interest playing cards onto them and haven’t any curiosity accrue whilst you pay them off.

  • US Bank Visa Platinum – Gives a 0% rate of interest on purchases for 20 months. Additionally provides a 0% APR on steadiness transfers, however notice the three% payment on transferred balances. Interest charge after 18 months ranges from 14.74% to 25.74% relying in your credit score historical past.
  • Citi Diamond Preferred Card – Gives a 0% rate of interest on purchases for 18 months. Additionally provides a 0% charge on steadiness transfers, although there’s a 5% steadiness switch payment, which is sort of excessive. Interest charge after 18 months: 15.24% – 25.24% (relying in your credit score historical past).
  • Citi Simplicity Card – Gives a 0% rate of interest for 18 months on new purchases, plus a 05 charge on steadiness transfers for that very same 18 months (however 3% steadiness switch payment). Interest charge after the primary 18 months shall be wherever from 16.24% to 26.24% relying in your credit score historical past.
  • Wells Fargo Platinum Visa – Get a 0% charge on purchases for 18 months. 0% APR on steadiness transfers, too (although a 3% steadiness switch payment). Interest charge after 18 months may very well be wherever from 17.74% to as excessive as 27.74%, relying in your credit score historical past.
  • BankAmericard Mastercard – You get a 0% rate of interest on purchases and steadiness transfers for 15 months with this card, and also you pay no steadiness switch payment for those who switch that steadiness within the first 60 days. (Balances transferred after 60 days would have a 3% payment hooked up.) After the 0% interval is over, your rate of interest could also be wherever from 15.24% to 25.24% relying in your credit score historical past.


  • Amex EveryDay Credit Card – Gives a 0% rate of interest on purchases in addition to steadiness transfers for 15 months and NO FEE on steadiness transfers. APR after 15 months: 15.24% to 26.24% relying in your credit score.
  • Chase Slate Visa Credit Card – Gives a 0% rate of interest on purchases AND on steadiness transfers for 15 months. When you do switch a steadiness, you’ll want to achieve this within the first 60 days of getting the cardboard, when there is no such thing as a steadiness switch payment. After these first 60 days, there’s a 5% payment on any balances transferred — for instance, a switch of $1000 would value you $50 in charges. Interest charge after the primary 15 months could also be wherever from 17.24% to 25.99% relying in your credit score historical past.
  • PNC Core Visa – Gives a 0% charge on each purchases and steadiness transfers for 15 months. There’s a 3% steadiness switch payment. Interest charge after 15 months could also be as little as 12.24% but additionally as excessive as 22.24%, relying in your credit score historical past.
  • Blue Cash Everyday from American Express – Gives a zero % rate of interest on purchases in addition to steadiness transfers for 15 months. Steadiness transfers solely qualify for the 0% charge if made inside 60 days of account opening. Interest charge after 15 months shall be wherever from 15.24% to 26.24% relying in your credit score historical past. 3% steadiness switch payment.
  • KeyBank Latitude MasterCard – Gives a 0% rate of interest on each purchases and steadiness transfers for 15 months. 4% steadiness switch payment, although. 12.24% to 22.24% rate of interest after the primary 15 months, relying in your credit score historical past.
  • Fifth Third Bank Truly Simple MasterCard – 0% charge on each purchases and steadiness transfers for 15 months. There’s a 4% payment on steadiness transfers, although. Interest charge after 15 months varies from 14.24% to 25.24% relying in your credit score historical past.
  • Chase Freedom Unlimited – Gives a 0% charge on purchases and steadiness transfers for 15 months, however a 3% steadiness switch payment. Interest charge wherever from 17.24% to 25.99% after 15 months, relying in your credit score historical past.
  • Chase Freedom Credit Card – Gives a 0% rate of interest on purchases AND on steadiness transfers for 15 months. There’s a 3% payment on any balances transferred. Interest charge after the primary 15 months could also be wherever from 17.24% to 25.99% relying in your credit score historical past.
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