No credit card offers a 0% interest rate forever, but many cards will start you out at 0% and let you carry a balance with no interest for a good long time. (Just make sure you have it paid off before the zero percent period ends.) Here are the best no-annual-fee credit cards that offer a 0% introductory interest rate on your new purchases:

0% for 20 months/billing cycles

  • US Bank Visa Platinum Card – 0% interest rate on new purchases for the first 20 billing cycles. Note that the card does not offer any rewards program.

0% for 18 months/billing cycles

  • BankAmericard – 0% interest rate on new purchases for the first 18 billing cycles. While that is a strong offer, note that the card does not have any sort of rewards program.
  • Citi Simplicity Card – 0% interest rate on new purchases for the first 18 months. Does not offer rewards.
  • Citi Diamond Preferred Card – 0% interest rate on new purchases for the first 18 months. Does not offer rewards.
  • Wells Fargo Platinum Visa – 0% interest rate on new purchases for the first 18 months. No rewards.



0% for 15 months/billing cycles

  • Wells Fargo Active Cash – 0% introductory interest rate on new purchases for 15 months from the date of account opening. In terms of rewards, you’ll earn 2% cash back on every purchase made with this card.
  • Citi Custom Cash Card – 0% introductory interest rate on new purchases for 15 months from the date of account opening. This cash back credit card also gives you a 5% rebate in one purchasing category where you spend the most each month (on up to $500 in purchases in highest category). All other purchases get 1% cash back.
  • Capital One SavorOne Rewards – 0% interest rate on new purchases for 15 months from the date of account opening. Offers cash back rewards, including 3% cash back on grocery store purchases, dining, entertainment, and most streaming services. Everywhere else you’ll get 1% back.
  • Chase Freedom Unlimited – 0% introductory interest rate on new purchases for 15 months from the date of account opening. This cash back credit card also gives you a 3% rebate at restaurants and drug stores, 5% on travel through Chase’s Ultimate Rewards travel portal, and 1.5% back everywhere else.
  • Chase Freedom Flex – 0% introductory interest rate on new purchases for 15 months from the date of account opening. This cash back credit card also gives you a 5% rebate in certain purchasing categories that change each calendar quarter, 3% rebate at restaurants and drug stores, 5% on travel through Chase’s Ultimate Rewards travel portal, and 1% back everywhere else.
  • Bank of America Customized Cash Rewards – 0% interest rate on your card purchases for 15 billing cycles. Also offers cash-back rewards: 3% in a purchasing category of your choice (from a list that Bank of America provides), 2% at grocery stores and wholesale clubs, and 1% everywhere else. Note that some of the reward categories have “caps” — once you’ve spent a certain amount, the cash-back rate decreases to 1% on further purchases. Click through on the link for those details.
  • Blue Cash Everyday from American Express – 0% interest rate on new purchases for 15 months from the date of account opening. Also offers a reward of 3% cash back at U.S. supermarkets (on up to $6000 in supermarket purchases), 2% at U.S. gas stations, 2% at certain department stores, and 1% everywhere else.
  • Citi Rewards+ Card – Zero percent introductory interest rate on new purchases for 15 months from the date of account opening. Also offers a unique points reward formula on purchases; see site for details.
  • American Express Cash Magnet – 0% interest rate on new purchases for 15 months from the date of account opening. This card also offers a reward of 1.5% cash back on every purchase you make with the card.
  • Bank of America Unlimited Cash Rewards – 0% interest rate on new purchases for the first 15 billing cycles. This card also offers a reward of 1.5% cash back on every purchase you make with the card.
  • Capital One Quicksilver Rewards – 0% interest rate on new purchases for 15 months from the date of account opening. This card also offers a reward of 1.5% cash back on every purchase you make with the card.
  • Amex EveryDay – 0% interest rate on new purchases for 15 months from the date of account opening. Also offers points in the American Express Membership Rewards program: 2 points per dollar at U.S. supermarkets and 1 point everywhere else. (You can boost those points earned by 20% if you use the card at least 20 times during a billing period.