2017 RANKING & REVIEWS
TOP RANKING BEST 0 INTEREST CREDIT CARDS


Finding the Best No-Interest Credit Cards Saves Real Money

Everybody wants credit, but nobody wants high interest rates. The largest downfall to using credit cards is the high interest that makes it difficult to pay off your balance. This is why finding the best 0 interest credit cards is so important.

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Award Emblem: Top 6 Best Zero Interest Credit Cards

To help with this process, we have created this 2017 guide to the top credit cards with no interest on purchases. And we are here to help you find not only the best 0 purchase credit cards, but also those credit cards with 0 interest that offer other special features, including:

  • 0 interest credit cards with cash back or rewards
  • No-interest credit cards with low APR rates after the introductory period
  • Best no-interest credit cards for balance transfers
  • And more

If you are in the market for one of the best 0 interest credit cards, look no further than our guide. You will be on your way toward saving real money and paying off your credit card balance quickly.

See Also: Top Commerce Bank Credit Cards | Reviews | Commerce Bank Rewards, Secured, Business Cards


Who Are the Best 0 Interest Credit Cards for?

These 0 purchase credit cards are a must for people who know they will carry a balance from month to month on their credit cards.

When you carry a balance, you will be charged an annual percentage rate (APR) on whatever amount you have not paid off. These rates can be extremely high and make it hard to pay off your balance.

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Photo Courtesy of: Creative Commons

This is why finding one of the best 0 interest credit cards is so important for those who keep a balance on their credit card. You only pay toward the balance each month instead of toward interest.

While there may be better cards than the no-interest credit card offers that offer incredible cash back deals or travel rewards, these cards often come with higher APR ranges to compensate for the perks. They are best for people who know with certainty that they will pay off their balance each month.



AdvisoryHQ’s List of the Top 6 Best 0 Purchase Credit Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):


Top 6 Best No-Interest Credit Cards | Brief Comparison & Ranking

No Interest Credit Cards

0% APR Introductory Offer Length

APR After Introductory Rate

Annual
Fee

BB&T Bright® Card

15 months

8.40 – 17.40%

NONE

Chase Freedom® Credit Card

15 months

14.24 – 23.24%

NONE

Chase Slate® Credit Card

15 months

13.24 – 23.24%

NONE

Citi Simplicity® Card

21 months

13.24 – 23.24%

NONE

HSBC Platinum MasterCard® Credit Card

18 months

13.24 – 23.24%

NONE

Wells Fargo Rewards® Card

15 months

12.40 – 26.24%

NONE

Table: Top 6 Best 0 Interest Credit Cards | Above list is sorted alphabetically



Is There Really Such a Thing as No-Interest Credit Card Offers?

It may seem like finding credit cards with no interest is too good to be true. But while you won’t be finding any 0 interest credit cards that stay that way for years and years, you can use the best 0 purchase credit cards for quite a few months, maybe even a year.

This is how it works: credit card companies make their money off your fees and interest payments. They want as many people to open cards as they can, so they will give you an incentive to open a card.

With that 0 percent credit card offer for a certain number of months, you will be more likely to purchase that large item (or number of items) in hopes of paying it off by the end of the introductory APR. The credit card companies hope, of course, that you do not pay off your 0 purchase credit cards.

But if you use the 0 interest credit cards wisely, you can take real advantage of the zero percent without losing with high APR payments later. So no, you may not be able to find no-interest credit cards for 24 months or longer, but you can still use the best 0 interest credit cards for quite some time.



AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.

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Detailed Review – Top Ranking Best No-Interest Credit Cards

Below, please find the detailed review of each credit card on our list of 0 percent credit cards. We have highlighted some of the factors that allowed these no-interest credit card offers to score so highly in our selection ranking.



BB&T Bright® Card Review


First card on our list for the best 0 interest credit cards is the BB&T Bright® Card. What makes this one of the top no-interest credit card offers is that you get 0% interest for 15 months, then a very low APR range after the introductory period.

With this BB&T card, it is possible to get an APR as low as the single digits (8.40%). Of course, the rate on this 0 percent credit card depends upon your creditworthiness. But for those who may not finish paying off their balance by the end of the no-interest credit card offers, you cannot beat this APR range.

Best 0 Purchase Credit Cards #1: The Other Highlights

  • Zero fraud liability
  • Travel assistance and accident insurance
  • Easy 24/7 access to online banking 
  • Access to automatic bill payments


Chase Freedom® Credit Card Review


When it comes to the best no-interest credit cards, sometimes you are looking for more than just free interest. With the Chase Freedom® Credit Card, you get a 0 percent credit card for 15 months, but you also get a great cash back program.

All of your regular purchases through the Chase Freedom® card will earn you 1% cash back. But with this 0 percent credit card you can also earn 5% cash back on up to $1,500 within the special categories each quarter. This makes it one of the top credit cards with 0 interest for earning money.

Best 0 Purchase Credit Cards #2: The Other Highlights

  • Reward redemption flexibility
  • $150 cash back when you spend $500 within the first 3 months of opening your account
  • Zero liability protection 
  • Extended warranty protection


Chase Slate® Credit Card Review


Next up on our list of the best 0 interest credit cards is the Chase Slate® Credit Card. Not only will you get the advantage of choosing one of the credit cards with 0 interest for 15 months, you also get a great deal when it comes to balance transfers.

The APR of these no interest credit cards, 0% for 15 months, extends to balance transfers, too. Also, as long as you make the balance transfer within 60 days, you will not even have to pay any fees. If you want to make a balance transfer, Chase Slate® is the right 0 percent credit card for you.

Best 0 Purchase Credit Cards #3: The Other Highlights

  • Monthly free FICO score
  • No APR penalty (late payments will not raise your rates)
  • Zero liability protection
  • Embedded chip for security

Related: Top Cash Rewards Credit Card Offers | Ranking | Best Cash Back Rewards & Money Back Credit Cards



Citi Simplicity® Card Review


Without a doubt, the card with the longest introductory offer on our list of the best no-interest credit cards is the Citi Simplicity® Card. This card offers 0% interest for 21 months, the closest to no-interest credit cards for 24 months that you can get.

Considering many credit cards do not even offer a 0% APR introductory offer, and those that do often offer that deal for 12 to 15 months, having nearly two years at 0% with this 0 percent credit card  makes it one of the most incredible credit cards with no interest you could apply for.

Best 0 Purchase Credit Cards #4: The Other Highlights

  • No late fees
  • No APR penalty
  • No annual fee 
  • Easy access to customer service


HSBC Platinum MasterCard® Credit Card Review


The next card on our list of the best 0 interest credit cards has the next best introductory offer, right after the above Citi card. When it comes to 0 interest credit cards, the HSBC Platinum MasterCard® Credit Card offers 0% APR for 18 months.

The long, 18-month introductory APR rate from these credit cards with 0 interest applies toward balance transfers, too, though you will still have to pay an initial 4% fee. Still, the length makes this one of the top 0 percent credit cards on the market.

Best 0 Purchase Credit Cards #5: The Other Highlights

  • Other family members can get free copies of the card
  • No foreign transaction fee
  • Roadside assistance
  • No liability on any unauthorized purchase

Popular Article: Top 0 Balance Transfer Credit Cards | Ranking & Reviews | 0 APR Credit Card Balance Transfer Fee


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 Wells Fargo Rewards® Card Review


Last up on our list of the best no-interest credit cards is one of the top options if you want 0 purchase credit cards with rewards. The Wells Fargo Rewards® Card will give you 15 months of no interest, plus you can earn rewards points at the same time.

Most purchases with these 0 percent credit cards can earn you 1 point. The purchases you make for the first six months with these credit cards with 0 interest on gas, grocery, and drugstore will make you 5 times the points. This is a great way to earn travel rewards or gift cards as you take advantage of the no-interest credit card offers.

Best 0 Purchase Credit Cards #6: The Other Highlights

  • Reward point flexibility
  • Auto rental damage waiver
  • Travel accident insurance
  • Roadside dispatch

Conclusion – Top 6 Best 0 Purchase Credit Cards

Now that we have gone over the top 6 best 0 interest credit cards for 2107, it is now time for you to decide which credit cards with no interest will work for you and your finances.

To choose the best no-interest credit cards, start by asking yourself questions such as:

  • Will I be able to pay off my balance at the end of the introductory article? If not, then you should choose one of the 0 interest credit cards with a lower APR range.
  • Do you want to earn travel perks or cash along with your 0 interest? Then you should choose one of the no-interest credit cards with rewards or cash back policies.
  • Do you need to do a balance transfer? Then you should choose one of the best no-interest credit cards that also give balance transfer perks.
  • Do you think it will take you a while to pay off your balance? Then you should choose one of the top 0 percent credit cards with a long 0% introductory rate.

While it may not be feasible to get many no interest credit cards for 24 months, you can still benefit from 0% for quite some time. Before you know it, you will have chosen the best no-interest credit cards for yourself and your money needs for 2017.

Read More: Top MasterCard Credit Cards | Ranking | MasterCard Rewards, Cash Back, Benefits and Offers



AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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