RedditBenefits of 0% Interest Credit Cards
0% interest credit cards offer a valuable financial tool, particularly when it comes to managing existing debt or making substantial purchases. The 0% introductory interest rate provides a window where you can borrow money without incurring additional interest or fees, given you meet the minimum monthly payment requirements. This strategic approach allows individuals to address their financial needs more effectively, offering a temporary period of relief from the typical costs associated with borrowing money.
Check out the following credit cards offering 0% APR, sorted by the length of introductory periods.
0% Interest for 21 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Reflect® Card | 0% on purchases and qualifying balance transfers for 21 months from account opening (rates & fees) | $0 |
 | Citi® Diamond Preferred® Card | 0% on purchases for 12 months and on qualifying balance transfers for 21 months. After the intro period ends, the go-to rate of 17.49% - 28.24% (variable) applies. (rates & fees) | $0 |
0% Interest for 18 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Citi Double Cash® Card | 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies. (rates & fees) | $0 |
0% Interest for 15 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Citi Custom Cash® Card | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies. (rates & fees) | $0 |
 | Wells Fargo Active Cash® Card | 0% on purchases and qualifying balance transfers for 12 months from account opening (rates & fees) | $0 |
 | Citi Rewards+® Card | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 17.99% - 27.99% (variable) applies. (rates & fees) | $0 |
 | Chase Freedom Unlimited® | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.99% - 28.74% variable applies. | $0 |
 | Blue Cash Everyday® Card from American Express | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 29.49% variable applies. (rates & fees) | $0 |
 | USAA Rate Advantage Credit Card | 0% on balance transfers for 15 months (rates & fees) | $0 (rates & fees) |
 | Mastercard® Titanium Card™ | 0% on balance transfers made in the first 45 days for 15 billing cycles | $195 ($95 for each authorized user added to the account) |
 | Mastercard® Black Card™ | 0% on balance transfers made in the first 45 days for 15 billing cycles | $495 ($195 for each authorized user added to the account) |
0% Interest for 12 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Autograph℠ Card | 0% on purchases for 12 months from account opening (rates & fees) | $0 |
 | Blue Cash Preferred® Card from American Express | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 29.49% variable applies. (rates & fees) | $0 intro annual fee for the first year, then $95. |
Small Business Cards with 0% Interest for 12 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Ink Business Cash® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.99% - 25.99% variable applies. | $0 |
 | Ink Business Unlimited® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.99% - 23.99% variable applies. | $0 |
 | The American Express Blue Business Cash™ Card | 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.74% - 25.74% variable applies. (rates & fees) | $0 |
 | The Blue Business® Plus Credit Card from American Express | 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.74% - 25.74% variable applies. (rates & fees) | $0 |
