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Finding the best No interest Credit Cards Online

Our Featured Card
NFL Extra Points Credit Card
Click to see Credit Card details
  • Key Feature: Get Your Teams Logo.
    No annual Fee, Rewards, and 0% Intro APR
  • Purchase APR:13.74% - 22.74% (Variable)
  • Annual Fees:$0
Apply Now

Our #1 Priority is finding Your best credit card application!

Quickly compare the best interest free credit cards online.

In the constant competition to gain more customers, credit card issuers have begun to release increasingly enticing credit card offers to new account holders. One of the most attractive offers available with several different cards is an introductory 0% APR. More...

 
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Discover it®
Discover it®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% (V)* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • 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%. *Click apply for Terms & Conditions.
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% (V)* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #1 Discov ...
Credit Needed:   Excellent
  • 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%. *Click apply for Terms & Conditions.
 
CCA In-House Review & more info
Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 10.9% - 18.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 MasterCard, #2 Low In ...
Credit Needed:   Excellent
  • 0% intro APR until August 2014 on balance transfers
  • 0% intro APR until August 2014 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
 
CCA In-House Review & more info
Capital One® VentureOneSM Rewards Credit Card
Capital One® VentureOne<sup>SM</sup> Rewards Credit Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 11.9% - 19.9% (V) $0
Type: Low Interest, 0% APR, Rew ...
Rank: #1 Capital One, #1 Visa, ...
Credit Needed:   Excellent
  • 1.25 miles per dollar on every purchase, every day and no annual fee
  • One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals, and more
  • No limit on the miles you can earn and miles don't expire
  • Fly on any airline, any time with no blackout dates
  • 0% intro APR on purchases until May 2014
  • No foreign transaction fees
 
CCA In-House Review & more info
Citi Simplicity® Card
Citi Simplicity® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99% - 21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #2 Citi , #3 Low Interes ...
Credit Needed:   Excellent
  • 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.
 
CCA In-House Review & more info
Capital One® Cash Rewards
Capital One® Cash Rewards

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 12.9% - 20.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Points Rewards , #3 C ...
Credit Needed:   Excellent
  • $100 bonus after you spend $500 on purchases within the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until May 2014
 
CCA In-House Review & more info
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0%* 11.99%-21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #3 Citi , #5 Credit Qual ...
Credit Needed:   Excellent
  • 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*
 
CCA In-House Review & more info
Citi Simplicity® Card
Citi Simplicity® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99% - 21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #1 Citi , #6 MasterCard, ...
Credit Needed:   Excellent
  • 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.
 
CCA In-House Review & more info
NFL Extra Points Credit Card
NFL Extra Points Credit Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 13.74% - 22.74% (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #8 Points Rewards , #9 C ...
Credit Needed:   Excellent
  • All 32 teams and NFL Shield card available
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
 
CCA In-House Review & more info
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While cardholders cannot expect accounts to remain interest free, a low or non-existent introductory rate buys them time to pay down their debt without accumulating hefty finance charges. Applicants should remember to shop wisely for any type of charge account, and interested consumers can further educate themselves by visiting the Federal Reserve Board Website to access an informative consumer-lending handbook.

Selecting a 0% APR Credit Card

Qualifying for a credit card that offers an introductory 0% APR usually entails having an excellent credit rating. As a holder of an excellent credit rating, you should be judicious in making sure that you’re applying for one of the best credit card offers online.

After all, credit card issuers are competing for you, not the other way around. Each of the cards listed above has an introductory 0% APR rate ranging from six to eighteen months, but it is important to understand all of the many different factors associated with the account. When comparing no-interest merchant accounts, you should find out answers to the following questions:

  • Is the introductory APR applicable to balance transfers and purchases?
  • Does a fee apply to balance transfers?
  • How long does the introductory rate last?
  • What is the interest rate after the 0 percent offer expires?
  • What happens to the interest rate if you miss or are late on a payment?

What are the trade-offs to a no interest card?

Most of the time, when credit card issuers give something away they get something back. Your no interest credit card may well come with higher fees or reduced benefits.

Before you apply for a credit card, consider what you may be giving up:

  • How much are the fees, annual and otherwise?
  • Does the issuer offer premium rewards programs?
  • Do the rewards benefits offset applicable interest rates?
  • What are the caps on rewards or cash-back programs?
  • Do you sacrifice other features such as customer service itemized statements?

Because finding out the answers to those questions can be trickier than you think, here at CreditCardApplications.com, we provide consumers with a list of those cards with 0 percent (no interest) introductory options on the market today, including information about each card's post-introductory APR, annual-fee structure, and reviewer ratings. Luckily, with cards from Capital One, Citi, Chase, and Discover, we have some of the best 0% APR credit card deals online.

Always consider the big picture before you apply for credit cards.

When you apply for credit cards, it can be a mistake to consider only the Introductory APR. Sooner of later, your low interest rate will go up. Consider the long-term costs of each credit card offer as well as the benefits.

Your best credit card application is the one that saves you money in the long-haul.

To find your best credit card, check the numbers.

Reading about the benefits of different credit card programs is great and most benefits sound appealing. The best way to know for sure that you’ve found your perfect credit card is to check the numbers. To learn how to put a dollar amount on the costs and benefits, see our news article: To get your best credit card application, do the math!

Don’t pigeonhole yourself. While an introductory Interest Free credit card deal can be a great offer, there are many different types of cards available. Unless you’re absolutely sure that this type of card is the best for you, take your time to look around. With hundreds of different options, our site has the best credit card deals online, so you can be assured of finding something that suits you.

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