Best No Interest Credit Cards This Month
A new credit card can be enticing for many reason. Often here on the site I write about cards offering big welcome bonuses. But there are other cards that offer a different type of incentive. A credit card with low-interest or no interest at all for a certain number of months can save you money by reducing the cost of debt. When you’re paying less in interest, you can pay it back more quickly. Clearly a card with a 0% intro APR period will save you the most on interest in the short term. You can often find an introductory interest-free period of a year or more in several cards. This is a list of the best no interest credit cards this month. I have included cards that also offer some kind of welcome bonus and an option for small businesses.
HSBC Gold Mastercard
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Introductory Rates
- 0% intro APR on purchases for 18 months
- 0% intro APR on balance transfers for 18 months. Balance Transfers must be posted within the first 60 days.
- Fee of either $10 or 4%, whichever is greater, will apply on each balance transfers.
Other Details
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Amex EveryDay Credit Card
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Introductory Rates
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months. Balance Transfers must be posted within the first 60 days.
- $0 balance transfer fee within 60 days of account opening.
Other Details
- Earn 10K Membership Rewards points after $1,000 in purchases in your first 3 months
- 2x at US supermarkets on up to $6,000 per year, plus 20% bonus when you make 20 purchases a month
- No annual fee
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Capital One® Quicksilver® Cash Rewards
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Introductory Rates
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- 3% transferred balance fee during the first 15 months
Other Details
- One-time $150 welcome bonus after you spend $500 on purchases within 3 months from account opening
- Unlimited 1.5% Cash Back on every purchase
- No annual fee
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Wells Fargo Cash Wise
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Introductory Rates
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- Introductory fee of either $5 or 3% of the amount of each balance transfer during the first 120 days
Other Details
- One-time $150 Cash Rewards bonus after you spend $500 on purchases within 3 months from account opening
- Unlimited 1.5% Cash Rewards on every purchase
- Use digital wallet purchases, like Apple Pay or Google Pay, to earn 1.5% Cash Rewards during the first 12 months from account opening
- No annual fee
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Capital One SavorOne
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Introductory Rates
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- 3% fee on the amounts transferred within the first 15 months
Other Details
- One-time $150 welcome bonus after you spend $500 on purchases within 3 months from account opening
- Unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% everywhere else
- No annual fee
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Chase Freedom Unlimited
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Introductory Rates
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- 3% intro balance transfer fee when you transfer a balance during the first 60 days, with a minimum of $5. The fee for future balance transfers is 5% of the amount transferred, with a minimum of $5.
Other Details
- One-time $200 welcome bonus after you spend $500 on purchases within 3 months from account opening
- Unlimited 1.5% cash back on all purchases.
- No annual fee
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Discover it
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Introductory Rates
- 0% intro APR on balance transfers for 14 months
- 0% intro APR on balance transfers for 14 months from date of first transfer, for transfers under this offer that post to your account by June 10, 2020.
- Intro fee of 3% for transfers that post to your account by June 10, 2020. After that, 5% of the amount of each transfer.
Other Details
- $50 statement credit after making a purchase within three months of account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. Unlimited 1% cash back on all other purchases.
- No annual fee
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Chase Slate
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Introductory Rates
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months. Balance Transfers must be posted within the first 60 days.
- $0 balance transfer fee within 60 days of account opening.
Other Details
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Chase Ink for Business Cash
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Introductory Rates
- 0% intro APR on purchases for 12 months
Other Details
- $500 welcome bonus after you spend $3,000 on purchases in the first 3 months after account opening
- Earn 1.5% Cash Back rewards on every purchase made for your business.
- No annual fee
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