RedditBenefits of 0% Interest Cards
If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later. Credit cards with 0% introductory interest allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees. If you are short of cash for an expensive purchase, you can open a new credit card to enjoy the buying power now. After that, you can just make monthly minimum payments each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, you can afford the purchase and save money by paying no interest for a long time.
Best 0% Interest Cards for People who have Good Credit
Choose from one of the following credit cards that offer 0% on purchases. All these credit cards are for people who have good or excellent credit rating. If you have a credit score of 700 or above, you may qualify for these offers. All these credit cards have no annual fee.
0% Interest for 18 Months or Longer
| 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 (rates & fees) | $0 |
 | Citi Double Cash® Card | 0% on balance transfers for 18 months (rates & fees) | $0 |
0% Interest for 15 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Active Cash® Card | 0% on purchases and qualifying balance transfers for 15 months from account opening (rates & fees) | $0 |
 | Bank of America® Customized Cash Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. | $0 |
 | Bank of America® Unlimited Cash Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. | $0 |
 | Citi Custom Cash® Card | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 |
 | Citi Rewards+® Card | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 |
 | Bank of America® Travel Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. | $0 |
 | Chase Freedom Unlimited® | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies. | $0 |
 | Blue Cash Everyday® Card from American Express | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 (fees) |
 | USAA Preferred Cash Rewards Credit Card | 0% on purchases for 15 months (rates & fees) | $0 (fees) |
 | USAA Rate Advantage Credit Card | 0% on balance transfers for 15 months (rates & fees) | $0 (fees) |
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 (rates & fees) | $0 intro annual fee for the first year, then $95. (fees) |
 | Ink Business Unlimited® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies. | $0 |
 | Ink Business Cash® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies. | $0 |
