Best No Interest Credit Cards of 2020
You can find some credit cards which provides 0% introductory APR for consumers in this page. We made the list with investigation on different 7 facts on those cards. Such as rewards, bonus, duration of introductory APR period. You can check best 10 zero interest credit cards of 2020 that we reviewed in creditcards.center.
This list updated in 10.14.2020
No Interest Credit Cards FAQ
How do 0% or no interest credit cards work?
A 0% or no interest credit card works similar to any other credit card except that for a certain period after you open your account, the bank doesn't charge any interest on your balance. You're still responsible for paying at least the minimum amount due each month.
Why do the credit card issuer offer 0% or no interest credit cards?
Credit card issuers use 0% or no-interest introductory offers to attract new customers. Occasionally, credit card companies will make a 0% offer to existing customers to encourage them to use their credit cards.
What does no interest for 6,12 or 18 months mean?
An offer for 6,12 or 18 months, no interest credit card, means that you won't be charged interest for that specified duration in months on items purchased.
Best No Interest Credit Cards List
No Interest Credit Cards #1: SunTrust Bank Cash Rewards Credit Card
0% APR for 15 Months & 2% Cash Back for Gas and Grocery
SunTrust Bank Cash Rewards Credit Card is one of the best zero interest credit cards with 15 months no APR and rewards opportunities. You don’t have to pay annual fee and foreign transaction fee with this card. Cash Advance and Balance Transfer fees are also good. You can see all rates of the card with clicking on see rates text below.
Credit Card Center Editor Score : 241
Why You Should Get This Card?
The card is promising a long-term no interest period to you. While you are using the card without APR for a long time, you will also get the benefits of high bonus rates and extra bonuses on gas purchase. So the card will be very beneficial for you at long-term usage. This is how SunTrust got the first position in our best no interest credit cards list.
See Rates Regular: 13.24%–23.24% 1x for purchases at all other categories. Bonus: 5% cash back for first $6000 worth gas and grocery purchases. Regular: 13.24%–23.24% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% APR for first 15 Months
2x for gas and grocery purchases.
None
None
$38
4%
26.99%
3%
0% APR for first 15 Months
No Interest Credit Cards #2: Wells Fargo Visa Signature
0% APR for 15 Months & 5x Rewards
Wells Fargo Visa Signature has picked as the best credit card of Wells Fargo by our staff. There are countless opportunities, promotions, travel goods with this card. Besides it is one of the best zero interest credit cards of Wells Fargo. See the table below for more information about the card.
Credit Card Center Editor Score : 239.25
Why You Should Get This Card?
15 months no APR is good opportunity of the card and there is also high bonus rates for the first 6 months. Wells Fargo Visa Signature doesn’t also ask annual fee from consumers.
See Rates Regular: 14.49%-27.99% 5 x rewards points for up to $12,500 on purchases some products. (6 Months) Regular: 5% Regular: 14.49% – 27.99% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 15 months
Regular:1 point
None
3%
$37
$10 or 5%
25.99% – 27.99%
$5 – 3% (first 120 days)
0% APR for first 15 months
No Interest Credit Cards #3: Wells Fargo Rewards Card
0% APR for 15 Months & 5x Rewards
Wells Fargo Rewards Card is very similar product with Visa Signature card of the same company. However interest rates are higher. You can see some advantages of this card in the table below.
Credit Card Center Editor Score: 238.25
Why You Should Get This Card?
This is a similar card with Wells Fargo Signature. However this is asking for more regular interests after 0% APR period.
See Rates Regular: 18.49%-27.99% 5 x rewards points for up to $12,500 on purchases some products. (6 Months) Regular: 5% Regular: 18.49%-27.99% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 15 months
1 point
None
3%
$37
$10 or 5%
25.99% – 27.99%
$5 – 3% (first 120 days)
0% APR for first 15 months
4. Citizens Bank Cash Back Plus World Mastercard
0% APR for 15 Months & 1.8% Cash Back
Citizens Bank Cash Back Plus World Mastercard is providing 1.8% cash back for consumers and it is quite good rate for a 15 months 0% APR credit card. It is one of the best zero interest credit cards in our 2020 list. You can see the credit card rates at the table below.
Credit Card Center Editor Score : 226
Why You Should Get This Card?
As same as first two credit cards, this card is also offering %0 APR for 15 months. The cash back rate of the card is very good and above the average rates. You can gain 1.8% cash back from every purchases. There is also no annual free and no foreign transaction fee for Citizens Bank Cash Back Plus World Mastercard.
See Rates Regular: 16.49%, 20.49% or 24.49% Regular: 16.49%, 20.49% or 24.49% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for first 15 months.
Regular: 1.8% cash back
None
None
$38
$10 or 3%
24.49%
$10 – 4%
0% for first 15 months.
5. Wells Fargo Propel American Express® Card
0% APR for 12 Months & 30.000 Rewards Points
Wells Fargo Propel American Express® Card is coming with good rewards points opportunities. You are not going to pay 12 months APR with the card. There are also 30.000 rewards points available with Wells Fargo Propel American Express® Card. The regular rewards points is 1 in the card but it is 3 for car rental, eating out, ordering in, gas, rideshares, transit, flights, hotels, home stays.
Why You Should Get This Card?
Wells Fargo Propel is an American Express Card and offers several benefits to consumers with this feature. There is a huge bonus for consumers on this card and also there is a good opportunity to get rewards from multiple purchase categories. 0% APR for 12 months is another upsides of the card.
Credit Card Center Editor Score: 214.25
Why You Should Get This Card?
Actually Wells Fargo Propel is a good card with
See Rates 14.49% – 26.99% 30000 Rewards points are available as sign-up bonus. Regular: 5% Regular: 14.49% – 26.99% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 12 months
1 – 3 points
None
3%
$37
$10 or 5%
25.99% – 27.99%
$5 – 3% (first 120 days)
0% APR for first 25 months
6. Chase Freedom Credit Card
5x Rewards Points & 15 Months No APR
Chase Freedom Credit Card is providing 5% cash back for consumers for each quarters of the year. You will need to pick a purchase category at every quarter. There is no annual fee of the card. This is also a zero interest credit card for 15 months.
Credit Card Center Editor Score : 223
See Rates Regular: 16.99% – 25.74% 5% cash back for purchase categories that you select each quarter. Limit: $1500. Regular: 16.99% – 25.74% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for first 15 months.
1% Cash Back Unlimited
None
3%
$10 or 5%
26.99%
$5 – 5%
0% for first 15 months.
7. Citizens Bank Clear Value Mastercard
0% APR for 18 Months & No Annual Fee
Citizens Bank Clear Value Mastercard providing 0% APR for 18 months for consumers. There is also no annual fee of the card. Balance transfer and cash advance fees of the card is very good. You can see rates of the card below.
Credit Card Center Editor Score : 222
See Rates Regular: 14.49%, 18.49% or 22.49% Regular: 14.49%, 18.49% or 22.49% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 18 months
None
None
3%
$38
$10 or 3%
24.49%
$10 or 3%
0% APR for first 18 months
8. Wells Fargo Platinum Card
0% APR for 18 Months!! No Annual Fee!
Wells Fargo Platinum Card is good for those who doesn’t want to pay APR for a long time. There is 18 months deadline to pay APR with this card. You will not pay any interest rate during this period. However other features of the card are not attracting to consumers. The card has no any good promotions and there are no bonus points & rewards with this card.
Credit Card Center Editor Score : 220
See Rates Regular: 13.49%-26.99% Regular: 5% Regular: 13.49%-26.99% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 18 months
None
None
3%
$37
$10 or 5%
25.99% – 27.99%
$5 – 3% (first 120 days)
0% APR for first 18 months
9. Chase Freedom Unlimited Credit Card
0% APR for 15 Months & 1.5% Unlimited Cash Back
Chase Freedom Unlimited Credit Card providing 1.5% unlimited cash back for consumers. This is already another zero interest credit cards of Chase. You can use the card with 0% APR for 15 months. Then APR is going to be as we have shown rates below.
Credit Card Center Editor Score : 216
See Rates Regular: 14.49%, 18.49% or 22.49% Regular: 3 Rewards Points to Gas Purchases 2 Rewards Points to Travel and Dining Purchases 1 Rewards Points to all purchases at other categories 25% more redeem value at air travel purchases from PointQuest Rewards. Regular: 14.49%, 18.49% or 22.49% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for first 12 months.
5000 rewards points bonus for first $1000 purchase.
None
None
$37
$10 or 4%
23.99%
$10 – 3%
0% for first 12 months.
10. Regions Premium Visa
0% APR for 12 Months & 30000 Rewards Points + Low APR
Regions Premium Visa can be a good opportunity for you if you don’t want to pay much for fees, interest rates. You will also earn 30000 sign-up bonus with the card and you will earn 1.5 rewards points for your each $1 purchases. Cash Advance and Balance Transfer fees are also very good.
Credit Card Center Editor Score : 211
See Rates Regular: 13.99% 30.000 points Sign-Up Reward. Regular: 13.99% FTF: Foreign Transaction Fee Close Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 12 months
1.5 points
$125
None
$38
$10 or 4%
18.99%
$10 – 4%
0% APR for first 12 months
