Last Updated on December 1, 2022 by Paige
The big advantage of a credit card with zero interest is that you only pay back what you spend. If your cash flow is tight or you tend to carry a balance from one month to the next, this type of credit card can be a great choice.
But there’s a catch: credit cards with zero interest only offer this rate for a limited time, then they flip to a normal APR. The trick is to pay off any debt before you hit that limit. Therefore, it’s best to look for a card that extends the intro period for a long time—which is why our recommended cards offer zero percent anywhere from a year to 20 months.
With the lowest overall long term interest rate in mind, here are the best credit cards with zero interest.
5 Credit Cards That Offer Zero Interest
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This card delivers a double whammy of zero percent interest for the first 15 months and also no annual fee. The Chase Freedom Unlimited card offers 1.5% cash back on all purchases. This means that everything from the cost of your rental car, insurance, and gas to the lunches you buy for on a road trip will put money back in your wallet.
Renting a car? This card provides secondary collision (CDW) insurance.
The HSBC Cash Rewards card boasts 3 percent cashback on top of the zero interest introductory offer. You can enjoy a zero percent APR for 12 months before incurring 15.24, 19.24 or 25.24% percent interest. Card benefits include accidental death or dismemberment coverage of up to $1,000,000 when traveling and no foreign transaction fees while exploring the world.
Renting a car? This card provides secondary MasterRental protection for physical damage and theft to most rental vehicles.
Citi Double Cash offers generous rewards while allowing members to pay down balance transfers. In addition to no annual fee and zero interest for 18 months, this card also keeps things simple. You’ll earn 1 percent cash back on most purchases, plus an extra 1 percent cash back after you pay your monthly bill in a timely manner. This means you can make money while traveling, as well as build your credit. Just keep in mind that after the introductory period, you’ll incur an APR of 16.24 percent to 26.24 percent.
Renting a car? Note that Citibank recently dropped many travel rewards, including car rental insurance, for the vast majority of its cards. If car rental insurance is an important perk for you, then this card is not for you.
This card is a strong option for those wanting to build credit and stay out of debt while traveling. To begin with, you’ll receive a zero interest introductory rate on all purchases and balance transfers for the first 20 billing cycles—a much longer intro period than you with many zero-interest offers. After that, the APR will be determined by a variety of factors, but will stay in the range of 13.99 percent to 23.99 percent. On top of not having to pay an annual fee, you’ll also receive fraud protection, cell phone protection, and free access to your credit score.
Renting a car? You’re covered if your rental car is damaged or stolen while traveling.
The Discover it Cash Back card offers zero percent interest for 14 months. While this introductory time is shorter than some other cards here, the Discover it Cash Back has its benefits. Whether you’re on a cross-country road trip or driving to and from work, you’ll earn 5 percent cash back at the gas station, grocery stores, restaurants, Amazon purchases, and more. Plus, you’ll receive 1 percent cash back on all other purchases for an unlimited amount of time. After the initial rate, you’ll be assigned a variable interest from 14.24 percent to 25.24 percent.
Renting a car? This credit card’s benefits do not include auto rental insurance.