Top 6 Best 0 Interest Credit Cards | 2017 Ranking | Top No-Interest, 0% Purchase, 0 Percent Credit Cards (Reviews)

2017 RANKING & REVIEWS
TOP RANKING BEST 0 INTEREST CREDIT CARDS

Finding the Best No-Interest Credit Cards Saves Real Money

Everybody wants credit, but nobody wants high-interest rates. The largest downfall to using credit cards is the high interest that makes it difficult to pay off your balance. This is why finding the best 0 interest credit cards is so important.

Award Emblem: Top 6 Best Zero Interest Credit Cards

To help with this process, we have created this 2017 guide to the top credit cards with no interest on purchases. And we are here to help you find not only the best 0 purchase credit cards but also those credit cards with 0 interest that offer other special features, including:

0 interest credit cards with cashback or rewards
No-interest credit cards with low APR rates after the introductory period
Best no-interest credit cards for balance transfers
And more

If you are in the market for one of the best 0 interest credit cards, look no further than our guide. You will be on your way toward saving real money and paying off your credit card balance quickly.

Who Are the Best 0 Interest Credit Cards for?

These 0 purchase credit cards are a must for people who know they will carry a balance from month to month on their credit cards.

When you carry a balance, you will be charged an annual percentage rate (APR) on whatever amount you have not paid off. These rates can be extremely high and make it hard to pay off your balance.

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This is why finding one of the best 0 interest credit cards is so important for those who keep a balance on their credit card. You only pay toward the balance each month instead of toward interest.

While there may be better cards than the no-interest credit card offers that offer incredible cashback deals or travel rewards, these cards often come with higher APR ranges to compensate for the perks. They are best for people who know with certainty that they will pay off their balance each month.

AdvisoryHQ’s List of the Top 6 Best 0 Purchase Credit Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):

BB&T Bright® Card
Chase Freedom® Credit Card
Chase Slate® Credit Card
Citi Simplicity® Card
HSBC Platinum MasterCard® Credit Card
Wells Fargo Rewards® Card

Top 6 Best No-Interest Credit Cards | Brief Comparison & Ranking

No Interest Credit Cards	0% APR Introductory Offer Length	APR After Introductory Rate	Annual Fee
BB&T Bright® Card	15 months	8.40 – 17.40%	NONE
Chase Freedom® Credit Card	15 months	14.24 – 23.24%	NONE
Chase Slate® Credit Card	15 months	13.24 – 23.24%	NONE
Citi Simplicity® Card	21 months	13.24 – 23.24%	NONE
HSBC Platinum MasterCard® Credit Card	18 months	13.24 – 23.24%	NONE
Wells Fargo Rewards® Card	15 months	12.40 – 26.24%	NONE

Table: Top 6 Best 0 Interest Credit Cards | Above list is sorted alphabetically

Is There Really Such a Thing as No-Interest Credit Card Offers?

It may seem like finding credit cards with no interest is too good to be true. But while you won’t be finding any 0 interest credit cards that stay that way for years and years, you can use the best 0 purchase credit cards for quite a few months, maybe even a year.

This is how it works: credit card companies make their money off your fees and interest payments. They want as many people to open cards as they can, so they will give you an incentive to open a card.

With that 0 percent credit card offer for a certain number of months, you will be more likely to purchase that large item (or a number of items) in hopes of paying it off by the end of the introductory APR. The credit card companies hope, of course, that you do not pay off your 0 purchase credit cards.

But if you use the 0 interest credit cards wisely, you can take real advantage of the zero percent without losing with high APR payments later. So no, you may not be able to find no-interest credit cards for 24 months or longer, but you can still use the best 0 interest credit cards for quite some time.

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AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.

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Detailed Review – Top Ranking Best No-Interest Credit Cards

Below, please find the detailed review of each credit card on our list of 0 percent credit cards. We have highlighted some of the factors that allowed these no-interest credit card offers to score so highly in our selection ranking.

BB&T Bright® Card Review

The first card on our list for the best 0 interest credit cards is the BB&T Bright® Card. What makes this one of the top no-interest credit card offers is that you get 0% interest for 15 months, then a very low APR range after the introductory period.

With this BB&T card, it is possible to get an APR as low as the single digits (8.40%). Of course, the rate on this 0 percent credit card depends upon your creditworthiness. But for those who may not finish paying off their balance by the end of the no-interest credit card offers, you cannot beat this APR range.

Best 0 Purchase Credit Cards #1: The Other Highlights

Zero fraud liability
Travel assistance and accident insurance
Easy 24/7 access to online banking
Access to automatic bill payments

Chase Freedom® Credit Card Review

When it comes to the best no-interest credit cards, sometimes you are looking for more than just free interest. With the Chase Freedom® Credit Card, you get a 0 percent credit card for 15 months, but you also get a great cash back program.

All of your regular purchases through the Chase Freedom® card will earn you 1% cashback. But with this 0 percent credit card you can also earn 5% cashback on up to $1,500 within the special categories each quarter. This makes it one of the top credit cards with 0 interest for earning money.

Best 0 Purchase Credit Cards #2: The Other Highlights

Reward redemption flexibility
$150 cashback when you spend $500 within the first 3 months of opening your account
Zero liability protection
Extended warranty protection

Chase Slate® Credit Card Review

Next up on our list of the best 0 interest credit cards is the Chase Slate® Credit Card. Not only will you get the advantage of choosing one of the credit cards with 0 interest for 15 months, but you also get a great deal when it comes to balance transfers.

The APR of these no-interest credit cards, 0% for 15 months, extends to balance transfers, too. Also, as long as you make the balance transfer within 60 days, you will not even have to pay any fees. If you want to make a balance transfer, Chase Slate® is the right 0 percent credit card for you.

Best 0 Purchase Credit Cards #3: The Other Highlights

Monthly free FICO score
No APR penalty (late payments will not raise your rates)
Zero liability protection
Embedded chip for security

Citi Simplicity® Card Review

Without a doubt, the card with the longest introductory offer on our list of the best no-interest credit cards is the Citi Simplicity® Card. This card offers 0% interest for 21 months, the closest to no-interest credit cards for 24 months that you can get.

Considering many credit cards do not even offer a 0% APR introductory offer, and those that do often offer that deal for 12 to 15 months, having nearly two years at 0% with this 0 percent credit card makes it one of the most incredible credit cards with no interest you could apply for.

Best 0 Purchase Credit Cards #4: The Other Highlights

No late fees
No APR penalty
No annual fee
Easy access to customer service

HSBC Platinum MasterCard® Credit Card Review

The next card on our list of the best 0 interest credit cards has the next best introductory offer, right after the above Citi card. When it comes to 0 interest credit cards, the HSBC Platinum MasterCard® Credit Card offers 0% APR for 18 months.

The long, 18-month introductory APR rate from these credit cards with 0 interest applies toward balance transfers, too, though you will still have to pay an initial 4% fee. Still, the length makes this one of the top 0 percent credit cards on the market.

Best 0 Purchase Credit Cards #5: The Other Highlights

Other family members can get free copies of the card
No foreign transaction fee
Roadside assistance
No liability on any unauthorized purchase

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Wells Fargo Rewards® Card Review

Last up on our list of the best no-interest credit cards is one of the top options if you want 0 purchase credit cards with rewards. The Wells Fargo Rewards® Card will give you 15 months of no interest, plus you can earn rewards points at the same time.

Most purchases with these 0 percent credit cards can earn you 1 point. The purchases you make for the first six months with these credit cards with 0 interest on gas, grocery, and drugstore will make you 5 times the points. This is a great way to earn travel rewards or gift cards as you take advantage of the no-interest credit card offers.

Best 0 Purchase Credit Cards #6: The Other Highlights

Reward point flexibility
Auto rental damage waiver
Travel accident insurance
Roadside dispatch

Conclusion – Top 6 Best 0 Purchase Credit Cards

Now that we have gone over the top 6 best 0 interest credit cards for 2107, it is now time for you to decide which credit cards with no interest will work for you and your finances.

To choose the best no-interest credit cards, start by asking yourself questions such as:

Will I be able to pay off my balance at the end of the introductory article? If not, then you should choose one of the 0 interest credit cards with a lower APR range.

Do you want to earn travel perks or cash along with your 0 interest? Then you should choose one of the no-interest credit cards with rewards or cash back policies.

Do you need to do a balance transfer? Then you should choose one of the best no-interest credit cards that also give balance transfer perks.

Do you think it will take you a while to pay off your balance? Then you should choose one of the top 0 percent credit cards with a long 0% introductory rate.

While it may not be feasible to get many no interest credit cards for 24 months, you can still benefit from 0% for quite some time. Before you know it, you will have chosen the best no-interest credit cards for yourself and your money needs for 2017.

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.