The 7 Best 0% Credit Cards of 2019

It's a smart idea to sign up for one of these cards

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The below content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.

The interest expense on credit cards can make it difficult to pay off a large balance. On rewards credit cards, interest negates the benefit of the rewards you’ve earned. Fortunately, many credit card issuers offer 0% credit cards that allow you to pay no interest on purchases or balance transfers or both. The best 0% credit cards have longer balance periods, no fee on balance transfers or offer the promotional rate to both balance transfers and purchases. You’ll find a few of each type on our list of the best 0% credit cards which includes:

  • Best With No Balance Transfer Fee: Chase Slate
  • Best for No Late Fees: Citi Simplicity
  • Best for Grocery Rewards: BlueCash Everyday Card from American Express
  • Best Customer Service: Discover it
  • Best for Travel Rewards: CapitalOne VentureOne
  • Best for Low Interest Rate After Promotion: U.S. Bank Platinum Visa Card
  • Best for Students: Bank of America Travel Rewards for Students

In addition to the promotional rate, a few of the best 0% cards also pay rewards on purchases. When you're choosing the best card for you, pay attention to the fees - like the foreign transaction fee if you're using your card for international travel - and extra perks. You can take advantage of these no interest credit cards to pay off a large purchase at no interest or to transfer a high interest rate balance.

01
Best With No Balance Transfer Fee: Chase Slate

Chase Slate
Courtesy of Chase

What we like: Chase Slate doesn't charge a balance transfer fee which is perfect if you're transferring a large balance. You can save hundreds of dollars on the fee alone.

Chase Slate charges no balance transfer fee on balances transferred within the first 60 days of opening your account. Balances transferred after the first 60 days are charged a fee of 5% or $5, whichever is greater.

What we don't like: You may not be eligible for the promotional rate if you have another Chase credit card with a promotional rate.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on Purchases and Balance Transfers for 11 months
  • Ongoing APR: 17.24% to 25.99% variable
  • Balance Transfer Fee: $0 on transfers made in the first 60 days of account opening; after that $5 or 5%
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: 3% of the amount transferred in U.S. dollars
  • Signup Bonus: None Offered

02
Best for No Late Fees: Citi Simplicity

Citi Simplicity Mastercard
Courtesy of Citi

What we like: When you get a good thing, you want it to last for as long as possible. And that’s exactly what you get with the Citi Simplicity – 21 months of no interest on balance transfers and 12 months of no interest on purchases. That’s almost two years with no interest.

There are no late fees, no penalty rate and no annual fee. Another perk: You get to choose your own payment due date so your payment is due at the most convenient time for you and your expenses.

What we don't like: Citi Simplicity doesn't offer the same long promotional rate on purchases.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% for 21 months on balance transfers; 0% for the first 12 months. 
  • Ongoing APR: 16.74% to 26.74% variable.
  • Balance Transfer Fee: $5 or 5% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: 3% of the purchase amount in U.S. dollars.
  • Signup bonus: None offered

03
Best for Grocery Rewards: BlueCash Everyday Card from American Express

BlueCash Everyday Card from American Express
Courtesy of AMEX

What we like: The BlueCash Everyday Card from American Express pays cash rewards on purchases and has a 0% introductory APR on balance transfers and purchases for the first 15 months – with no annual fee.

Get $150 back after spending $1,000 within three months of opening your account. Ongoing, you'll earn 3% cash back at U.S. supermarkets on up to $6,000 per year; 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on everything else.

What we don't like: Balance transfers don’t count toward earning the spending bonus, which can make it hard to take advantage of the balance transfer offer and the signup bonus.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% on purchases for 15 months
  • Ongoing APR: 14.99% to 25.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: 2.7% of the amount after conversion to U.S. dollars
  • Welcome Offer: $150 back after you spend $1,000 on purchases in the first three months

04
Best Customer Service: Discover it

Discover it
Courtesy of Discover

What we like: Discover consistently receives rating and awards for its customer service. That’s just one of the things that makes the Discover it one of the best 0% credit cards. 

On top of the promotional rate, you can also earn rewards on your purchases. Up $1,500 in purchases in certain categories earn 5% rewards. The categories rotate each quarter, often based on seasonal purchases. All other purchases earn 1% cash back. Discover automatically matches cash back at the end of the first year for all new cardholders.

You’ll get a few other perks with the Discover it: A free FICO score each month and the Freeze it on/off switch that allows you to turn on and off access to your card.

What we don't like: The balance transfer fee goes up if the balance transfer posts to your account after November 10, 2019. You must register each quarter to earn rewards at the 5% rate.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% for 14 months on balance transfers and purchases
  • Ongoing APR: 14.24% to 25.24% variable
  • Balance Transfer Fee: 3% of the transfer amount that posts to your account by November 10, 2019; after that 5%
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup bonus: None offered

05
Best for Travel Rewards: CapitalOne VentureOne

CapitalOne VentureOne
Courtesy of Capital One

What we like: The Capital One Venture is a flat-rate travel rewards credit card that offers a 0% interest rate on purchase for the first 12 months of opening your account.

You can also earn rewards on your purchases. Earn an unlimited 1.25 miles per dollar on all purchases you make on your credit card purchases. New cardholders have the opportunity to earn 20,000 bonus miles after you spend $1,000 on your credit card in the first three months of opening your account.

What we don't like: Capital One charges a higher balance transfer fee for balance that are transferred at the promotional rate.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on purchases for 12 months
  • Ongoing APR: 14.24% to 24.24% variable
  • Balance Transfer Fee: 3% of the amount that posts to your account under the promotional rate: none for balance transferred at the regular APR
  • Cash Advance Fee: $10 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: 20,000 points after you spend $1,000 in the first three months

View details about this credit card.

06
Best for Low Interest Rate After Promotion: U.S. Bank Platinum Visa Card

US Bank
Courtesy of US Bank

What we like: The U.S. Bank Platinum Visa Card offers 0% introductory APR on purchases and balance transfers for 18 billing cycles.

The card offers a few other perks. You can choose your own due date and get access to your free TransUnion credit score.

Pay your cell phone bill with your credit card and get free cell phone protection coverage up to $600 in case of damage or theft. Coverage applies to up to three phones and the deductible is only $25. You can use this to supplement your carrier’s insurance or cancel your carrier’s insurance completely and save money on your cell phone bill.

What we don't like: You won't earn any rewards on the purchases you make.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on purchases and balance transfers for 18 billing cycles
  • Ongoing APR: 14.49% to 25.49% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 4% of the cash advance
  • Foreign Purchase Transaction Fee: 3% of the purchase amount
  • Signup Bonus: None offered

07
Best for Students: Bank of America Travel Rewards for Students

Travel Rewards
Courtesy of Bank of America

What we like: The Bank of America Travel Rewards for Student credit card offers 0% introductory interest rate on purchases for the first 12 billing cycles - and students can qualify.

In addition to enjoying interest-free purchases for a year, students who choose the Bank of America Travel Rewards for Students credit card earn travel rewards on purchases as well. Ongoing, students will earn 1.5 points for every dollar spent on purchases. Plus, there’s an opportunity to earn a signup bonus worth $250 towards travel.

Students who also have an active Bank of America checking or savings account can earn a 10% bonus on rewards. Rewards can be redeemed on any airline or hotel purchase at any time. You’ll also have access to your FICO score through Bank of America’s Mobile Banking app or via online banking.

What we don't like: Students just starting out with credit may not have enough credit history to qualify.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on purchases for 12 billing cycles
  • Ongoing APR: 17.24% to 25.24% variable
  • Balance Transfer Fee: $10 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: 25,000 online bonus points after you spend $1,000 in the first 90 days of opening your account.

About Our Reviews

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The above content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.