What are the credit cards that have 0% interest?

These cards have a promotion of several months and other benefits.

The 0% annual percentage rate (APR), a promotion offered by some credit cards during the first months, can be a great opportunity to obtain one, although you require a high credit score.

These are the 5 credit cards that have no interest for at least 12 months and with the best benefits for their cardholders.

City Simplicity Card

This card offers you 0% APR for 12 months on new purchases with an annual fee of $0 and for 21 months on balance transfers, although they have a 5% fee, with a minimum payment of $5 dollars to be made, according to WalletHub.

After the promotion period, the APR that this credit card handles is 14.74% – 24.74%, depending on your solvency and that your credit score is the best possible.

Wells Fargo Platinum Card

According to the creditcards.com review, this card might be right for you if you need time to save up a new or transferred balance. It charges you no annual fee and its 0% APR is intended for the first 18 months on qualifying purchases and balance transfers. Subsequently, the card handles a 16.49% – 24.49% variable APR.

You can also subscribe to the “Cell Phone Protection” program, which insures your phone if you pay your bill with your credit card. You could receive up to $600 if your phone is damaged or stolen.


Nerdwallet notes in its review that it has no annual fee, so its 0% APR for the first 18 months and for any balance transfers in the first 60 days can help you make purchases and stay out of debt for a while.

After the offer time, you have a 14.49% – 24.49% variable APR, not to mention that a 3% fee applies to all balance transfers, starting at a minimum of $10.

Capital One Quicksilver

One of the cards with the greatest benefits in addition to 0% APR in the first 15 months on purchases and balance transfers.

The most outstanding rewards are the chance to earn $150 cash after spending $500 on purchases in your first 3 months and unlimited 1.5% cash back on every purchase you make.

After the 15-month promotion, the card has 15.49% – 25.49% APR.

Chase Freedom Unlimited Card

With $0 annual fees and 0% APR in the first 15 months on purchases and transfers, get the same benefits of Capital One Quicksilver: earn $150 cash after spending $500 on purchases during the first 3 months and unlimited 1.5% cash back on each purchase you make. With the enormous advantage that its APR is more attractive at the end of the promotion: 14.99% – 23.74%.