Best 0% Introductory Rate Credit Cards-2021

20% for 20 months or billing cycles

      • US Bank Visa Platinum Card – Zero interest rate on purchases made within the first twenty billing cycles. The card doesn’t offer any rewards program.

0 percent for 18 months/billing cycles

    • BankAmericard A 0% interest rate on purchases made in up to 18 cycles of billing. Although that’s a great deal, it is important to note that the card doesn’t come with any type of rewards program.
    • Citi Simplicity Card – Zero interest rate on purchases made within up to 18 months. There are no rewards available.
    • Citi Diamond Credit card – Interest rate is 0% on all new purchases for up to 18 months. There are no rewards available.
    • Wells Fargo Platinum Visa Zero percentage interest on purchase for 18 month period from the time of first. There are no reward points.

Best 0% Introductory Rate Credit Cards

0 percent for 15 months or billing cycles

    • Wells Fargo Active Cash – A 0% interest rate introductory on purchases made for 15 months starting from when the account is opened. With regards to rewards you’ll get 2% cash back for every purchase you make with this card.
    • Citi Credit Card – A 0% interest rate introductory on purchases made for 15 months starting from when the account is opened. This credit card that cash back comes with the opportunity to earn 5% back on one category of purchase that you spend the most every month (on up to $500 worth of purchases within the top category). Other purchases earn cash back of 1.
    • Capital One SavorOne Rewards – Interest rates are 0% on purchases made within 15 months starting from the date of the account’s opening. Rewards for cash back which include the cash-back of 3% on purchases at the grocery store as well as entertainment, dining and the majority of streaming services. In all other cases, you’ll receive one percent back.
    • Chase Freedom Unlimited – Zero introductory interest on purchases made within 15 months beginning from day of opening the account. This credit card that cash back also offers you the opportunity to earn 3% back in drug stores and restaurants as well as 5% off your travel via the Chase Ultimate Rewards travel portal and 1.5 percent back on all other purchases.
    • Chase Freedom Flex – Zero introductory rate on all new purchases for a period of 15 months beginning from the date of the account’s opening. This credit card that cash back offers the opportunity to earn 5% back on certain categories of purchases that are subject to change every quarter. It also offers the rebate is 3% in drug and restaurant stores and 5% off travel via the Chase Ultimate Rewards travel portal and 1% cash return on all other purchases.
    • Bank of America Customized Cash Rewards – Zero interest on purchases made with your credit card during 15 cycles of billing. Cash-back rewards are also available that are 3% on a purchase category you choose (from the list Bank of America provides) as well as 2% at wholesale clubs and supermarkets and 1% everywhere other places. It is important to note that some reward categories come with “caps” — once you’ve paid a specific amount that the cash-back rate drops to 1% on subsequent purchases. Follow the link for the specifics.
    • Blue Cash Everyday at American Express – Zero interest rate on purchases made for 15 months starting from the date of the account’s opening. Additionally, the card offers cash back of 3% on purchases at U.S. supermarkets (on up to $6000 of supermarket purchases) 2.2% in U.S. gas stations, 2percent at select department stores and 1% anywhere other places.
    • Citi Rewardsand Card Credit card with zero percent interest on purchases made within 15 months starting from day of opening the account. Additionally, it offers a unique point rewards formula for purchases. See the website for more details.
    • American Express Cash Magnet – A 0% interest rate is available on purchases made within 15 months beginning from the date of the account’s opening. The card also comes with the benefit of 1.5 percent cash back for every purchase you make using the card.
    • Bank of America Unlimited Cash Rewards – A 0% interest rate is offered on all new purchases during the initial 15 cycles of billing. This card also gives you an incentive of 1.5 percent cash back on each purchase you make using the card.
    • Capital One Quicksilver Rewards – Zero interest rate on all purchases for 15 months starting from the date of the account’s opening. This card also gives you the benefit of 1.5 percent cash back on each purchase you make using the card.
    • Amex Everyday – Zero interest rate on any new purchase up to 15 consecutive months beginning from day of opening the account. Also , you can earn points with the American Express Membership Rewards program 2 points for every dollar in U.S. supermarkets and 1 point anywhere else. (You can increase the amount of points by 20% when you make use of the card at minimum 20 times in an entire period of billing.

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