Best No Interest Credit Card Deals: Our Top Card Opportunities Unveiled

best no interest credit card deals

Best No Interest Credit Card Deals

When you need to make a big purchase, the last thing you want to do is put it on your credit card. Especially if it’s a surprise expense. You’re afraid of the interest charges and never ending monthly payments. But there are options in the credit card world for those who qualify. While some cards offer specialized cashback deals and other rewards programs, there’s nothing better than a no interest credit card. Here’s a breakdown of the best no interest credit card deals that can save you money on that lump sum you’re dreading in your budget. Balance transfers are a great way to get started.

credit cards and women with shopping bag

Discover It Cashback Match Card

This card offers 14 months 0% APR on balance transfers and new purchases with 11.99% – 23.99% regular APR after that.

Coupled with the cash back rewards program, this card is an excellent choice if you like to earn while you spend. Earn 1% cash back on all purchases. Even more, earn 5% cash back at Target and Amazon on purchases up to $1500 through December 2017 when you activate your new card.

The Discover it Cashback Match Card is a no interest credit card that literally matches your spending, matching each dollar on the cash back you’ve earned with Cashback Match. This program pays out at the end of your first year, automatically, up to $300. And there’s still more to love about this card.

Discover also offers Free Social Security number alerts through their monitoring system that reviews websites to search for risky activity. Their customer service is solely based in the United States, too.

This card is for people with good to excellent credit, meaning scores ranging from 670-850 an in our opinion is one of the best no interest credit card deals available in the market today.

Of course, you might think that with all these great features, there must be an annual fee, but there isn’t.

This no interest credit card is really a great choice for any consumer, especially one that has a lot of high balances accruing interest.

With zero percent interest for over a year, it should be an easy choice, but there are more and more no interest credit cards available today.

Chase Freedom No Interest Credit Card

Not only is this one of the best no interest credit card deals, it also gives you one more month free of interest, it has other extra added features, still with no annual fee.best no interest credit card deals account

For 15 months you can get a 0% APR on balance transfers and new purchases with 15.99% – 24.74% after that. You’ll also get $150 cash bonus when you spend $500 in the first three months after you open your account.

This card makes it fun to spend and earn at the same time with 5% cash back in specified categories for each quarter, up to $1500. You can also earn 5% each quarter at drugstores, gas stations, and restaurants. The card offers unlimited 1% cash back automatically on all purchases outside these bonus categories.

You can withdraw your cashback anytime, there is no minimum and your rewards never expire!

Extra features include:

  • Purchase Protection
  • EMV Enhanced Identity Security
  • Visa Signature – enhanced card benefits
  • Price Protection
  • Mobile Pay Ready
  • Zero Fraud Liability

And with this card, the features are enhanced with your financials in mind:

  • Concierge Service
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
  • Extended Warranty Program
  • Travel Assistance
  • Roadside Assistance
  • Trip Cancellation Insurance

The Chase Freedom no interest credit card can benefit your financial situation on many levels depending on your lifestyle and budget. With the first 15 months free of interest, you can rearrange your finances to fit, with the added cash-back incentives to help you knock down your debt.

visa card iphone pen and paper

15 months and lots of features is no reason to stop searching for a better deal.

Take a look at the last offer we’ve compared. It could be the final answer to all your credit card debt concerns.

Citi Diamond Preferred Card

While this no interest credit card doesn’t offer any cash back rewards programs, you can get 0 percent intro APR on balance transfers and new purchases for 21 months. It’s only 13.99% – 23.99% after that. Compare this offer to some of their other cards with the same terms that offer higher rates in the end.

You’ll get many of the same features you would get with most other credit cards:

  • Mobile Pay Ready
  • Price Protection
  • Purchase Protection
  • EMV – enhanced identity security
  • Free Credit Score
  • Zero Fraud Liability

And a few features that you may not always see:

  • Presale Tickets
  • Extended Warranty Program
  • Travel Accident Insurance
  • Concierge Service
  • Lost Luggage Reimbursement
  • Trip Cancellation Insurance
  • Roadside Assistance
  • Auto Rental Insurance

Balance transfers come with a fee on this card but it could be worth it for the extended zero percent period. It’s either $5 or 3% of the amount of the transfer.

Citi Diamond Preferred Card another one of our best no interest credit card deals comes with the Citi Price Rewind Program. The program searches for lower prices online for sixty days on registered purchases on your card. You’ll get up to $500 back per item on up to $2500 per year.

Overall, this card gives you the freest interest period, but without some of the exciting rewards. But if your main goal is to pay off debt or finance a large purchase, the rewards shouldn’t really matter.master card security lock

Monitoring Your Credit

If you’re paying close attention to which credit card you should use to save the most money, you should also be monitoring your credit.

All the cards mentioned here come with credit monitoring services, as well as other added features you should be able to rearrange your finances to save the most money.

Pay close attention to the balances you transfer and don’t re-use the cards you’re transferring from. This will help your credit score as you maintain balances at no more than 30% of your credit limits.

There are a lot of tips and tricks for utilizing your credit to your benefit while keeping your score up. Subscribe with us for up to the minute details that will help you maintain good credit and utilize your balances to their best potential.

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