For the duration of the introductory period, you will pay zero interest on the purchases. Most credit card deals vary from six to 18 months without paying interest — and often on balance transfers. 

A 0% Credit Card is ideal for significant acquisitions. A 0% interest card is a huge asset if you want to make a large purchase, such as a TV or a vacation, but need some time to pay it off. You get to hold a balance for a fixed period and space out repayments without interest charges. 


Moreover, a 0% Credit Card helps lower high-interest balances. You should move it to a credit card offering a 0% preferential APR on balance transfers if you are carrying high-interest credit card debt.

Here are some of the top-rated 0% Credit Cards you need to check out now! 

0% Credit Cards - Discover The Best Options

Citi® Double Cash Card

You can earn twice the cashback. With the Citi Double Cash Card, you can earn 2% with full 1% cash back on each order when you buy plus an extra 1 percent when you pay for those transactions. 


For 18 months, a 0 percent intro APR on Balance Transfers is offered. After that, based on your creditworthiness, the variable APR will be 13.99% – 23.99%. 

There is a balance transfer fee, whichever is greater, of either $5 or 3% of each transfer amount. APR for purchases is 13.99% – 23.99%, and APR for cash advances is 25.24%. There is no annual fee, a cash advance fee of $10 or 5%, whichever is greater, and a foreign purchase transaction of 3%.

If you would like to get in contact with a Citi representative, we have listed their mailing address for you: 388-390 Greenwich St. New York, NY 10013 U.S.

Mastercard® Gold Card™

This card has an intro APR for balance transfers of 0% for the first 15 billing cycles, and then an APR of 14.99% afterward. This offer is only available for applicants who are U.S. residents, except the U.S. territories. 

Furthermore, you may not be eligible for this offer if, as determined by us in our sole discretion, they may have reason to suspect at any time during our relationship with you as the issuer of an account in this program that the account is being obtained or used for abusive or gaming activity.

APR for purchases is 14.99%, APR for cash advances is 25.24%, and a minimum interest charge of $0.50. There is an annual fee of $995 ($295 for each Authorized User added to the account), and a balance transfer fee of $5 or 3%, whichever is greater.

There is also a cash advance fee of $10 or 5%, whichever is greater, and a foreign transaction fee of 0%. We have also listed Luxury Card’s mailing address here: 2525 Corporate Place, Suite 250. Monterey Park, CA.

Blue Cash Everyday® Card from American Express

The Bule Cash Everyday Card from American Express has a $150 Intro Bonus. By spending $1,000 in transactions on your new Card within the first 3 months, you will receive a $150 statement credit. 

APR for purchases is 0% for first 15 months, then 13.99% – 23.99% afterwards, and an APR for cash advances is 25.24%. There is no annual fee, a cash advance fee of $10 or 5%, whichever is greater, and a foreign transaction fee of 2.7%.

We have also listed American Express’ mailing address here: 200 Vesey Street New York, NY 10285-3106.

ABOC Platinum Rewards Mastercard®

0% Credit Cards - Discover The Best Options

The ABOC Platinum Rewards Mastercard has a 0% intro APR on purchases for the first 12 months, and then a 12.90% – 22.90% interest rate afterwards. APR for balance transfers is 12.90% – 22.90%, and APR for cash advances is 24.99%.

There is no annual fee, a cash advance fee of 5% (minimum $10), a quasi cash advance fee of 5% (minimum $10), and a balance transfer fee of 3% (minimum $5). We have also listed ABOC’s mailing address here: 30 N. LaSalle, Chicago, Il 60602.


If you want to use a credit card like an interest-free loan, the best decision you can make is to find out which credit card provides the perks and rewards you want along with a long 0% repayment offer. Try out these cards and contact the bank for more information. 

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.