Best Zero Interest Credit Cards

FAQs About Zero Interest Credit Cards

What is a zero interest credit card?

A zero interest card offers a 0% annual percentage rate (APR) on purchases, balance transfers, or both for a set introductory period—typically 12 to 21 months. During this window, you can carry a balance without paying interest.

Who should consider a zero interest card?

These cards are ideal for people planning large purchases, consolidating high-interest debt, or needing time to pay off balances. They can help you save on interest if you commit to paying off the balance before the promotional period ends.

Are there any fees with zero interest cards?

Yes, some come with balance transfer fees (typically 3%–5% of the transferred amount). Others may have annual fees, though most introductory deals waive them in exchange for the interest break.

What happens when the promotional period ends?

Once the 0% APR period ends, the card’s regular variable interest rate applies to remaining balances and new purchases. This rate can be significantly higher, so it’s important to pay off or transfer the balance before the end.

Can I get a zero interest card with bad credit?

It’s possible, but typically limited. Introductory 0% offers are most common on cards for those with good to excellent credit. However, secured credit cards or those for rebuilding credit may offer low introductory rates to help you establish history.

Can I transfer a balance to multiple zero interest cards?

Often yes—transferring across multiple cards can extend your interest-free period but may incur multiple transfer fees. Make sure to compare end dates and fees to maximize savings.

How can I best use a zero interest card?

Plan to pay off the balance before the promotional rate expires. Avoid adding new purchases unless they also qualify for 0% APR, and read the fine print to ensure you’re not charged interest on some transactions.

Do zero interest cards affect my credit score?

Opening a zero interest card can boost your credit mix, but applying may trigger a hard inquiry. Responsibly managing balances and paying on time can improve your score over time.