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Best 0% APR Credit Cards with No Fees | No Interest until 2019 – Reasons to Apply for a 0% Interest Credit Card

It is always great to find the best deals when shopping anywhere. We all want to save money where we can and it is amazing when we are able to discover the right savings fit for our lives. It is especially crucial for us when it comes to handling important matters such as credit cards.

It is helpful to take a look at multiple choices to explore what would be the best fit for you while gaining the most benefits as well. Here are some of the top credit cards that will help you out by having no introductory interest until 2019.


The Citi Diamond Preferred Card is a great choice to look into first as it has 0% introductory interest on purchases and balance transfers for 21 months.Citigroup also has the Citi Simplicity Card which has no introductory APR on purchases for 12 months and none on balance transfers for 24 months. This card may have a shorter intro period for purchases, but longer on balance transfers. Perks of Both Citi Credit Cards:

  • No Annual Fees
  • Citi Price Rewind
  • Chip-Based Technology for Global Acceptance
  • Worldwide Travel Accident Insurance
  • 0% Liability on Unauthorized Charges
  • Special Access to purchase tickets through Citi Private Pass

The Citi Diamond Preferred Card also gives you the benefit of concierge service. After the introductory period, the Diamond Preferred Card has 13.99%-23.99% variable annual percentage rate and the Citi Simplicity Card has 14.99%-24.99% variable annual percentage rate.

U.S. Bank

The U.S. Bank Visa Platinum Card is another choice to consider for a credit card that gives you a zero interest introductory offer. This card has no interest on purchases and balance transfers for 18 billing cycles. Perks of U.S. Bank Visa Platinum Card:

  • Cell Phone Damage and Theft Protection
  • Fraud Protection
  • Free TransUnion Credit Score
  • Choice of Your Payment Date

On top of these benefits, after the introductory period, the variable APR for the U.S. Bank Visa Platinum credit card is low at only 10.99%-22.99% depending on your credit score.


The HSBC Gold Mastercard credit card is another option to consider, especially if you want to consider something that is more global. This card offers zero interest for the first 18 months. Perks of HSBC Gold Mastercard:

  • No Annual Fees
  • Travel Benefits and Protection
  • No Foreign Transaction Fees
  • Price Protection for 60 Days
  • Access to MasterAssist and Master RoadAssist Services

After the 18 months introductory period of no interest, this card has competitive variable annual percentage rates of 11.99%, 15.99%, or 19.99%, which means that the highest possible rate is still lower than most other card’s highest rates.There are also plenty of other credit cards that have 0% APR for a more limited introductory period as well. These are also worth taking a look into if the Citigroup card, U.S. Bankcard, or HSBC card is not the best fit for you. Discover It Cash Credit Card is also a good option to consider. Discover offers a no interest period for the first 14 months of being with them. The Discover It Cash Credit Card also has no annual fee and has plenty of benefits to boast with it. This card has various cash back perks which are the main focus of this card. Wells Fargo has several credit cards available that offer zero interest rates for the first 12 months. Wells Fargo offers American Express and Visa cards without any annual fees. They also offer several rewards programs that which are recommended to check out to see if your purchases line up with their rewards so you can gain the best returns from your credit card purchases.