MoneyINC Logo
Years of

The 10 Best No Interest Credit Cards for 24 Months

Best Visa Credit Card for Rewards - Chase Freedom - 1

Credit cards are a powerful tool that, when properly managed, can provide you with the security that you need to get through many situations that life throws at you The key is to manage the cards wisely and to take advantage of existing promotional opportunities that allow you to stretch the credit granted to you even further. That is why you will want to look for no interest credit cards that will allow you to extend your payments for up to 24 months without paying one dime in interest. That might sound too good to be true, but these cards certainly do exist. Here are the 10 best to get you started on your quest to find the right one for you.

Chase Freedom Unlimited

This card has a bit of everything. In addition to the introductory interest-free period, you will get 3 percent cashback on any of your purchases made in the first year, up to $20,000. There is a balance transfer fee of 3 percent of the total amount being transferred, with a $5 minimum. There is also no minimum amount that needs to be redeemed when receiving cashback.

Discover IT Cash Back

This card by Discover offers an introductory interest-free period. In addition to that, card users will receive a match of any cashback that is earned during the first year. This amount will be given automatically. There is no fee to get this card, and there is no limit to the amount that can be matched. In addition, you can earn 5 percent cash back at various types of shops, such as fast stations and restaurants. Amazon purchases qualify as well. You can redeem any amount of your cashback balance anytime that you wish.

Bank Americard Credit Card

Not only will you receive interest-free purchases for the initial term of getting approved for this card, but you will also get the same offer for any balances that are transferred in from other accounts. There is no annual fee with the card, which is a nice feature as well. There is also no interest rate penalty if you happen to pay your bill late. This card allows you to access your FICO score at any time right from their mobile app.

American Express Cash Magnet Card

This card comes with a nice $150 bonus that will be granted after you spend your first $1,000 with the card. You will just need to make those purchases within the first three months of becoming a cardmember. You will also get 1.5 percent cashback on all of your purchases, and there is no limit to the amount of money that you can get. This is all in addition to the interest-free period that is given to all new cardmembers.

Capital One Quicksilver Cash Rewards Credit Card

You will also get a $150 bonus with this card, and you only need to spend a total of $500 within the first three months in order to get it. In addition to the interest-free period that you get for a new becoming a new cardholder, you will be able to earn 1.5 percent cash back on all purchases. You will be able to earn an unlimited amount of cashback as well. There is not any annual fee associated with this card, and there are no foreign transaction fees charged.

Bank of America Cash Rewards Credit Card

This card ups the ante on cash bonuses by offering $200 to any new cardholder that spends at least $1,000 on the card within the first three months. You will also enjoy the interest-free period on all purchases made during the initial term of membership, in addition to paying no annual fee. Cardholders will get 3 percent cash back on any gas purchases, with 2 percent being granted on purchases made at grocery stores and clubs. One percent cashback is given on all other purchases.

Citi Simplicity Card

In addition to charging no interest during its introductory period, this card has the distinction of not ever charging any late fees. There is also no rate penalty assessed for late payments, and there is no annual fee. New cardholders will also get the 0 percent interest rate during the initial term on all balance transfers that are made. There is a small balance transfer that will be charged.

Capital One SavorOne Cash Rewards Credit Card

New cardholders are offered a $150 bonus when at least $500 in purchases are made within the first three months. There is also the potential to earn an unlimited 3 percent cash back on any purchases made at dining and entertainment venues. Two percent cashback is offered at grocery stores, while all other purchases will amount to an unlimited one percent cashback offer. There is no annual fee associated with this card, and no foreign transaction fees are ever charged.

Wells Fargo Platinum Card

This card comes with a no-interest rate promotion for the initial term. There is no annual fee with this card, and members receive a total of $600 protection insurance for their cell phone. This covers you against covered damaged, in addition to theft as long as you pay your monthly bill with the card. There is also zero liability protection offered for all unauthorized purchases that are quickly reported to Wells Fargo.

Discover it Balance Transfer

With this card, Discover will match all of the cashback that you receive during the first year. This is in addition to the introductory interest-free period that is offered. These ten cards alone should give you more than enough to begin your research. Remember that you do not need to apply for all ten of them. Look through the details of each one and then submit an application for the one you feel best suits your needs. Then, then enjoy the no-interest period that you are granted.


Bill Vix

Written by Bill Vix

Bill Vix writes blogs, articles, and website content for clients who want the facts presented in a way that is digestible to their target audience. He graduated from Clarion University of Pennsylvania in 2009 as an English major with a concentration in Professional Writing. After graduation, he pursued graduate degrees in both Library Science and Communication. With over 10 years of professional writing experience, his ultimate goal is to simply and effectively communicate useful information using the most technologically relevant methods.

Read more posts by Bill Vix

Related Articles

Stay ahead of the curve with our most recent guides and articles on , freshly curated by our diligent editorial team for your immediate perusal.
As featured on:

Wealth Insight!
Subscribe to our Exclusive Newsletter

Dive into the world of wealth and extravagance with Money Inc! Discover stock tips, businesses, luxury items, and travel experiences curated for the affluent observer.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram