21 months No Interest Credit Card: The Best Way To Save On Interest

Credit cards can be a useful tool for financing new purchases and consolidating old debt. Some of the best credit cards offer no interest on new purchases, balance transfers or both — for up to 21 months.

This can add up to substantial savings if you’re carrying a balance on a high-interest credit card, where a portion of your payment goes toward interest charges. After all, the average credit card APR is currently over 16%, according to the Federal Reserve. If you have lingering debt on an existing card or plan on making a large purchase, it’s financially smart to open an intro 0% APR credit card, if you use it responsibly.

Below, Select rounds up some of the best credit cards that offer no interest, so you can maximize your savings. (Read more about our methodology below.)

7-Wells Fargo Autograph℠ Card:


The Wells Fargo Autograph℠ Card Rates and Fees is an ideal option for those looking to maximize their rewards. With a huge intro offer of 20,000 bonus points when you spend $1,000 in purchases in the first three months, you’ll start out with a great balance like never before. Earning flexible points has gotten even better; get three times the points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn one time points on all other purchases. Redeem them easily for statements credit or gift cards without any hassle. And to top it off, get 0% intro APR for 12 months from account opening on purchases. What more could you ask for? Sign up now to take advantage of all this card has to offer!

6-Bank of America® Travel Rewards credit card


The Bank of America® Travel Rewards credit card is your ticket to adventure! With no annual fee, a generous signup bonus, and the ability to earn unlimited 1.5X points on all purchases – this is without a doubt the card you want to keep at the top of your wallet.

New cardholders can earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases!

Quit juggling multiple cards to optimize your travel rewards – with the Bank of America® Travel Rewards credit card, you can earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time. Points can be redeemed as a statement credit for a variety of travel expenses, including flights, hotels, and rental cars booked through the Bank of America Travel Center.

Additional perk: Take advantage of this card’s 0% introductory APR period on purchases and qualifying balance transfers for 18 billing cycles (then 18.24% – 28.24% Variable). Perfect for a large purchase or funding travel that you want to pay back over time – without having to worry about accumulating interest.

Annual fee: $0

5. Wells Fargo Active Cash® Card


With the Wells Fargo Active Cash® Card Rates and Fees, you get the best of both worlds — high cash rewards rates and an extended intro APR period. This card offers a generous cash rewards rate with no limit on 2% earnings, so no need to waste time keeping track of varying spending categories. The intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers is also a great incentive, allowing new cardholders to enjoy low interest rates for over a year while still earning back rewards. In short, this credit card is the perfect choice for anyone looking to maximize their rewards while getting some financial breathing room at the same time.

This credit card is ideal for those looking to maximize their rewards. Plus, as a new cardholder you have a great perk. With just $1,000 in spending within the first three months, you can receive a $200 cash rewards bonus. It’s easy to hit this requirement because your daily purchases at gas stations and grocery stores can easily bill up over time. Even better? This doesn’t require an additional annual fee! Set up your expenses with this credit card and the financial benefits are sure to follow.

4-Capital One Quicksilver Cash Rewards Credit Card


Joining the credit card family just became a bit more attractive! New cardholders can take advantage of an incredibly long intro APR of 0% for 15 months on balance transfers, plus with no annual fee required, it’s an amazing opportunity. Even after the 15 months is up, you’ll still have a competitive rate and won’t pay too much on what you owe already. But keep in mind there’ll be a 3% fee charged for those balances transferred within those first 15 months – so remember to plan ahead!


When it comes to rewards credit cards there are hundreds of options available, making the selection process overwhelming and intimidating for those unfamiliar with using credit cards. For those who want an easy-to-manage card that offers great benefits, the Capital One Quicksilver Cash Rewards Credit Card is a great choice. A major bonus of this card is that cardholders earn 1.5% cash back on every purchase, every day – no complicated points system or confusing spending categories required. Additionally, new cardholders can get a one-time cash bonus – after spending $500 in purchases within 3 months of account opening you can receive a one-time $200 cash bonus. Another benefit to this card is the 0% intro APR on purchases for the first 15 months — After that it’s 19.24%-29.24% (Variable) so you don’t have to worry about accruing interest if you struggle with debt repayment from time to time . Plus, with the ability to use your card at gas station and grocery stores, meeting the spending requirement should be simple enough!

3-Capital One Venture Rewards Credit Card


The Capital One Venture Rewards Credit Card is a fantastic choice for those who love to travel. With this card, you can take advantage of first-class travel perks and an incredibly generous introductory bonus. When you spend $4,000 on purchases in the first three months after opening your account, you can enjoy a one-time bonus of 75,000 miles – equivalent to $750 in travel rewards. With this card, you also earn 2X miles on every purchase and up to 5X miles when you book hotels or rental cars through Capital One Travel. Plus, there’s an additional 5X miles per dollar when reserving cars from Turo between now and May 16th, 2023. If you’re looking for a credit card that offers great flexibility and plenty of reward opportunities for frequent travelers – the Venture Rewards Credit Card is definitely worth considering.

If you are looking for a credit card perfect for traveling, look no further. This particular credit card gives you one of the easiest rewards redemption experiences yet. It comes with no restrictions as to which airlines or hotels you can use your points with, making redeeming never easier. Any trip you book will be definitely well worth it — especially with the welcome offer included. However, do keep in mind that this credit card has an annual fee of $95. But nonetheless, it provides the lowest interest rate of APR (20.24% – 28.24%) compared to any other credit cards out there; hence it’s truly an exceptional choice for travelers who love to explore and experience extraordinary places around the world!

2-Ink Business Cash® Credit Card


The Ink Business Cash® Credit Card is the ideal choice for business owners that want to maximize their rewards. With it, you can gain 5% cash back at office supply stores and on internet, cable and phone services, perfect for businesses looking to stay online and connected. You’ll also reap 5% cash back on Lyft rides, helping to keep your employees moving around the city efficiently. For fuel needs, you can get 2% cash back at restaurants and gas stations up to $25,000 annually. And finally you also have 1% cash back on everything else with no limit – so start “cash-ing” in on your success today!

If you’re a small business or side hustler looking for credit card perks, now is the time to take advantage of the Ink Business Cash® Credit Card’s best intro offer ever! For a limited time, while earning up to $900 bonus cash back after spending just $6,000 in the first 3 months. What makes this offer even more attractive is that there is no annual fee and an EIN number not even necessary to apply. This offer marks a great opportunity for solo entrepreneurs and side hustlers to stock up on supplies and services with reward points and bonuses. If you’ve been wanting to set your business apart with credit card benefits, why not use this opportunity to reap the rewards today?

1-Capital One SavorOne Cash Rewards Credit Card


The Capital One SavorOne Cash Rewards Credit Card is the perfect fit for those of us who are always up for a great meal and are keen on entertainment. With no annual fee, this card offers strong cash back rewards on dining, entertainment, popular streaming services, and grocery stores (but there is one catch—superstores like Walmart and Target are excluded from the deal). Plus, you can also earn a one-time $200 cash bonus after spending $500 within three months of account opening. So, if you’re someone who loves exploring new restaurants and discovering the newest shows or concerts in town, this card might be right up your alley!

The Capital One Dining Credit Card offers customers a powerful set of benefits that make it an ideal option for practically any situation. Not only will you receive generous incentives through their rewards program, but also you’ll be able to take advantage of 0% introductory APR on purchases for 15 months, plus a 0% intro APR for 15 months on balance transfers with a 3% fee. On top of that, Capital One Dining provides members exclusive access to reservation at award winning restaurants. And best of all: no annual fee! This card is truly a must-have in your wallet if you’re looking to unlock the rewards of premium dining experiences.

Bottom Line

The Wells Fargo Autograph Card is the perfect option for anyone interested in great rewards without the hassle of an annual membership fee. With this card, you receive a 0% introductory APR on purchases for 12 months from the time your account opens — that’s an amazing deal! This card comes with 20,000 bonus points when you use it to spend $1,000 within 3 months of opening your account — an easy way to get close to $200 cash back. Furthermore, every purchase you make earns you unlimited 3X points that really add up quickly. Signing up for this card is a no-brainer!

Get the best out of your money with the Wells Fargo Credit Close-Up℠ card. Earn 1X points on everything you purchase from restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus you will have access to your FICO score so you can watch your credit score grow while racking up points at the same time! Wells Fargo cardholders even get cell phone protection against damage and theft up to $600 (subject to a $25 deductible). Don’t miss out on all these great benefits at an affordable price!

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