What are some good no-interest credit cards for good credit?

A handful of good no-interest credit cards for good credit are the Wells Fargo Reflect® Card, the American Express Cash Magnet® Card, the Capital One SavorOne Cash Rewards Credit Card credit card, and the Chase Freedom Unlimited® card. They all offer longer-than-average 0% APR periods on purchases and balance transfers, none of them have annual fees, and all are available to people with good credit or better.

Best No Interest Credit Cards for Good Credit:

Amex Cash Magnet Card: intro APR of 0% for 15 months on purchases and balance transfers. 18.99% - 29.99% (V) regular APR. 3% (min $5) balance transfer fee. Best perks: $200 for spending $2,000 in 6 months and unlimited 1.5% cash back on all purchases. $0 annual fee. All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.

Capital One SavorOne: intro APRs of 0% for 15 months on purchases and balance transfers. 19.74% - 29.74% (V) regular APR. 3% balance transfer fee. Best perks: $200 for spending $1,000 in the first 3 months; and unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats). $0 annual fee.

Wells Fargo Reflect: intro APRs of 0% for 21 months from account opening on purchases, 0% for 21 months from account opening on qualifying balance transfers, with a balance transfer fee of 5% (min $5). 17.99% - 29.99% Variable regular APR. Best perk: Cell Phone Protection up to $600. $0 annual fee.

Chase Freedom Unlimited: intro APR of 0% for 15 months on purchases and balance transfers. Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). 19.99% - 28.74% (V) regular APR. Best perks: . 1.5 - 5% cash back on purchases. $0 annual fee.

In the end, which card you pick should depend on what you’re planning to use the card for. Some credit cards with longer 0% interest periods don’t come with ongoing rewards, so choose wisely.

If you’re only planning to make a big purchase with your no-interest card, go for the longer intro period. Pick a card with good ongoing rewards if you want to use the card for everyday purchases, in addition to saving on interest. And if you’re looking for a balance transfer card, pick the one with the lowest transfer fee and longest 0% APR period on balance transfers.

Whichever route you take, make sure to pay off the balance before the intro period ends. It’s better to not pay interest at all, if you can help it.