John Miller, Credit Cards Moderator
@john_miller
The two main types of credit cards that typically do not charge interest are charge cards and 0% intro APR credit cards. Charge cards require the balance to be paid in full each month, while 0% introductory APR credit cards offer a promotional period during which no interest is charged. They can still charge interest in certain circumstances, however.
Credit Cards That Do Not Charge Interest
Charge Cards
These types of credit cards typically do not charge interest, but they also require you to pay your balance in full by the due date. Charge cards usually have higher credit limits than normal credit cards, along with attractive rewards. However the (obvious) downside is that they don’t allow you to carry a balance from month to month.
Notable charge cards examples include Brex Corporate Card for Startups and the Sunoco Gas Card.
0% Intro APR Credit Cards
These cards offer a promotional period during which no interest is charged on purchases or balance transfers. This period can be up to 21 months from account opening, depending on the card issuer and the specific offer. It's an excellent option for those looking to make significant purchases or consolidate existing debt without incurring interest charges. However, it's important to note that once the introductory period expires, the standard APR will apply to any remaining balance, so it's essential to plan payments accordingly.
Some good 0% intro APR credit cards are the Wells Fargo Reflect® Card and the Citi Simplicity® Card.
It’s worth noting that you can also avoid paying interest on a credit card by paying your balance in full each month. That’s because credit cards typically offer an interest-free grace period on purchases, lasting from the day of account opening until the due date. As long as you pay your statement balance in full by the due date each month, you won't incur any interest charges, and the grace period will extend until your next due date. This approach allows you to enjoy using a credit card without paying interest, for the lifetime of the account.
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People also ask
Do 0% APR credit cards exist?
Yes, 0% APR credit cards do exist, and dozens of them are available right now. Credit cards with 0% APR promotions do not charge interest for a certain amount of time (usually 6-21 months), which can save you hundreds of dollars on big purchases or balance transfers.
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A 0% APR is not good for your credit if you overspend, as high credit utilization and missed payments hurt your credit score. After the 0% period ends, any remaining balance will accrue interest at a high rate, making it more difficult to pay off debt and stay current on payments, which can further damage your credit. Applying for a new 0% APR credit card will also hurt your credit score temporarily.
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read full answer by Chip Lupo, Credit Card WriterCan you get 0% interest on an existing credit card?
You can get 0% interest on an existing credit card only if your credit card company makes you a special offer. Some lenders occasionally offer 0% APRs to existing credit card customers who have been with the company for a long time and have a good payment history.
How to Get a 0% APR on an Existing Credit Card
Ask if your account is eligible for any 0% APR promotions
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read full answer by Bianca Smith, WalletHub Credit Cards AnalystDid we answer your question?
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