12 Months Interest Free Credit Card

The Best Credit Cards with No Interest for 12+ Months (2022)

Hello Friends, are you in need of a new credit card but worried about high interest rates or fees? Look no further than these 14 best credit cards with no interest for 12+ months in 2022! With flexible payment options and 0% introductory APRs, these credit cards are the perfect solution for budgeting and big purchases. Read on to learn more about each card’s benefits and how to choose the right one for you.

1. Discover it® Cash Back

The Discover it® Cash Back is a great option for anyone looking for a credit card with no interest for 12+ months. With a 0% introductory APR for 14 months on purchases and balance transfers (then, 11.99% – 22.99% Standard Variable Purchase APR and Balance Transfer APR), this card offers ample time to pay off big purchases or transfer existing debt. Additionally, the Discover it® Cash Back offers 5% cash back on rotating categories and 1% cash back on all other purchases. Plus, Discover will match all the cash back you’ve earned at the end of your first year, making this card an excellent choice for anyone looking to maximize rewards.

Pros

  • 0% introductory APR for 14 months
  • 5% cash back on rotating categories
  • 1% cash back on all other purchases
  • Discover matches all cash back earned in the first year

Cons

  • Rotating categories may not always match your spending habits
  • Higher standard variable APR than some other cards

2. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is another excellent choice for anyone looking for a credit card with no interest for 12+ months. This card has a 0% introductory APR for 15 months on purchases and balance transfers (then, 14.99% – 23.74% variable APR), giving you plenty of time to pay off big purchases or transfer existing debt. Additionally, the Chase Freedom Unlimited® offers 1.5% cash back on all purchases with no limits or categories to worry about. Plus, if you spend $500 within the first three months of opening your account, you’ll receive a $200 bonus.

Pros

  • 0% introductory APR for 15 months
  • 1.5% cash back on all purchases with no limits or categories
  • $200 bonus after spending $500 within first three months of account opening

Cons

  • No bonus categories for extra cash back
  • Slightly higher standard variable APR than some other cards

3. Citi Simplicity® Card

The Citi Simplicity® Card is a great choice for anyone looking for a credit card with no interest for 21 months on purchases and balance transfers (then, 14.74% – 24.74% variable APR). With one of the longest introductory APR periods available, this card is perfect for anyone with a big purchase or existing debt to pay off. Additionally, the Citi Simplicity® Card has no late fees, no penalty rate, and no annual fee, making it an excellent choice for anyone looking for a straightforward and flexible credit card.

Pros

  • 0% introductory APR for 21 months
  • No late fees, no penalty rate, and no annual fee
  • Flexible payment options

Cons

  • No rewards program or cash back options
  • Higher standard variable APR than some other cards

4. Wells Fargo Platinum Card

The Wells Fargo Platinum Card is another great choice for anyone looking for a credit card with no interest for 18 months on purchases and balance transfers (then, 16.49% – 24.49% variable APR). With one of the longest introductory APR periods available, this card is perfect for anyone with a big purchase or existing debt to pay off. Additionally, the Wells Fargo Platinum Card offers cell phone protection, travel accident insurance, and zero liability protection, making it an excellent choice for anyone looking for extra benefits and peace of mind.

Pros

  • 0% introductory APR for 18 months
  • Cell phone protection, travel accident insurance, and zero liability protection
  • Flexible payment options

Cons

  • No rewards program or cash back options
  • Higher standard variable APR than some other cards

5. Capital One® VentureOne® Rewards Credit Card

The Capital One® VentureOne® Rewards Credit Card is an excellent choice for anyone looking for a credit card with no interest for 12+ months and a rewards program. This card offers a 0% introductory APR for 12 months on purchases (then, 15.49% – 25.49% variable APR) and 1.25 miles per dollar on all purchases, with no limits or categories to worry about. Additionally, the Capital One® VentureOne® Rewards Credit Card offers a one-time bonus of 20,000 miles (equal to $200 in travel) after spending $500 within the first three months of opening your account.

Pros

  • 0% introductory APR for 12 months
  • Rewards program with 1.25 miles per dollar on all purchases
  • $200 bonus after spending $500 within first three months of account opening

Cons

  • Slightly lower rewards rate than some other cards
  • Higher standard variable APR than some other cards

6. American Express® Blue Cash Everyday® Card

The American Express® Blue Cash Everyday® Card is a great choice for anyone looking for a credit card with no interest for 15 months on purchases and balance transfers (then, 13.99% – 23.99% variable APR). This card offers 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases. Plus, the American Express® Blue Cash Everyday® Card offers a $150 statement credit after spending $1,000 within the first three months of opening your account.

Pros

  • 0% introductory APR for 15 months
  • 3% cash back at U.S. supermarkets, 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases
  • $150 statement credit after spending $1,000 within first three months of account opening

Cons

  • Rotating categories may not always match your spending habits
  • Slightly higher standard variable APR than some other cards

7. Bank of America® Travel Rewards Credit Card

The Bank of America® Travel Rewards Credit Card is a great choice for anyone looking for a credit card with no interest for 12+ months and a rewards program. This card offers a 0% introductory APR for 12 billing cycles on purchases (then, 13.99% – 23.99% variable APR) and 1.5 points per dollar on all purchases, with no limits or categories to worry about. Additionally, the Bank of America® Travel Rewards Credit Card offers 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases.

Pros

  • 0% introductory APR for 12 billing cycles on purchases
  • Rewards program with 1.5 points per dollar on all purchases
  • 25,000 online bonus points after spending $1,000 within first 90 days of account opening (equal to $250 statement credit toward travel purchases)

Cons

  • No bonus categories for extra rewards
  • Slightly higher standard variable APR than some other cards

8. U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card is a great choice for anyone looking for a credit card with no interest for 20 billing cycles on purchases and balance transfers (then, 14.49% – 24.49% variable APR). With one of the longest introductory APR periods available, this card is perfect for anyone with a big purchase or existing debt to pay off. Additionally, the U.S. Bank Visa® Platinum Card offers free access to your FICO® Credit Score, cellphone protection, and fraud protection, making it an excellent choice for anyone looking for extra benefits and peace of mind.

Pros

  • 0% introductory APR for 20 billing cycles on purchases and balance transfers
  • Free access to your FICO® Credit Score
  • Cellphone protection and fraud protection

Cons

  • No rewards program or cash back options
  • Higher standard variable APR than some other cards

9. HSBC Cash Rewards Mastercard® Credit Card

The HSBC Cash Rewards Mastercard® Credit Card is an excellent choice for anyone looking for a credit card with no interest for 15 months on purchases and balance transfers (then, 13.99% – 23.99% variable APR) and a rewards program. This card offers 3% cash back on all purchases up to $10,000 in the first 12 months from account opening, then 1.5% cash back on all purchases, with no limits or categories to worry about. Additionally, the HSBC Cash Rewards Mastercard® Credit Card offers a $200 cash rewards bonus after spending $2,000 in the first three months of opening your account.

Pros

  • 0% introductory APR for 15 months
  • 3% cash back on all purchases up to $10,000 in the first 12 months from account opening, then 1.5% cash back on all purchases
  • $200 cash rewards bonus after spending $2,000 within first three months of account opening

Cons

  • Higher standard variable APR than some other cards
  • Slightly lower rewards rate on non-bonus spending

10. Capital One® SavorOne® Cash Rewards Credit Card

The Capital One® SavorOne® Cash Rewards Credit Card is a great choice for anyone looking for a credit card with no interest for 15 months on purchases and balance transfers (then, 15.49% – 25.49% variable APR) and a rewards program. This card offers 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) and 1% cash back on all other purchases. Additionally, the Capital One® SavorOne® Cash Rewards Credit Card offers a one-time bonus of $200 after spending $500 within the first three months of opening your account.

Pros

  • 0% introductory APR for 15 months
  • 3% cash back on dining, entertainment, popular streaming services and at grocery stores
  • $200 bonus after spending $500 within first three months of account opening

Cons

  • No bonus categories for extra cash back
  • Higher standard variable APR than some other cards

11. Citi® Double Cash Card

The Citi® Double Cash Card is a great choice for anyone looking for a credit card with no interest for 18 months on balance transfers (then, 13.99% – 23.99% variable APR) and a rewards program. This card offers 2% cash back on every purchase – 1% when you buy and 1% when you pay for the purchase. Plus, the Citi® Double Cash Card offers no late fees, no penalty rate, and no annual fee, making it an excellent choice for anyone looking for a straightforward and flexible credit card.

Pros

  • 0% introductory APR for 18 months on balance transfers
  • 2% cash back on every purchase
  • No late fees, no penalty rate, and no annual fee

Cons

  • No bonus categories for extra cash back
  • No introductory APR for purchases

12. Apple Card

The Apple Card is a great choice for anyone looking for a credit card with no interest for 6-12 months on purchases (then, 10.99% – 21.99% variable APR) and a rewards program. This card offers 3% cash back on purchases made directly with Apple, 2% cash back on purchases made with Apple Pay, and 1% cash back on all other purchases. Plus, the Apple Card offers unique features like titanium card construction, daily cash back, and no fees.

Pros

  • 0% introductory APR for 6-12 months
  • 3% cash back on purchases made directly with Apple, 2% cash back on purchases made with Apple Pay, and 1% cash back on all other purchases
  • Unique features like titanium card construction and daily cash back

Cons

  • No introductory APR for balance transfers
  • Limited rewards program compared to some other cards

13. Synchrony Bank Mastercard®

The Synchrony Bank Mastercard® is a great choice for anyone looking for a low-interest credit card with no annual fee and a rewards program. This card offers a 0% introductory APR for 15 months on purchases and balance transfers (then, 14.49% – 24.99% variable APR) and 2% cash back on all purchases at gas stations and grocery stores, up to $1,000 in combined purchases per quarter, and 1% cash back on all other purchases. Plus, the Synchrony Bank Mastercard® offers Mastercard ID Theft Protection, MasterRental® Insurance, and Extended Warranty coverage.

Pros

  • 0% introductory APR for 15 months on purchases and balance transfers
  • 2% cash back on all purchases at gas stations and grocery stores, up to $1,000 in combined purchases per quarter, and 1% cash back on all other purchases
  • Mastercard ID Theft Protection, MasterRental® Insurance, and Extended Warranty coverage

Cons

  • No introductory bonus or rewards

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