No Interest Credit Cards 2023: A Comprehensive Guide
Are you searching for the best no-interest credit cards in 2023. You’ve reached the right place if you are. This comprehensive guide will explain the differences between no-interest credit cards and the advantages and drawbacks of each.
We also discuss how to choose the best one for you. This guide will provide valuable tips and advice, no matter if you are new to no-interest credit cards or an old user. So, let’s get started!
Get Cash Back with Discover It(r)
The Discover credit card offers unique rewards that allow cardholders to receive 5% cash back for purchases up to $1,500 in bonus categories every quarter as well as 1% cashback on all other purchases.
There is no annual fee or foreign transaction fee, and you can double the amount of cash back that you earn after your first year. Cardholders have access to no late fees on their first late payment and a free credit score.
Citi(r) Double-Cash Card
Citi(r) Double cash Card is a great option for anyone looking to maximize their cashback on purchases. The card allows you to earn 2% cashback on all your purchases, 1% when buying and 1% when paying.
The card is also free of foreign transaction fees and annual fees. There are no caps on how much cash you can earn so you don’t have to worry about exhausting your rewards.
There are a few additional features that make the card attractive to customers. Balance transfers are eligible for a special introductory 0% APR for 18 months, with a 3% fee.
Citi’s Price Rewind program allows you to get your money back if the price of an item you have purchased is lower within 60 days. You can also access your Citi Credit Card Mobile App to check your credit health.
Citi(r) Double Cash Card offers a great option for anyone looking for a cash-back credit card that doesn’t have an annual fee. It’s worth looking into because of its high rewards rate, zero foreign transaction fees, and other perks.
Wells Fargo Cash Wise Visa (r) Card
The Wells Fargo Cash Wise Visa(r), Card is a great choice if you are looking for a no-interest credit card. The card has a 0% APR on balance transfers and purchases for 15 months after account opening. There is no annual fee.
After spending $500 within the first three months of your account opening, you will receive a $150 cash reward bonus and 1.5% cashback on all purchases.
The Wells Fargo Cash Wise Visa (r) Card allows you to manage your finances by taking advantage the 0% APR promotional and earning rewards for your purchases.
The card also offers extra benefits like mobile wallet compatibility, fraud protection and access to exclusive discounts and deals.
The Wells Fargo Cash Wise Visa (r) Card offers you the opportunity to enjoy no interest and cashback rewards while also keeping your finances under control.
Chase Freedom Unlimited(r).
For those looking for a simple rewards program, the Chase Freedom Unlimited(r), credit card is a great choice. The card is great for everyday spending because it has no annual fees and offers unlimited 1.5% cashback on all purchases.
After spending $500 within the first three months of account opening, you’ll receive a $150 bonus. You’ll also enjoy a 0% intro APR for 15 month on balance transfers and purchases within the first 60-days. Balance transfers and purchases are subject to a 0% intro rate for 15 months.
There is also a $5 balance transfer fee or 5% depending on the amount of each transfer. You can redeem your Chase Freedom Unlimited(r), credit card rewards as cash back or gift cards, statement credits, merchandise, or statement credits.
You can also earn additional rewards by shopping at selected merchants via Chase’s Ultimate Rewards Portal.
Bank of America (r) Cash Rewards credit cards
For those looking to maximize their cashback rewards, the Bank of America(r), Cash Rewards credit card is a great choice. The credit card provides a 3% cashback rate on gasoline and 2% cashback on grocery store purchases.
All other purchases get 1% cashback. Your Bank of America(r), Cash Rewards credit card can earn you up to 10% bonus cashback at selected merchants.
You will also get $200 bonus if you spend $500 on eligible net purchases within 90 days of opening your account. This credit card does not have an annual fee, making it a great option for people who want to maximize their rewards and avoid paying a high price.
Capital One(r), Quicksilver(r), Cash Rewards Credit Card
This credit card is designed for those who want to maximize their cashback with no restrictions. This card has no restrictions or rotating categories and earns 1.5% on all purchases.
A $150 bonus is available for purchases of $500 within the first three months of account opening.
For the first 15 months, there are no annual fees. There is a 0% introductory rate on balance transfers and purchases. Depending on the amount charged, the APR will fluctuate between 14.49% to 25.24%.
Capital One will offer more robust perks such as Capital One Shopping. This unlocks a host of benefits including greater discounts and cash back.
For those who are looking for a card that can earn unlimited cash back, with no spending caps or categories to remember, the Capital One(r), Quicksilver(r), Cash Rewards Credit Card is an excellent choice.
U.S. Bank Cash+TM Visa Signature(r) Card
U.S. Bank Cash+TM Visa Signature(r), Card offers 5% cashback on your first $2,000 combined net purchase each quarter in two bonus categories. You can choose from eight options.
This card allows you to maximize your spending and has no annual fees. You also get 0% interest on balance transfer purchases within the first 15 billing cycles.
You’ll get unlimited 2% cashback on purchases made every day at gas stations and grocery shops, as well as 1% cashback on all other purchases. You can redeem your rewards for cash, check, direct deposits and merchandise.
The U.S. Bank cash+TM Visa Signature(r), Card allows you to maximize your cash back rewards and enjoy an easy-to use credit card.
HSBC Cash Rewards Mastercard (r) credit card
The HSBC Cash Rewards Mastercard (r) is a great option for anyone who needs an all-purpose credit cards. This card allows you to earn 1.5% cashback on all purchases, without caps or limits.
You’ll receive $150 credit if you make eligible purchases within the first three months after your account opening.
New cardholders will receive a 0% introductory rate on balance transfers for the first 12 month after they make their first transfer. After that, the APR changes to a variable 13.24% APR.
There are no annual fees and identity theft protection is available. The rewards program for the HSBC cash rewards mastercard(r) credit cards is flexible. In exchange for cash rewards, your qualified HSBC Premier account could receive a statement credit or a withdrawal.
These can be used to purchase merchandise, gift cards, vacations, or other items. Your incentives will never expire as long as you have an active account.
With the HSBC Cash Reward Mastercard(r), you can manage your account online and through their mobile app. This credit card offers a variety of security and purchase options to help you protect your finances.
If you are looking for an all-purpose card, the HSBC Cash Reward Mastercard(r), could be a great choice.
BB&T Card Bright(r)
SunTrust Prime Rewards Visa (r) Signature Credit card