The 2 Best Zero Interest Credit Cards for Ringing in 2019

These cards will take the sting out of heavier spending during the holidays with zero percent interest on balances for a whopping 18 months.

The 2 Best Zero Interest Credit Cards for Ringing in 2019 Photo by Dragon Images /

This is such an expensive season! Many of us ring up big bills compared with the rest of the year. We’re splurging on gifts and groceries and entertaining — maybe even some last-minute repairs before houseguests arrive. For some, this is also the time to book travel for a getaway when the holiday is over and the winter drags on.

This seasonal bulge in spending is why it’s great to have a card with a generous zero-percent introductory window — so we can pay it off painlessly and interest-free. In the spirit of the season, here are two of the very best such cards on offer right now.

Wells Fargo Platinum Visa

Why we like it: The single most important thing about this card is that it offers a long interest-free runway — 18 months — to pay off your purchases and balance transfers.

More features:

  • Enjoy zero percent interest for 18 months on both purchases and balance transfers* that are made within the first 120 days of opening the account. (That’s well into 2020 if you sign up now.)
  • Pay no annual fee.
  • Get easy access to your FICO credit score.
  • Use your card to pay your cellphone bill and get $600 protection against damage or theft of your mobile device.

*Note: There is a fee for transferring a balance to this card. Do the math first to make sure that transferring makes sense for you.

See more details and compare with other deals here.

HSBC Gold Mastercard

Why we like it: This card also offers interest-free introductory period for a year and a half — awesome if you need some time to pay off purchases or balance transfers.* It has some other nice perks as well.

More details:

  • Pay no interest on balances or transfers for the 18-month introductory period.
  • Pay no annual fee.
  • Pay no foreign transaction fee.
  • Late fee waiver.

Note: This card has a fee for balance transfers — either $10 or 4 percent, whichever is greater.

Click here for more details and to compare offers.

Whatever you need in a credit card — balance transfer, low interest rate, travel rewards points, you name it — you can find it in our credit card search tool. Click here to explore.


User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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