Find the Best 0 APR Credit Card Offer
Banks often offer 0% APR Credit Cards usually using the promise of credit with no interest charge as a way to attract customers to apply for their card. 0% APR credit cards allow customers to make purchases on the card without paying interest. This low rate is almost always an introductory rate lasting for periods of six months to a year and then the regular interest rate will start.
When choosing a credit card that has a 0% APR as an introductory offer, consumers should look carefully for details about what the interest rate will be once the introductory period has ended. Consumers should also compare the different benefits of the 0% APR offers to choose the credit card with the best benefits, and lowest fees.
A smart strategy for taking advantage of these 0% APR credit cards would be to transfer a balance from a high interest rate card to facilitate paying it off, or they could also be useful for short-term borrowing for a specific purchase with a plan to pay it off before the full interest rate begins.
Online Applications for 0 APR Credit Cards
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Ink℠ with Ultimate Rewards℠
- Cash back plus a million other redemption options
- No dollar goes unrewarded
- No caps and points never expire
- Unlimited rewards for you or your business
- When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points*
- No annual fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | As low as 11.24% (V) | Any | $0 |
Discover® Open Road Card
- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.99% - 20.99% (V)* Variable | Very Good | $0 |
Chase Freedom℠ Visa
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 12.99% - 22.99% (V) Variable | Any | $9999 |
Slate℠ from Chase
- 0% intro APR for up to 12 months.
- No Annual Fee.
- New innovative card design.
- BlueprintSM free and customizable account features that help you avoid unnecessary interest and pay your balances down faster
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.24%, 17.24%, 22.24% Variable | Any | $0 |
Discover® More Card - Black
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.99% - 20.99% (V)* Variable | Very Good | $0 |
TrueEarnings® Card from Costco and American Express
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 15.24% Variable | Any | $0 |
IberiaBank Visa® Select Card
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
- Online access to credit card account information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 7.50% Variable | Any | $45 |
Discover® Open Road Card for Students
- Double Cashback Bonus at any gas station and any restaurant (yes, even on those infamous 1 AM burritos.)
- Hello 5% to 20% Cashback Bonus at our exclusive online mall; goodbye mall-walkers.
- Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.
- Turn your Cashback Bonus into even bigger rewards by redeeming for gift cards or eCertificates from more than 100 brand-name retailers.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 13.99%* Variable | Any | $0 |
Discover® More Card - $75 Cashback Bonus
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.99% - 20.99% (V)* Variable | Very Good | $0 |
Blue Sky from American Express®
- 0% Intro APR for 6 Months on Purchases
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 17.24%-21.24% Variable Variable | Any | $0 |
Public Savings Bank Classic Secured VISA Card
- Build Credit History - We Report to All 3 Major Credit Bureaus
- 0% APR on All Purchases for the First 6 Months
- No Annual Fees or Monthly Maintenance Fees
- No Credit Check
- No Checking Account Required
- Your Credit Is Not a Factor!
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.24% Variable | Any | $0 |
Discover® Mix Tape Student Card
- Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 13.99%* Variable | Any | $0 |
Blue Cash® from American Express
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for 6 Months on Purchases
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 17.24%-21.24% Variable Variable | Any | $0 |
