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
These online credit card applications keep your personal data safe by utilizing SSL technology.
Citi® Platinum Select® MasterCard®
- 0% APR* on Balance Transfers and Purchases for Up To 12 Months
- No Annual Fee
- Citi® Identity Theft Solutions
- $0 Liability on Unauthorized Purchases
- Secure, Free Online Account Management
- Extra Cash from Citi: Enjoy Significant Discounts on Gift Cards, Travel, Merchandise, and More.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | As low as 11.99% | Very Good | $0 |
Public Savings Bank Secured Black Card
- 0% APR for 6 Months on All Purchases
- Unauthorized Use Protection
- As Low as $300 Minimum Deposit FDIC Insured Account
- Up to $1M Credit Limit
- Income, Credit and Employment Not a Factor
- We Report to All 3 Major Credit Bureaus Within 30 Days of the First Statement Cycle
- Worldwide Acceptance
- *Terms and Conditions Apply
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.24% Variable | Any | $0 |
Discover® Student Card
- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 14.99% | Very Good | $0 |
Discover® Open Road(SM) Card for Students
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 14.99% | Any | $0 |
Discover® Student Card - Clear
- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 14.99% | Any | $0 |
IberiaBank Visa® Classic Card
- No Annual Membership Fee
- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | As low as 8.75%* | Any | $0 |
Discover® Student Card - Monogram Collection
- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 14.99% | Any | $0 |
Discover® Open Road(SM) Card
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.99% Variable | Very Good | $0 |
Discover® Student Card - Tropical Beach
- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 14.99% | Any | $0 |
Platinum Delta SkyMiles® Credit Card from American Express
- Earn 20,000 Bonus SkyMiles® (Including 5,000 Medallion Qualification Miles) After First Purchase and Another 2,500 for Adding an Additional Cardmember
- Earn One Companion Coach Class Ticket Each Year Upon Renewal
- Earn at Least 1 Mile for Every Eligible Dollar Spent
- Miles Never Expire and There is No Cap on the Miles You Can Earn
- Pay with Miles: Pay for All or Part of Your Flight with Miles — and Put the Rest on Your Card
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.24% Variable | Very Good | $150 |
IberiaBank Visa® Gold Cash Back Rewards Card
- Earn 1% in Cash Back Credit on All Qualifying Purchases
- No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
- Travel Accident Coverage Up to $500,000
- No Annual Membership Fee
- Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | As low as 9.75%* | Good | $0 |
Discover® More(SM) Card - Sealife Collection
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
Citi® mtvU™ Platinum Select® Visa® Card for College Students
- 0% APR* on Purchases and Balance Transfers for 6 Months
- Earn 5 ThankYou® Points for Every Dollar You Spend at Restaurants, Bookstores, Record Stores, Movie Theaters, and Video Rental Stores
- Earn 1 ThankYou Point For Every Dollar You Spend on All Other Purchases
- Earn 25 ThankYou Points Every Month When You Pay on Time and Don't Go Over Your Credit Limit
- Earn Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
- Redeem Points for Gift Cards, Travel, Electronics, Music, and More
- No Annual Fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 17.24% Variable | Very Good | $0 |
Escape by Discover® Card
- 25,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase the First 25 Months
- Unlimited Double Miles on All Purchases
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 2 Additional Miles for Every $1 You Spend Through ShopDiscover, Our Exclusive Online Shopping Site
- Enhanced Travel Benefits
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- $60 Annual Fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Any | $60 |
Citi Forward(SM) Card
- The Credit Card That Rewards You for Your Good Behavior
- Up to a 2% Purchase APR Reduction When You Make a Purchase, Stay Under Your Credit Line and Pay on Time 3 Billing Periods in a Row.
- 6,000 Bonus Points After $50 in Purchases are Made Within 3 Months of Account Opening.
- 5,000 Bonus Points When You Sign Up for Paperless Statements Within 3 Months of Account Opening.
- 5 Reward Points for Every $1 You Spend on Dining, Books, Movies and Music. 1 Reward Point for Every $1 You Spend on Other Purchases.
- 0% APR for 6 Months on Purchases and Balance Transfers.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 14.24% Variable | Any | $0 |
Discover® More(SM) Card
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | As low as 11.99% | Very Good | $0 |
Discover® More(SM) Card - Wildlife Collection
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
Visa Black Card
- Limited Membership to Only 1% of U.S. Residents
- World-Class 24-Hour World-Class Concierge Service
- Earn Cash Back or Points in the Exclusive Rewards Program
- Enjoy Luxury Gifts from the World's Top Brands
- Made of Patent Pending Carbon Graphite
- Annual Fee of $495
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.24% Variable | Data | $495 |
Discover® More(SM) Card - Monogram
- Earn More Cash in More Ways Than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards With More than 80 Cashback Bonus® Partners*
- 0% Intro APR*
- Choose Your Personalized Design
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
Miles by Discover® Card
- 12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- No Annual Fee
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
Citi Forward(SM) Card for College Students
- The Credit Card that Rewards You for Good Behavior.
- Up to a 2% Purchase APR Reduction When You Make a Purchase, Stay Under Your Credit Line, and Pay on Time 3 Billing Periods in a Row.
- 6,000 Bonus Points After $50 in Purchases are Made Within 3 Months of Account Opening.
- 5,000 Bonus Points When You Sign Up for Paperless Statements Within 3 Months of Account Opening.
- 5 Reward Points for Every $1 You Spend on Dining, Books, Movies and Music. 1 Reward Point for Every $1 You Spend on Other Purchases.
- 0% APR for 6 Months on Purchases and Balance Transfers.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 17.24% Variable | Any | $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 - 3% for Annual Gasoline Purchases of Up To $3000 (1% Thereafter), 3% for Restaurants, 2% for Travel, 1% Everywhere Else
- 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% | 13.24% Variable | Any | $0 |
Discover® More(SM) Card - Clear
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
Discover® More(SM) Card- American Flag
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
Biodegradable Discover® More Card
- Help Protect the Planet with the New Biodegradable Discover Card
- Card Plastic Breaks Down 99% Within Five Years in Landfill Conditions
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | as low as 11.99% | Very Good | $0 |
IberiaBank Visa® Platinum Rewards Card
- Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
- Turn Your Points Into Hotel, Gift, or Experience Rewards
- Travel Accident Coverage Up to $1,000,000
- No Annual Membership Fee
- Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | As low as 9.75%* | Very Good | $0 |
