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℠ Classic Business - Up to 25,000 Bonus Points

Ink℠ Classic Business - Up to 25,000 Bonus Points Apply Now
  • 25,000 bonus points after you spend $5,000 in the first 3 months!*
  • 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
  • 2X points per dollar on the first $25,000 spent annually on fuel and dining*
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn*
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months*
  • No Annual Fee
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% APR for 6 Months 13.24% Any $0

SimplyCash® Business Card from American Express OPEN

SimplyCash® Business Card from American Express OPEN Apply Now
  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
  • No annual membership fee
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% APR for Up to 12 Months 12.24% - 19.24% Variable Very Good $0

CitiBusiness® World Card

CitiBusiness® World Card Apply Now
  • Designed for businesses with an established credit history
  • $100 gift card - when you redeem the 10,000 bonus ThankYou(R) points received after $300 in purchases within 3 months of account opening
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
  • 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases
  • Earn rewards for your business expenses, including purchases made on employee cards
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee *
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 6 months* 13.24% Variable Excellent $0

Ink Cash℠ Business Card

Ink Cash℠ Business Card Apply Now
  • $250 cash back bonus after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
  • 2% cash back on the first $25,000 spent annually on gas and dining
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months*
  • No Annual Fee*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Introductory APR for 6 Months 13.24% Any $0

AT&T Universal Business Rewards Card

AT&T Universal Business Rewards Card Apply Now
  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
  • Additional cards for employees with credit limits you set
  • No Annual Fee*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 6 Months 14.24% Variable Any $0

Citi® Platinum Select® MasterCard®

Citi® Platinum Select® MasterCard® Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 11.99% - 21.99%* (Variable) Very Good $0*

Blue Cash Everyday(SM) Card from American Express

Blue Cash Everyday(SM) Card from American Express Apply Now
  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% intro APR for 12 months. 17.24%-22.24% Variable Any $0

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR Apply Now
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
12 months on balance transfers, 6 months on purchases As low as 11.99% Variable Any $0

Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card Apply Now
  • 0% intro APR until May 2013 on balance transfers
  • 0% intro APR until May 2013 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro on Purchases and Balance Transfers Until May 2013 10.9% - 18.9% (V) Excellent $0

Citi® Dividend Platinum Select® Card for College Students

Citi® Dividend Platinum Select® Card for College Students Apply Now
  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 7 Months* 13.99% - 21.99%* (Variable) Very Good $0*

Blue Sky from American Express®

Blue Sky from American Express® Apply Now
  • No annual fee
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
  • Pay your bill all at once, or over time. It's up to you.
  • Blue Savings Program™: big deals on big brands, all the time
  • Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
  • Get approved in 60-seconds
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% intro APR for 12 months. 17.24%-22.24% Variable Any $0

IberiaBank Visa® Select Card

IberiaBank Visa® Select Card Apply Now
  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. 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.
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
  • Online access to credit card account information
  • Low Annual Fee of $35.00.
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0.00% or 7.50% for 12 Months on Purchases 7.50%, 9.50% or 11.50% Any $35

Citi Simplicity® Card

Citi Simplicity® Card Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Interest for 18 Months 12.99% - 21.99% (Variable) Any $0*

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back Apply Now
  • $100 cash back after $500 in purchases within the first 3 months of account opening.
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances
  • No Annual Fee*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 12 Months* 12.99% - 22.99%* (Variable) Very Good $0*

Escape by Discover® Card

Escape by Discover® Card Apply Now
  • Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 10.99% - 16.99% (V)* Any $60

Discover® More Card - 18 Month Promotional Balance Transfer

Discover® More Card - 18 Month Promotional Balance Transfer Apply Now
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 10.99% - 20.99% (V)* Very Good $0

Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration

Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration Apply Now
  • Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
  • 0% Intro APR for up to 15 months - a variable APR as low as 11.99% -21.99% after your 0% ends
  • Slate with Blueprint® helps you pay down your balances faster and save on interest
  • Transfer your higher rate balances
  • No Annual Fee
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
15 months for purchases and balance transfers or 6 months balance transfers only 11.99% - 21.99% variable Any $0

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R).
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 11.99% - 21.99%* (Variable) Excellent $0*

Miles by Discover® Card

Miles by Discover® Card Apply Now
  • Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 10.99% - 16.99% (V)* Very Good $0

Discover® Open Road Card - $150 Restaurant.com Gift Certificate

Discover® Open Road Card - $150 Restaurant.com Gift Certificate Apply Now
  • Receive a $150 Restaurant.com Gift Certificate with first purchase
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 10.99% - 20.99% (V)* Very Good $0