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.
CitiBusiness ThankYouSM Card
- Designed for businesses with an established credit history
- Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable
- Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories
- Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash
- No limit to the amount of points you can earn on purchases and points don't expire
- No Annual Fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0%* on purchases for 6 months* |
13.24%* (Variable) |
|
N/A |
SimplyCash® Business Card from American Express
- With no annual membership fee, it's a smart choice for your business
- Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
- Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%.
- Terms and limitations apply
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases for 6, 9, or 12 months on purchases for 6-12 months |
12.24% - 19.24% Variable |
Excellent |
N/A |
Capital One® SparkSM Miles Select for Business
- Get a 50% bonus on the miles you earn every year
- Earn 1 mile per dollar on every purchase, every day
- Save with 0% intro APR on all purchases until November 2013
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- There’s no limit to the amount of miles you can earn and miles don’t expire
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases until November 2013 |
12.9% - 20.9% (V) |
|
$0 |
Capital One® SparkSM Cash Select for Business
- Get a 50% bonus on the cash back you earn every year
- Earn 1% cash back on every purchase, every day
- Save with 0% intro APR on all purchases until November 2013
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don’t expire
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases until November 2013 |
12.9% - 20.9% (V) |
|
$0 |
CitiBusiness ThankYou℠ Card
- Designed for businesses with an established credit history
- Earn 15,000 bonus ThankYou(R) points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
- Earn 3 ThankYou(R) points for every dollar you spend on eligible purchases in rotating business categories.
- Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
- No limit to the amount of points you can earn on purchases and points don't expire.
- No annual fee *
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% introductory APR on purchases for 6 months |
13.24% (Variable) |
|
There is no annual fee for this card |
Ink℠ Classic Business
- Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 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 on purchases and balance transfers
- 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 |
|
There is no annual fee for this card |
Ink Cash℠ Business Card
- Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within the first 3 months!
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
- 0% Introductory APR for 6 months on purchases and balance transfers
- 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 |
|
There is no annual fee for this card |
Ink Plus℠ Business Card
- 25,000 bonus points after your first purchase - That's $250 in rewards of your choice. Plus, 25,000 additional bonus points after you spend $10,000 within 3 months of opening your account, and points do not expire.
- With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full.
- Earn 5x points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet and cable TV services.
- Earn 2x points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel.
- No Foreign Transaction Fees.
- Free Employee Cards.
- Transfer points you've earned to participating frequent travel programs 1:1 at a value.
- Save with a 0% Intro for 6 months on purchases and balance transfers.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% fixed Intro APR for the first 6 months |
13.24% Variable |
|
$0 Intro fee for the first year. After that, $95 |
Ink℠ Classic Business
- Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 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 on purchases and balance transfers
- 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 |
|
There is no annual fee for this card |
Ink Cash℠ Business Card
- Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within the first 3 months!
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
- 0% Introductory APR for 6 months on purchases and balance transfers
- 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 |
|
There is no annual fee for this card |
Ink Plus℠ Business Card
- 25,000 bonus points after your first purchase - That's $250 in rewards of your choice. Plus, 25,000 additional bonus points after you spend $10,000 within 3 months of opening your account, and points do not expire
- With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full
- Earn 5x points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet and cable TV services
- Earn 2x points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- No Foreign Transaction Fees
- Free Employee Cards
- Transfer points you've earned to participating frequent travel programs 1:1 at a value
- Save with a 0% Intro for 6 months on purchases and balance transfers
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% fixed Intro APR for the first 6 months |
13.24% Variable |
|
$0 Intro fee for the first year. After that, $95 |
Ink Classic® Business Card
- Reward yourself with 20,000 Bonus Points worth $200 in Ultimate Rewards after you spend $3,000 in the first 3 months from account opening
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 1 point per dollar on all other card purchases with no limit on the amount you can earn
- 0% introductory APR for 6 months on purchases and balance transfers
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| Introductory 0% APR on purchases and balance transfers for 6 months. |
13.24% Variable |
|
There is no annual fee for this card |
Ink Cash® Business Card
- Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
- 0% introductory APR for 6 months on purchases and balance transfers
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases and balance transfers for 6 months |
13.24% (Variable) |
|
$0 |
CitiBusiness ThankYou℠ Card
- Designed for businesses with an established credit history
- Earn 25,000 bonus ThankYou Points after you spend $3,000 in purchases within the first 3 months of cardmembership*
- Earn an additional 25,000 bonus ThankYou Points after you make an additional $3,000 in purchases within the next 3 months of cardmembership - offer ends 12/20/12*
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable.*
- Earn 3 ThankYou® points for every dollar you spend on eligible purchases in quarterly rotating business categories.
- Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
- No limit to the amount of points you can earn on purchases and points don't expire.*
- No annual fee *
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR on purchases for 6 months |
13.24%* (Variable) |
|
N/A |
Iberiabank Visa® Select Card
- 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.
- Intro APR on Balance Transfers of 1.99% for the first 12 billing cycles. After that, 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% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- 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% or 7.5% on purchases for 12 months and 1.99% on balance transfers for 12 billing cycles |
7.50%, 9.50%, or 11.50% |
|
$35 |
Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases and balance transfers for 14 months |
10.99% - 22.99% (V)* |
|
$0 |
Citi Simplicity® Card
- 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.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0%* on purchases and balance transfers for 18 months* |
12.99% - 21.99%* (Variable) |
|
$0* |
Citi Simplicity® Card
- 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.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0%* on purchases and balance transfers for 18 months* |
12.99% - 21.99%* (Variable) |
|
$0* |
Citi ThankYou® Preferred Rewards Card
- Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
- 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on all purchases
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0%* on purchases for 12 months* and 0% on balance transfers for 12 months* |
12.99%-22.99%* (Variable) |
|
$0* |
Citi Forward® Card for College Students
- No Cosigner required
- 5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.
- APR reduction on purchases when using credit wisely
- 100 ThankYou Points each billing period that you pay on time and stay under your credit line.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0%* on purchases for 7 months* |
13.99%-23.99%* (Variable) |
|
$0* |
