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 Purchases and Balance Transfers for up to 15 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 or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 15 Months |
As low as 11.99% Variable |
Very Good |
$0 |
Citi® mtvU™ Platinum Select® Visa® Card for College Students
- 0% APR on Purchases for 7 Months, If You Qualify, Based on Your Application and Credit History
- 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 or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 7 months if you qualify |
As low as 17.24% Variable |
Very Good |
$0 |
Blue Cash® from American Express
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for Up to 6 Months on Purchases
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months |
As low as 17.24%* |
Any |
$0 |
Blue from American Express®
- 0% Intro APR for 6 Months on Purchases
- No Annual Fee
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 15.24%* |
Any |
$0 |
Chase Freedom℠
- 3% Bonus Cash Back Offers in Popular, Rotating Categories Like Gas, Home Improvement and Department Stores
- Full 1% Cash Back on Everything Else - No Spending Tiers or Caps on How Much You Can Earn
- Up to an Additional 20% Cash Back at Select Merchants When You Shop Online Through Chase
- 0% Intro APR and No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months on Purchases* |
12.99%, 17.99%, or 22.99% |
Any |
$0 |
Blue Sky from American Express®
- 0% Intro APR for Up to 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 or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 17.24% |
Any |
$0 |
Discover® Open Road(SM) Card
- Double Cashback Bonus at any gas station and any restaurant
- 5% to 20% Cashback Bonus at top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
- Redeem for Partner gift cards, merchandise, Discover (R) gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% |
Very Good |
$0 |
Discover® More® Card - Shamrock
- 0% APR on Purchases for a FULL 9 months
- 0% APR on Balance Transfers for a FULL 12 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR |
as low as 12.99% |
Very Good |
$0 |
Discover® More® Card - Monogram
- 0% APR on Balance Transfer for a FULL 12 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR |
as low as 12.99% |
Very Good |
$0 |
Slate℠ from Chase
- 0% Intro APR for up to 12 Months*
- No Annual Fee*
- Pay Down Balances on Your Terms with BlueprintSM
- Zero Liability on Unauthorized Purchases
- E-mail and Text Alerts
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months* |
13.24%, 17.24%, or 22.24% |
Any |
$0 |
Discover® More® Card - $50 Cashback Bonus®
- 0% APR on Balance Transfers for a FULL 12 months
- 0% APR on Purchases for a FULL 6 months
- Get $50 Cashback Bonus after your first $599 in purchases
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR |
as low as 12.99% |
Very Good |
$0 |
Citi Forward® 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 $250 in Purchases are Made Within 3 Months of Account Opening.
- 2,500 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 7 Months on Purchases and Balance Transfers.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 7 Months |
14.24% Variable |
Any |
$0 |
Citi Forward® 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
- 3,500 Bonus Points After $250 in Purchases are Made Within 3 Months of Account Opening
- 2,500 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 7 Months on Purchases
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 7 Months |
17.24% Variable |
Any |
$0 |
Public Savings Bank Classic Secured VISA Card
- 0% APR for 6 Months on Purchases
- No Annual Fee
- We Report to All 3 Credit Bureaus
- No Minimum Credit Score, No Income/Employment Verifications
- 25 Day Grace Period
- Use the Card Everywhere You See the Visa® Logo
- Lifetime Credit limit up to $10,000
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
11.24% |
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 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 or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
15.24% |
Any |
$0 |
Visa Black Card
- Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs.
- Receive 1% cash back on all purchases with Black Card's Exclusive Rewards Program.
- Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements.
- Cardmembers receive luxury gifts from some of the world's top brands.
- Complimentary membership which provides access to over 600 lounges in more than 100 countries.
- Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember.
- Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Billing Cycles |
13.24% |
|
$495 |
Discover® Open Road(SM) Card for Students
- 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 or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Interest* for 6 Months |
14.99% |
Any |
$0 |
