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Find the Best 0% APR Credit Card Offer
The annual percentage rate, or APR, tells you what kind of interest rates you will be paying if you carry a balance on your card from month to month, transfer a balance from a different credit card, or take a cash advance.
Credit cards issuers that offer a 0% APR credit card allow their customers to make purchases without charging them interest. This is usually an introductory rate for new customers and lasts for a designated period of time, often six months to a year. After the introductory period is over, a normal APR will go into effect.
Finding a good a 0 APR credit card offer can be a great way to pay down the balance on existing high interest cards without paying a lot of fees. Simply transfer the balance from a high interest card to a new 0 APR credit card account. Just make sure that you pay off the balance before the introductory 0 APR ends.
Online Applications for 0 APR Cards
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Recommended 0 APR Credit Card
The Ink℠ with Ultimate Rewards℠ is one of the most popular 0 APR cards available. Your Credit Advisor recommends it as our favorite in this category.
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- 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 at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 11.24% (V) |
None |
$0 |
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- 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*
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 19.99%* (Variable) |
Very Good |
$0* |
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- No Cosigner Required
- 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 Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 7 Months* |
12.99% - 21.99%* (Variable) |
Very Good |
$0 |
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- Earn $50 Bonus Cash Back after first purchase
- 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 at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 12 months on balance transfers, 6 months on purchases* |
12.99% - 22.99% (V) |
None |
$0 |
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- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
- Concierge Service that Caters to Your Needs 24/7
- Citi® Identity Theft Solutions
- Secure, Free Online Account Management
- No Annual Fee*
- Apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 12 Months* |
14.99%* (Variable) |
None |
$0* |
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- 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 at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months* |
13.24%, 17.24%, 22.24% |
None |
$0 |
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- 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 at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
11.24% |
None |
$0 |
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- 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 at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Interest* for 6 Months |
as low as 13.99%* Variable |
None |
$0 |
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- 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 at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
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- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases for 6 months |
17.24%-21.24% Variable |
None |
$0 |
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The credit card information shown here is provided by . Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
