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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 Blue from American Express® 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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- 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.
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 15.24%* Variable |
None |
$0 |
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- 0% APR* on Purchases and Balance Transfers 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.
- 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% APR for up to 12 Months |
As low as 11.99% Variable Variable |
Very Good |
$0 |
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- 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
- 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% APR for 7 months if you qualify |
As low as 17.24% Variable Variable |
Very Good |
$0 |
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- 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 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%, or 22.24% Variable |
None |
$0 |
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- 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 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% Variable |
None |
$0 |
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- 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 at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Interest* for 6 Months |
14.99% Variable |
None |
$0 |
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- 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 at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% Variable |
Very Good |
$0 |
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- 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 at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 17.24% Variable |
None |
$0 |
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months |
As low as 17.24%* Variable |
None |
$0 |
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- 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 at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months on Purchases* |
12.99%, 17.99%, or 22.99% 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.
