Home » Card Types » 0 APR
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
These online credit card applications keep your personal data safe by utilizing SSL technology.
Recommended 0 APR Credit Card
The IberiaBank Visa® Classic Card is one of the most popular 0 APR cards available. Your Credit Advisor recommends it as our favorite in this category.
|
|
- No Annual Membership Fee
- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 8.75%* Variable |
None |
$0 |
|
|
- 0% APR* on Balance Transfers and Purchases 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.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 11.99% Variable |
Very Good |
$0 |
|
|
- 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
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% Variable |
Very Good |
$0 |
|
|
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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 CBB Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% Variable |
Very Good |
$0 |
|
|
- 12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- No Annual Fee
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% Variable |
Very Good |
$0 |
|
|
- 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
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
As low as 11.99% Variable |
Very Good |
$0 |
|
|
- Earn 20,000 Bonus SkyMiles® (Including 5,000 Medallion Qualification Miles) After First Purchase and Another 2,500 for Adding an Additional Cardmember
- Earn One Companion Coach Class Ticket Each Year Upon Renewal
- Earn at Least 1 Mile for Every Eligible Dollar Spent
- Miles Never Expire and There is No Cap on the Miles You Can Earn
- Pay with Miles: Pay for All or Part of Your Flight with Miles and Put the Rest on Your Card
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now at American Express's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
13.24% Variable |
Very Good |
$150 |
|
|
- 0% APR* on Purchases and Balance Transfers for 6 Months
- 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.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
17.24% Variable |
Very Good |
$0 |
|
|
- 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
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% Variable |
Very Good |
$0 |
|
|
- 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
- Read our review or apply online now at the card issuer's Web site.
|
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% Variable |
Very Good |
$0 |
Next Page (Cards 11–25) »
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.
