0% APR Credit Cards

Credit cards with a 0% APR can be a great way to save, and we make it easy to compare the latest offers, including introductory offers up to 21 months long. 0% intro APRs on purchases can be great if you're planning a big ticket purchase, like a home remodel or a honeymoon. A low rate balance transfer card can be a great way to consolidate balances. Check out the 0% credit cards from our partners, pick the one that's right for you and apply online.

See offers from our partners below.

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 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.74% - 24.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
  • See additional Chase Slate® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.74% - 24.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness
  • Please note, there is a fee for balance transfers
  • No annual fee
  • See additional Barclaycard CashForward™ World Mastercard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months (on balance transfers made within 45 days of account opening)
    Regular APR
    15.74%, 20.74% or 25.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • See additional Discover it® details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 6 months
    Balance Transfers Intro APR
    0% for 18 months
    Regular APR
    11.74% - 23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
  • See additional Citi® Double Cash Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
888-252-3753


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 18 months*
    Regular APR
    14.24% - 24.24%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent/Good
  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.65% - 23.65% (V)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • New! Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far™ Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Propel American Express® Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.74%-25.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.74% - 23.74% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional BankAmericard Travel Rewards® Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-915-7732


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR for 12 billing cycles
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.74% - 23.74% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.24%-24.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit on the amount of points you can earn with this card
  • No annual fee*
  • See additional Citi ThankYou® Preferred Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-266-0895


Credit Needed
Excellent Credit
  • Purchases Intro APR
    0%* for 12 months*
    Balance Transfers Intro APR
    0%* for 12 months*
    Regular APR
    14.24% - 24.24%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See additional The Amex EveryDay® Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-217-0904


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% on Purchases for 12 months
    Balance Transfers Intro APR
    0% on Balance Transfers for 12 months
    Regular APR
    13.74%-23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
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