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 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® Pay with Points to pay 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 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions 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% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.49%-23.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Great Offer for U.S. Bank Customers.
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.49%-21.49%*
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • Zero fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
  • See additional U.S. Bank Visa® Platinum Card details
 APPLY NOW

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0%* for 15 billing cycles*
    Balance Transfers Intro APR
    0%* for 15 billing cycles*
    Regular APR
    10.49% - 21.49%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Luxury Card's
secure site

Credit Needed
Excellent Credit
  • Stainless Steel/Carbon Card -Patented Design
  • Industry-Leading Rewards
  • Double Points Value When Redeemed for Airfare
  • 1.5% Value for Cash Back Statement Credit Redemptions
  • Luxury Card Concierge™
  • $100 Annual Airline Credit Toward Qualifying Airline Purchases
  • Members-Only Luxury Magazine and Luxury Gifts
  • Annual Fee: $495 ($195 for each additional account)
  • See additional MasterCard® Black Card™ details
 APPLY NOW

at Luxury Card's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.49% Variable
    Annual Fee
    $495
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.49%-22.49% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
  • See additional Citi® Diamond Preferred® Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-342-7930


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0%* for 21 months*
    Balance Transfers Intro APR
    0%* for 21 months*
    Regular APR
    12.49%-22.49%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. Plus, unlimited 1% cash back on all your 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 and online.
  • No annual fee.
  • See additional Discover it® chrome details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.49% - 23.49% 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
    13.40% - 23.40% (V)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent/Good
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers.
  • See additional Barclaycard Arrival Plus™ World Elite MasterCard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months (on balance transfers made within 45 days of account opening)
    Regular APR
    16.49%, 20.49% or 23.49% Variable
    Annual Fee
    $89 - Waived first year
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $7 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.49% - 23.49% Variable APR. 3% fee (min $10) applies to balance transfers.
  • See additional Susan G. Komen® Credit Card details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Intro APR for 12 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.49% - 23.49% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • Choose your favorite team & show your pride – all 30 teams available.
  • Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
  • No annual fee.
  • See additional NHL® Discover it® Card details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.49% - 23.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • See additional Capital One® Quicksilver® Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 9 months
    Balance Transfers Intro APR
    0% intro on balance transfers for 9 months
    Regular APR
    13.49% - 23.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
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