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 $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 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 Apply.
  • See additional Blue Cash Preferred® Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6641


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
    $95
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee...ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49% - 23.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
  • See additional Citi Simplicity® Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-328-9712


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0%* for 21 months*
    Balance Transfers Intro APR
    0%* for 21 months*
    Regular APR
    13.49% - 23.49% (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Luxury Card's
secure site

Credit Needed
Excellent Credit
  • Brushed Stainless Steel/Carbon Card-Patented Design
  • Industry-Leading Rewards
  • Double Points Value When Redeemed for Airfare
  • 1% Value for Cash Back Statement Credit Redemptions
  • Luxury Card Concierge™
  • Members-Only Luxury Magazine
  • Annual Fee: $195 ($95 for each additional account)
  • See additional MasterCard® Titanium 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
    $195
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • For a limited time, earn even more cash back: Earn up to $500 cash back as statement credits.
  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See additional SimplyCash® Plus Business Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
866-474-2158


Credit Needed
Excellent Credit
  • Purchases Intro APR
    0% for 9 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.74% - 19.74% Variable
    Annual Fee
    No annual fee
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Citi's
secure site

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 13.49% - 23.49% 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

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 18 months*
    Regular APR
    13.49% - 23.49%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Limited Time Offer: 10X points at U.S. restaurants for the first six months, on up to $2,000 in purchases. Offer expires 02/01/2017.
  • 2X points on all qualifying purchases on the first $50,000 for the first year. That's an additional 1 point per dollar spent on purchases.
  • 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership.
  • Get a 30% annual points bonus based on the past year's purchases on your Blue for Business Card.
  • 0.0% introductory APR on purchases for 12 months, then a variable rate, currently 11.74%, 15.74% or 19.74%, based on your creditworthiness as determined at the time of account opening.
  • No Annual Fee
  • Terms & Conditions Apply
  • See additional The Blue for Business® Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
866-280-1249


Credit Needed
Excellent Credit
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    11.74% - 19.74% Variable
    Annual Fee
    No annual fee
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Luxury Card's
secure site

Credit Needed
Excellent Credit
  • 24K-Gold-Plated/Carbon Card -Patented Design
  • Industry-Leading Rewards
  • Double Points Value When Redeemed for Airfare
  • 2% Value for Cash Back Statement Credit Redemptions
  • Luxury Card Concierge™
  • $200 Annual Airline Credit Toward Qualifying Airline Purchases
  • Members-Only Luxury Magazine and Luxury Gifts
  • Annual Fee: $995 ($295 for each additional account)
  • See additional MasterCard® Gold 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
    $995
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 15,000 bonus points after $1,000 in purchases made with your card in the first 3 months the account is open.*
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou® Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou® Point on other purchases
  • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards and gift cards.
  • 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
    13.49% - 23.49%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 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 through amextravel.com.
  • 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® Preferred Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6742


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
    $95
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

Credit Needed
Excellent/Good
  • Earn 5,000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
  • No annual fee and no annual fee for Additional Cards.
  • 3 Plenti points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1 point), 2 points at U.S. restaurants and 1 point on other purchases. Terms apply.
  • Earn points in addition to what you can with the Plenti® rewards program. Learn More.
  • Use Plenti® points for things you already buy at AT&T company-owned stores, Rite Aid and more! Terms and limitations apply.
  • Terms and Conditions apply.
  • See additional The Plenti® Credit Card from Amex details
 APPLY NOW

at American Express's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.49%-25.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
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