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Wednesday, October 1st 2014

0% APR Credit Cards

The primary benefit of a 0% APR credit card is the introductory 0% APR interest rate. This rate is available anywhere from 6 to 18 months or more from when the credit card account is opened. Depending on the card offer, it will be applied to new purchases, balance transfers or both. Compare 0% credit cards from our partners and apply online.

Capital One® VentureOne® Rewards Credit Card
Email offer
Capital One VentureOne Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-799-2845

Capital One VentureOne Rewards Credit Card
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 09/2015 N/A N/A 11.9% - 19.9% (V) $0 Excellent/Good

Citi® Diamond Preferred® Card
Email offer
Citi Diamond Preferred Card

At Citi's
secure site

--OR--

Call Citi at
877-342-7930

Citi Diamond Preferred Card Application
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • See complete Citi® Diamond Preferred® Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 months* 0%* 18 months* 11.99%-21.99%* (Variable) $0* Excellent Credit

Discover it®
Email offer
Discover it

At Discover's
secure site

--OR--

Call Discover at
877-419-9478

Discover it Application
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 months 0% 18 months 10.99% - 22.99% Variable* $0 Excellent Credit

Citi® Double Cash Card
Email offer
Citi Double Cash Card

At Citi's
secure site

--OR--

Call Citi at
888-252-3753

Citi Double Cash Card Application
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, 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 only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
  • See complete Citi® Double Cash Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 15 months* 0% 15 months* 12.99% - 22.99%* (Variable) $0* Excellent Credit

Citi Simplicity® Card
Email offer
Citi Simplicity Card Application

At Citi's
secure site

--OR--

Call Citi at
877-328-9712

Citi Simplicity Card Offer
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
  • See complete Citi Simplicity® Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 months* 0%* 18 months* 12.99% - 21.99%* (Variable) $0* Excellent Credit

Citi Simplicity® Card
Email offer
Citi SimplicityŽ Card

At Citi's
secure site

--OR--

Call Citi at
877-326-6072

Citi SimplicityŽ Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
  • See complete Citi Simplicity® Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 months* 0%* 18 months* 12.99% - 21.99%* (Variable) $0* Excellent Credit

Capital One® Quicksilver® Cash Rewards Credit Card
Email offer
Capital One Quicksilver Cash Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-812-7376

Capital One Quicksilver Cash Rewards Credit Card Application
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on all purchases until June 2015
  • Balance transfers also have a 0% intro APR until June 2015, a 3% fee applies to each balance transferred
  • No annual fee
  • Capital One® Credit Tracker—the free way to easily monitor your monthly credit score anytime, anywhere
  • See complete Capital One® Quicksilver® Cash Rewards Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 06/2015 0% Until 06/2015 12.9% - 22.9% (V) $0 Excellent/Good

BankAmericard® Visa® Card
Email offer
BankAmericard Visa Card

At Bank of America's
secure site

--OR--

Call Bank of America at
877-827-8836

BankAmericard Visa Card Application
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals
  • See complete BankAmericard® Visa® Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 15 billing cycles* 0%* 15 billing cycles for qualifying balance transfers* 10.99% - 20.99% Variable* on purchases & balance transfers $0 Excellent Credit

BankAmericard Cash Rewards™ Credit Card
Email offer
BankAmericard Cash Rewards Credit Card

At Bank of America's
secure site

--OR--

Call Bank of America at
877-831-6028

BankAmericard Cash Rewards Credit Card Application
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem 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, 12.99% - 22.99% variable APR
  • See complete BankAmericard Cash Rewards™ Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 billing cycles* 0%* 12 billing cycles for qualifying balance transfers* 12.99% - 22.99% Variable* on purchases & balance transfers $0 Excellent Credit

Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points
Email offer
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

At Citi's
secure site

--OR--

Call Citi at
877-266-0895

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points  Application
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% 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 do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • See complete Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 months* 0%* 12 months* 12.99% - 22.99%* (Variable) $0* Excellent Credit


0 percent credit cards: a sweet deal if played right

A credit card with an introductory 0 percent APR is one of the best deals in personal finance. It's also one of the most important to manage properly.

Used wisely, you can pay for large purchases or pay down existing credit card debt over time with bite-sized, interest-free monthly payments. Used poorly, however, and you'll find yourself making interest payments on a balance sooner than you expected.

The trick in taking advantage of these credit card offers successfully is to remember two things: They're temporary and conditional. 

At heart, a 0 percent interest rate is only a promotion, offered to new cardholders during an introductory period of anywhere from six months to 18 months, in general. Afterward, the interest rate will kick in on any remaining balance.

Also, the interest-free promotion is conditional on good behavior -- being consistent in making your monthly payments on time. If you're late, the interest-free period can expire prematurely and you'll be faced with unexpected interest payments. Be sure to understand exactly how much and by when you need to make payments to take full advantage of the 0 percent offer.

The first step in choosing a 0 percent APR credit card is to look at the offer carefully, and also look beyond the promotion. First, check how long the introductory rate (sometimes called the "intro rate" or "teaser rate") will last. Then, know your "go-to rate" -- the rate after the introductory period. You want the longest possible introductory period and the lowest possible go-to rate.

If you plan to transfer an existing credit card balance to the new card, ask about balance transfer fees, which generally run 3 to 5 percent of the balance transferred. It used to be common for balance transfer fees to be capped, but that has become a rarity in today's market. 

Finally, consider the benefits of using card, such as the potential to earn free airline miles, cash back or savings on merchandise.

Once you own the card, be sure to plan ahead before making any large purchase. (Remember, you want to pay off your balance before the introductory period ends). Use a debt payoff calculator to see how much you'll need to pay each month on your balance to retire the debt before the introductory period ends -- and be sure you can afford it. Since paying on time is so critical, also consider setting up automatic monthly payments on your balance to avoid being late. Interest-free borrowing is a great deal for both first-time and existing cardholders. Just proceed carefully.

More 0 percent APR news



* See the online 0% APR credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.


 
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