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.
at Capital One's
or call Citi at
or call Discover at
at Bank of America's
or call Bank of America at
at American Express's
or call American Express at
or call Citi at
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 21 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.
How to choose a 0-percent APR offer
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.
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