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.

See offers from our partners below.

 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until April 2016; 11.9%-21.9% variable APR after that
  • Travel when you want—no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
  • See complete Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-799-2845


Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 04/2016
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    11.9% - 21.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
  • 5% cash back in categories that change each quarter. Now - June 30 earn 5% at Restaurants & Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.
  • Redeem your cashback for any amount, any time*. Your cash back never expires.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 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.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® details
 APPLY NOW

At Discover's
secure site

--OR--

Call Discover at
877-360-3730


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    14 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    14 months
    Regular
    APR
    10.99% - 22.99% Variable*
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 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
 APPLY NOW

At Citi's
secure site

--OR--

Call Citi at
877-342-7930


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%*
    Purchases
    Intro APR Period
    21 months*
    Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    21 months*
    Regular
    APR
    11.99%-21.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 0% Intro APR on Balance Transfers and Purchases for 21 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.
  • 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
 APPLY NOW

At Citi's
secure site

--OR--

Call Citi at
877-328-9712


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%*
    Purchases
    Intro APR Period
    21 months*
    Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    21 months*
    Regular
    APR
    12.99% - 22.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • New Free Monthly FICO® Score and Credit Dashboard
  • See complete Chase Slate® details
 APPLY NOW

At Chase's
secure site

--OR--

Call Chase at
877-915-5269


Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    15 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Regular
    APR
    12.99%, 17.99%, 22.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent/Good
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
  • See complete Chase Freedom® details
 APPLY NOW

At Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    15 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Regular
    APR
    13.99% - 22.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 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
 APPLY NOW

At Bank of America's
secure site

--OR--

Call Bank of America at
877-827-8836


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%*
    Purchases
    Intro APR Period
    15 billing cycles*
    Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    15 billing cycles for qualifying balance transfers*
    Regular
    APR
    10.99% - 20.99% Variable* on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 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 every purchase, 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 a 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
 APPLY NOW

At Bank of America's
secure site

--OR--

Call Bank of America at
877-831-6028


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%*
    Purchases
    Intro APR Period
    12 billing cycles*
    Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    12 billing cycles for qualifying balance transfers*
    Regular
    APR
    12.99% - 22.99% Variable* on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • 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 purchases until January 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • 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
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-812-7376


Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 01/2016
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 01/2016
    Regular
    APR
    12.9% - 22.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • The only card that earns you cash back twice on every purchase with: unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases*
  • 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
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
  • See complete Citi® Double Cash Card details
 APPLY NOW

At Citi's
secure site

--OR--

Call Citi at
877-589-1038


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    15 months*
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months*
    Regular
    APR
    12.99% - 22.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
Show More Results


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 balance transfer news

balance transfer survey

Don't confuse intro
rate, deferred interest

One's a free ride, the other you pay at the end ... See Deferred

Bonus offers

Survey: 0% intro
rate, bonus offers

Got good credit? Good promo offers abound ... See Offers survey

Pay off 0-percent cards

Make sure you
pay off 0% card

Purchases on a 0 percent card complicate payoff plan ... See Pay it off


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