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 Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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 for 12 months; 12.74%-22.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.74% - 22.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Discover's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, 1% cash back on all 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, on mobile and online.
  • No annual fee.
  • See additional Discover it® Cashback Match™ details
 APPLY NOW

at Discover's
secure site

or call Discover at
877-360-3730


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.74% - 23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.74% - 21.74% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • See additional BankAmericard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-827-8836


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
    Regular APR
    11.74% - 21.74% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
  • See additional Barclaycard Ring™ Mastercard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months (on balance transfers made within 45 days of account opening)
    Regular APR
    13.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • New! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Cash Wise Visa® Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.74%-25.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional 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/Good
  • Purchases Intro APR
    0% Introductory 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
    13.74% - 23.74% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See additional Blue Cash Everyday® Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6432


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% on Purchases for 12 months
    Balance Transfers Intro APR
    0% on Balance Transfers for 12 months
    Regular APR
    13.74%-24.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 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 13.24%-23.24% 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
    13.24% - 23.24%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom Unlimited℠ details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.74% - 24.49% Variable
    Annual Fee
    $0
    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 14.24% - 24.24% 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
    14.24% - 24.24% (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
Show More Results


Compare 0 percent APR credit card deals

Updated: May 22, 2017

Card 0% Purchase APR Period Annual Fee Regular APR
Capital One® VentureOne® Rewards Credit Card 12 months $0 12.74% - 22.74% Variable
Discover it® Cashback Match™ 14 months $0 11.74% - 23.74% Variable
Barclaycard Ring™ Mastercard® 15 months $0 13.74% Variable
Wells Fargo Cash Wise Visa® Card 12 months $0 13.74% - 25.74% Variable
Citi® Diamond Preferred® Card 21 months $0 13.24% - 23.24% Variable
Chase Freedom UnlimitedSM 15 months $0 15.74% - 24.49% Variable
Citi Simplicity® Card 21 months $0 14.24% - 24.24% Variable

While 0% introductory offers are a great way to get out from under crushing debt, they can be a great way to get deeper into a hole, as well.

With a 0% offer, you can pay off debt interest-free for up to 21 months, depending on the card, saving you hundreds of dollars in interest fees. But it's important to have a plan for how you're going to pay off the charges. How much can you pay down each month? Will you be able to pay off the charges before the offer ends? Otherwise, you'll just pay interest fees on the charges once the offer ends.

The trick is to understand the rules of the game before committing to this kind of card. From balance transfer fees to go-to rates, we'll tell you how to choose a 0% intro interest card, pitfalls to avoid and how to use it going forward.

What are 0% APR credit cards?

Some credit cards have 0% introductory APR offers. What does that mean? Simply that you pay no interest on a card balance for a set amount of time, up to 21 months. This is handy when you've incurred debt and you can't get out from under the interest fees or you have a big purchase coming up.

There are basically two types of offers, sometimes in a single card:

  • Balance Transfer — This 0% intro APR offer encourages you to transfer your balances from older cards to the card with the offer. There is usually a balance transfer fee of 3%–5% or $5–$10, whichever is greater, but it can still be worth your while if you have a larger balance. That's because interest rates compound quickly, with you owing hundreds of dollars in interest within a few months.
  • Purchases — You can make a big purchase on your new card and pay interest–free for a set amount of time.

What does 0% intro APR mean?

The term “0% intro APR” means that you can pay interest–free for a set amount of time on balance transfers and/or purchases. The offer's length of time varies by card and can be as little as 6 months and as long as 21 months. For example, the Discover it offers an intro 0% APR on purchases for 6 months and a 0% APR on balance transfers for 18 months, while the Citi Diamond Preferred offers a 0% intro APR on both purchases and balance transfers for 21 months.

Heads up that there is usually a balance transfer fee, and if you are late paying, the card issuer might kick in the go–to APR. But if you pay on time and map out paying the debt before the offer ends, you can save hundreds of dollars.

How to choose a 0% APR offer

When it's time to choose a 0% APR offer, a number of issues come into play, including length of the offer and balance transfer fees. Here's what you need to know:

  • Check the length of the offer. Check how long the introductory rate (sometimes called the “intro rate” or “teaser rate”) will last. While you may think that the longer the introductory period, the better, it's actually more important to plan how much you can afford to pay each month so that you don't owe money when the offer ends.
  • Know your “go–to rate.” That's the rate after the introductory period. While this shouldn't be a deal-breaker, because you're going to pay in full each month (right?), it's prudent to know all the aspects of the card, including the go–to.
  • Ask about balance transfer fees if you plan to transfer an existing credit card balance to the new card. The fees generally run 3% to 5% of the balance transferred or $5-$10, whichever is greater. A few cards offer no balance transfer fee, such as the Chase Slate. Watch your mail: Card issuers often run special offers when they lower or waive the fees.
  • Weigh other benefits, such as the 5% cash back offer of the Discover it Cashback Match, which also has a 14–month 0% intro APR on both purchases and balance transfers. Sometimes it's actually better to have a shorter offer period, because the card has benefits you'll use after the offer ends.

What is a go–to APR?

A go–to APR is the rate that kicks in once the 0% intro APR offer ends. So, if the card you've chosen offers an 18–month 0% intro APR, you have 18 months to pay for the balance, then the go–to rate kicks in. Your credit rating and your history of payments help decide what your rate will be. The better your payment history and the higher your credit rating, the lower the go–to rate.

What is the average interest rate on a credit card?

The average interest rate on credit cards varies based in part on the Federal Reserve's monthly decision on interest rates. Currently, the national average for credit cards is about 15.75%, but that can vary based on type of card. Low interest cards, of course, have the lowest average, at under 13%. Business and student cards are also low, both under 14%. The highest are instant approval, at just over 18% and bad credit, at over 23%.

That said, you should not be too concerned about a card's interest rate, because it's best to pay your card bill in full each month. It's better for your credit because FICO, the dominant credit scoring model, tracks your credit utilization ratio, which is the amount of available credit you have compared to the balance that you owe. The lower the balance, the lower your ratio, which FICO loves.

What is a good interest rate on a credit card?

Rather than choose a credit card because it has a “good” interest rate, look at the card's features, because credit cards are not meant to be long–term loans.

The national average for credit card interest rates is about 15.75%. Depending on the type of card, the interest rate will vary, with low interest cards at the bottom and bad credit cards at the top. But that shouldn't concern you too much.

Instead, look at the 0% intro rate for balance transfers and purchases when choosing a card. Then, make sure you can pay off the debt before the go–to rate kicks in. If you know you're going to go past the intro rate period, then make sure you pay on time to improve your credit rating, because your credit rating and your on–time payments are two factors for what your go–to rate will be.

What determines the APR on a credit card?

The APR on a credit card is determined by a number of factors, including the Federal Reserve's current rate, your credit rating, the type of card you choose, and whether you have been paying on time.

The national average go–to interest rate for credit cards is about 15.75% — that's higher or lower depending on the type of card, with low interest and student cards at the bottom and bad credit cards at the top.

When the Federal Reserve increases its benchmark for rates, you'll typically see credit cards' rates inch up.

Your credit rating and whether you pay on time also factor into your rate; credit cards can have a range from which they assign your go–to rate.

Watch out, because you can drive your APR up by paying late or going over the limit. That can also land you with fines and even loss of the card.

How do you calculate interest on a credit card?

The easiest way to calculate interest on a credit card is with our handy–dandy calculators. You can figure out how much interest you'll owe if you pay the minimum; look at how much you need to pay on a balance transfer each month to avoid interest rates; or see how long it will take you to pay off your debt.

That said, it helps to understand how credit card issuers calculate interest. According to Discover, just divide your APR (say it's 15%) by 365 days, or .041096%. So, if you have a balance of $1,000, the daily interest rate is $0.41, which accrues each day. At the end of the month, you owe $1,013.

That may not seem like much, but it can add up quickly. If you pay the minimum on $1,000 each month (15% APR), it will take you 54 months and you will pay $370.46 in interest. Better to just pay in full each month and not put anything on your card you can't afford to buy with cash.

How do you avoid paying interest on a credit card?

It's easy to avoid paying interest on a credit card – just pay in full each month before the due date. Remember, credit cards aren't meant to be long–term lenders. They should be for building credit and convenience. You don't want to use a card for an emergency when you don't have the cash nearby, because the interest fees can overwhelm you. Instead, build an emergency fund that you can tap when the unexpected occurs, such as a broken–down car or a medical bill.

In fact, it can actually be a good idea to pay more than once a month. Just to be safe, if you pay in full several times a month, you can potentially improve your credit even more, because you don't know when issuers report to credit bureaus – pay several times a month and increase the chance of having a low balance when issuers report. (FICO, the dominant credit scoring model, bases your rating on what the credit bureaus gather about your finances.)

Here's how it works: FICO compares how much available credit you have to how much of a balance you have. The lower the ratio the better. So, if you have $10,000 available credit and you owe $1,000, your credit utilization ratio is only 10%. Owe $3,000? The ratio jumps to 30%. If you pay several times a month, you increase the chance of lowering your ratio, which is a critical part of your score.

How do you use a 0% APR credit card?

There are myriad ways to use a 0% APR credit card. From making a big purchase, such as an appliance or grill, to using it to pay down an existing balance, 0% APR cards can simplify your life. There are some things you need to know, though:

The best way to use a 0% introductory period offer is to calculate how much you can pay each month for how long. So, if you make a $3,600 purchase, and can pay $300 a month, a 12–month offer is enough for you. If you plan to use the card for a balance transfer, keep in mind that you will probably have a balance transfer fee of 3%–5%. That means you will owe $108–$180 right out of the gate. But that can be worth your while if the interest you would pay otherwise is higher than the fees.

Is using a 0% APR card a good way to build credit?

Any credit card (including a 0% APR card) that is used wisely is a good way to build credit. With a new card, you are increasing your available credit, which can be helpful for your FICO rating. Also, each month that you pay on time, your credit rating gets a little kick. And if you are diligent about paying down your debt, that will also improve your credit as the balance goes down, provided you don't incur additional debt.

That said, taking out a credit card is only good for your credit if you are responsible with it. It is the fastest way to build credit, no matter the type of card, but it can be a disaster if you let charges pile up or if you don't pay on time each month. Before committing to a new card, make sure you will use it correctly.

Can you use a 0% APR credit card to help pay off student loans?

Paying off student loans with a 0% APR credit card can be tricky. First, you might owe more than you can pay off in the maximum offer of 21 months, which means you would probably be strapped with higher interest rates than you were paying on the student loan.

Also, you will probably have a charge of 3%–5% on the total, which is another expense you may not have expected.

Finally, it is actually worth your while to hang on to the student loan, because it's an installment loan. FICO, the dominant scoring model, likes a mix of credit types, and if you have a credit card and an installment loan, that can give your credit score a little boost, provided you're paying on time.

Should I cancel my 0% interest card once I pay off the balance?

It's rare when you should cancel your 0% interest card once you pay off the balance. That's because keeping it on hand is a great way build your credit. Here's why:

Let's say you paid off $3,000 within the 15 months your 0% intro interest offer lasted. Awesome, right? Now, you're so sick of credit cards, you want to cancel the card and go all cash. But not so fast.

Here's the deal: The fastest way to build credit is to have a credit card and to pay in full and on time each month. FICO, the dominant scoring model, loves it when you do that, and you will be rewarded within months of your good habits.

Still hate credit cards and want to pay in cash? There's a way to have the best of both worlds. Keep your card account active by putting a charge on it each month that you would make any way, such as your gym membership, then pay it off before the due date. Then, use cash envelopes or whatever system you prefer to stay within budget.

Whatever you do, don't put the card in your sock drawer, because it's only a matter of time before the issuer cancels the card because it's inactive.

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