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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 3 to 12 months from when the credit card account is opened, and depending on the card offer, it will be applied to new purchases, balance transfers or both. Compare the best 0% credit card for you and apply online.
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Search through the 0% APR Credit Cards below.
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Compare credit card offers in order to determine which card is best for you.
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Apply for the Credit Card of your choice by filling out a secure online application.
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- Click "APPLY HERE" to apply online or call 800-297-8419
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
18 months on balance transfers and purchases* |
11.99%-21.99%* (Variable) |
$0* |
Yes* |
Excellent Credit* |
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- 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
18 months on balance transfers and purchases* |
12.99% - 21.99%* (Variable) |
$0* |
Yes* |
Excellent Credit* |
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- Click "APPLY HERE" to apply online or call 1-866-592-0808
- 1.25 miles per dollar on every purchase, every day and no annual fee
- One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- 0% intro APR on purchases until June 2013
- No foreign transaction fees
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% intro APR on purchases* |
until June 2013* |
11.9% - 19.9% (V)* |
None* |
Yes* |
Excellent Credit* |
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- Click "APPLY HERE" to apply online or call 800-278-1449
- 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
18 months on balance transfers and purchases* |
12.99% - 21.99%* (Variable) |
$0* |
Yes* |
Excellent Credit* |
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- No Balance Transfer Fee!*
- 0% Intro APR for 15 months on purchases and balance transfers
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
- After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
- Avoid interest on everyday purchases
- Pay down your balance faster
- Zero liability on unauthorized purchases*
- No Annual Fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
15 months on purchases and balance transfers* |
11.99%-21.99%*(Variable) |
$0* |
Yes* |
Excellent Credit* |
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- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
12 months on balance transfers and purchases* |
12.99%-22.99%* (Variable) |
$0* |
Yes* |
Excellent Credit* |
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- Click "APPLY HERE" to apply online or call 1-866-533-0808
- 0% intro APR until September 2013 on balance transfers
- 0% intro APR until September 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% intro APR on purchases and balance transfers* |
until September 2013* |
10.9% - 18.9% (V)* |
None* |
Yes* |
Excellent Credit* |
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- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
18 months on balance transfers and 18 months on purchases* |
11.99%-21.99%* (Variable) |
$0* |
Yes* |
Excellent Credit* |
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- Click "APPLY HERE" to apply online or call 866-517-0808
- $100 Bonus after you spend $500 in the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until June 2013.
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% intro on purchases and balance transfers* |
until June 2013* |
12.9% - 20.9% (V)* |
$0 |
Yes* |
Excellent Credit* |
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- Click "APPLY HERE" to apply online or call 877-690-3489
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase. No annual fee and rewards never expire
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
15 months on purchases and balance transfers* |
12.99%-22.99%*(Variable) |
$0* |
Yes* |
Excellent Credit* |
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* 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 Here " button you can review the credit card terms and conditions on the credit card issuer's web site.
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