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0% APR Credit Cards

If you need a few extra months to pay off upcoming purchases, then a credit card with a 0% introductory APR on purchases is the best choice for you (some of the following cards originate from CardHub advertising partners). The trick is to use a credit card calculator to devise a payment plan that will leave you debt free by the time high regular rates kick in. Without sacrificing in terms of your introductory period, you can increase your savings by opting for one of the 0% APR credit cards that offers cash back rewards or airline miles as…show more

    3.5 2,500 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until August 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until August 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    4 1,106 reviews

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 21 months
    • 0% Transfers 21 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 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 More Details & Reviews About The Citi Simplicity® Card
    3.5 524 reviews

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 2% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Additional Info
    • 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 Annual Fee
    • See More Details & Reviews About The Citi® Double Cash Card
    3.5 2,669 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until May 2016
    • 0% Transfers until May 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,516 reviews

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • 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
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 1,153 reviews

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply
    • With the Blue Cash Everyday® Card, you can start earning cash back. No rotating reward categories. No enrollment required
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases
    • Terms and restrictions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    4 1,853 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Unlimited 1% Cash Back on every purchase
    • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
    • 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!
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See More Details & Reviews About The Chase Freedom®
    3.5 2,155 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until May 2016
    • 0% Transfers until May 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until May 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 988 reviews

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    • Annual Fee $75
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply
    • With the Blue Cash Preferred® Card, you can start earning cash back. No rotating reward categories. No enrollment required
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases
    • Terms and limitations apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Preferred® from American Express
    4 315 reviews

    U.S. Bank Visa® Platinum Card


    us bank platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 9.99% - 20.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-20.99%*
    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
    • Zero fraud liability*for unauthorized transactions if your card is ever lost or stolen
    • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
    • Chip technology for enhanced card security
    • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
    • *No annual fee
    • The card is only available to residents in: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,ND,OH,OR,SD,TN,UT,WA,WI,WY,NM
    • See More Details & Reviews About The U.S. Bank Visa® Platinum Card
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    Ask our Experts

    Expert’s Answers

    What’s the best way to utilize a 0% APR credit card?

    By: Odysseas Papadimitriou, CardHub CEOZero percent credit cards are undoubtedly valuable. In fact, “a 0% loan that can be paid off in monthly installments of 1-3% of the principal balance is a pretty good deal, perhaps the best borrowing one could engage, assuming future income remains stable,” according to Jason Kilborn, a professor at The John Marshall Law School who studies bankruptcy and insolvency.

    But in order to truly take advantage of a 0% APR credit card offer, you must have a plan from the start. A 0% credit card isn’t simply an invitation to spend freely and worry about paying later, after all, as the 0% APR introductory period will end and the regular rate will kick in. Ideally, you should be getting a 0% card with a specific big-ticket purchase in mind or to pay for some unexpected expenses. That way you can use a credit card payoff calculator to determine the monthly payments required to pay down your balance before the conclusion of the 0% intro period.

    “Zero percent credit cards are obviously a great financing option compared to other forms of short term credit that charge market rate interest such as other revolving credit cards, overdraft protection and payday loans. And since the CARD Act was implemented, they are even better,” says David Reiss, founding director of the Community Development Clinic at Brooklyn Law School. Prior to the CARD Act, credit card companies might solicit new business with a zero percent interest rate and then jack it up for sometimes legitimate reasons (for example, default on the credit card debt) but often for illegitimate reasons (for example, alleged default on another, unrelated debt). So, if you are confident you can avoid default (which may trigger all sorts of bad financial outcomes), this option is worth considering. … Ideally, you will pay back the debt before the zero percent rate expires, but if you do not plan to, you should compare the interest rate of your current credit card with that of the one with the promotional rate to at least get a sense of the difference in the rate you would be paying after the promotional period expires."

    If you don’t have a good reason to need a 0% APR credit card, then your motive in opening one comes into question. You shouldn’t need a 0% card to escape interest on everyday expenses because if you are truly living within your means, you should be able to pay for them in full every month. A spending adjustment is in order if you can’t, not a new credit card. Many consumers would do well to heed such advice, as "consumer debt is clearly a big issue that is likely to only get bigger," according to Dr. Matthew Ragas, a professor at DePaul University.

    Some people also use 0% credit cards in order to put the money they would have spent paying off their bills into savings accounts and thereby garner interest revenue. Doing so is fine, but be careful because it takes a tremendous amount of discipline not to overextend yourself using this strategy and you’ll be forgoing the ability to maximize your rewards (0% credit cards typically have low rewards structures, if any rewards at all).

    Are 0% APR credit cards always on the market?

    By: John Kiernan, Personal Finance EditorNo, people often assume that 0% credit cards are always around, but in reality they’re usually only limited-time offers. While more 0% credit card offers will be on the market during economic times characterized by growth and/or low interest rates, these offers are by no means permanent. Because of this confusion, consumers sometimes don’t plan to pay their balances in full by the end of the introductory period, thinking they can simply transfer whatever they owe to a 0% balance transfer credit card. Well, guess what…0% cards might not be available at that time, which is exactly what happened to a lot of people during the Great Recession.

    Why do banks offer 0% APR credit cards?

    By: Odysseas Papadimitriou, CardHub CEOBanks offer 0% APR credit cards for three main reasons: to get the business of new customers, to encourage people to spend more than they would otherwise and thereby benefit from higher interchange fees, and to generate interest revenue off people who fail to pay down the entirety of their balances before the 0% period concludes and the regular APR starts.

    “If consumers actually routinely borrowed at 0% without paying any fees or interest, it would be difficult for credit card companies to earn a profit on these deals. So many 0% offers may come with balance transfer fees, time limits, caps on the amount eligible for the 0% balance or other conditions attached which will usually cause consumers to end up paying some interest or fees,” says Michael Simkovic, an associate professor at the Seton Hall University School of Law who studies the regulation of credit markets through the bankruptcy code. “Customers just really have to read the fine print, compare the total cost of borrowing the amount they need for the time they need it (including interest and fees) and be very, very careful. That being said, credit cards are generally going to be a less expensive source of credit than payday loans.”

    When should you avoid a 0% APR credit card?

    By: Odysseas Papadimitriou, CardHub CEOBelieve it or not, 0% APR credit cards aren’t for everyone. First of all, you shouldn’t use a 0% card if the lack of interest charges will cause you to spend more than you would ordinarily. Remember, you have to pay your balance in full at some point, and the interest rates you’ll incur after the 0% period concludes will quickly erase any prior savings. Second, if you pay your bill in full every month and plan to continue doing so, you would probably be better served getting the best rewards credit card possible. There’s really no point saving on interest if you won’t be paying any to begin with, and a 0% APR credit card with rewards isn’t likely to maximize your rewards potential.

    “Consumers need to be wary of 0% credit card offers,” warns Gina Calabrese, a professor at St. John’s University School of Law and former head litigator with the Foundation for Taxpayer and Consumer Rights. According to Calabrese, such cards are good options for people who can manage to pay off what they owe before a card’s low-interest introductory period concludes, “but many people are over-confident in their ability to do this. That's where it can become a trap.”

    “Consumers need to stay within their budgets and choose an item they will be able to pay off” in time, she adds. “Close monitoring is critical. “

    Community Discussion

    Ask a question or help others find the best 0% apr credit card by sharing some tips.

     
    Aug 27, 2015
    By:
    I love my 0% card. The one I chose was with Bank of America. It has a low interest rate after the 15 months but for those 15 months I will have no interest. They were also offering zero percent on balance transfers as well and no annual fee. I got the card to make a furniture purchase. I would not have been able to make that purchase and now I can and pay it off in 15 months. This card and other zero cards are great for this.
    Jun 30, 2015
    By:
    I recently received an offer for a pre-screened card with 15 months interest free. I was carrying a balance on another card with an interest rate of over 20%. The decision to accept the new card and transfer my balance was easy to make! I am now saving money and feel better about my debt. I recommend making sure that 0% apr credit cards also are free of fees. Then, make sure you pay off your balance in a timely manner for the most savings!
    Jun 17, 2015
    By:
    I think the best way I have been able to use my Capital One Quicksilver card is by using it to make large purchases that I don't want to pay off right away. By using t this way, I was able to buy a new living room set which I couldn't have afforded otherwise. I then have until March to pay it off without interest charges.
    Jun 17, 2015
    By:
    0% Cards are best used when it comes to making a big purchase that you intend on paying down through the remainder of the promotional period of the card. I signed up for the Slate card during December just to unload the high balance of my credit card onto it, allowing me lots of time to pay it off.
    Jun 17, 2015
    By:
    I chose my Barclay Mastercard because it gives me 2% cash back and has no annual fee. I refuse to pay an annual fee. The card companies make a percentage off each transaction that the vendor pays them. There is no need for them to double dip and charge me.
    Jun 17, 2015
    By:
    The best way to utilize the promotional 0% APR that cards tend to tout nowadays is to open the card and to make a big purchase, such as a washer and dryer. A purchase like this tends to take a few months to pay back for most, and as the amount accumulated won't be garnering interest for the first X amount of months you have the card, you don't have to worry about that pesky interest!
    Jun 15, 2015
    By:
    I decided to go with my BankAmericard because I felt comfortable using it and thought it was better compared to everything else like it. For me, a big thing is customer service. If the customer service is great for something, I am much more likely to go with it because it makes me feel good and gives me positive vibes. I chose my particular card, not only because I am a member of Bank of America, but because it is the overall best card. The interest rate is not bad and it is extremely convenient to me. I am very happy with my card and recommend the BankAmericard to anyone interested in getting a credit card.
    Jun 14, 2015
    By:
    I recently needed to buy a new washer and dryer after my washing machine stopped working and I thought it made more sense to buy a new one rather than spending the money to fix an old machine. Home Depot and Lowes both offered 0% financing but both came with terms where missing one payment or failing to pay off the entire purchase within a year would result in severe consequences. I decided to get a Chase Slate card which came with a zero percent interest rate for 15 months. The Slate card offered a longer period of no interest and also didn't have traps to fall into like the store financing. Plus Chase has a good reputation and I could use the card for purchases other than just the washer and dryer. If you need to finance a purchase and don't want to pay interest (Who wants to pay interest?) then check out a card like the Chase Slate for an easy way to avoid interest.
    Jun 12, 2015
    By:
    An APR credit card such as Capital One Silver are great for paying off debt. I used this card for a long period of time when I was staying in Hawaii and it really saved me money. Not having to pay that extra money can be really handy when you want to have some fun at the beach or the mall. I really recommend this 0% APR card to anyone that really is trying to save money for something big and amazing.
    May 25, 2015
    By:
    If you're looking for a 0% card, make sure you're doing it for the right reasons. Sure it's great to borrow money for free, but remember that you still have to make payments for some period of time. Think ahead -- don't borrow more than you could have saved over the same time period. Plan to pay more than the minimum payment. You don't want to get stuck with so many payments that you can't afford to eat, even if none of it's going to interest. Remember, you may not be paying interest but you're also not investing that money. Consider saving your money in a money market account instead and then buy whatever it is you are saving for with that money. That way you're MAKING money instead of losing value.
    May 15, 2015
    By:
    0% APR is a great feature. I mean, it's like a 0% interest loan. I usually try and put all my purchases on my 0% cards and then stretch out the payments to match the 0% period. I then try to make sure everything is paid off shortly after that. I haven't been able to get any recently due to defaulted student loans, but until then they were a great tool to keep myself building credit in a more affordable way.
    May 28, 2015
    Photo of Card H.
    It's probably not wise to mess around with revolving debt in the wake of defaulted student loans anyway!

    And, just so people don't get the wrong message. They key component of your previous strategy was making sure you were debt free (or close to it) by the time regular rates take effect.
    May 5, 2015
    By:
    Although I no longer qualify for a 0% APR card, I loved it when I did. The 0% period was an amazing chance to catch up on old bills, (particularly for me because I was also able to transfer a balance from a higher APR card for free) I think that when one is offered this chance, especially on a no fees card, one should jump on it because it literally is free money.
    May 28, 2015
    Photo of Card H.
    Why can you no longer qualify? Your experience may be able to help other consumers!
    Apr 30, 2015
    By:
    I think that credit cards with 0% APR can be a very helpful financial tool, especially when it comes to larger purchases, such as a piece of furniture, an appliance, or major car repair. While I don't advocate the use of these cards just to have fun or buy unneeded items, I do think they can come in quite handy when something unexpected occurs. If a dishwasher or refrigerator breaks down, the cost of a new unit might not fit into a monthly budget. Using a no-interest credit card to purchase one allows payments to be made without incurring the extra cost of interest.

    In fact, I encountered this very thing not too long ago when I had a costly car repair that I was not counting on. With a 0% APR offer, I was able to get my car fixed when I needed to without having to worry about the added in cost of extra interest.
    May 28, 2015
    Photo of Card H.
    Wise words! Thanks for sharing :)
    Apr 21, 2015
    By:
    I agree. 0% APR is a great feature. I mean, who wouldn't want an interest free loan?

    I usually put all my purchases on my 0% cards and then pay the bare minimum each month until the 0% period is about to end. I then invest the excess money or just keep it in my savings account. Unless I'm unlucky, I usually make a small bit of money. I love these cards and try my best to get one every year.
    Apr 16, 2015
    By:
    I have looked into various 0% APR cards to help me to pay off some of my debt. Sadly due to poor credit as the result of a bankruptcy and divorce I have not been able to qualify for one of these 0% cards yet. I hope one day that I will be able to find one that does not charge an insanely high interest rate after the introductory rate of 0% expires.
    May 28, 2015
    Photo of Card H.
    A great goal indeed! What is your strategy for rebuilding your credit?
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