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0% APR Credit Cards

0 apr credit cards

Narrow your search for a 0% APR Credit Card

If you are planning to make purchases with your new credit card, then a credit card with an introductory 0% APR on purchases is the best choice for you. Be sure to remember when your 0% APR credit card will convert to the Regular APR. Double your bonus by choosing one of the 0% APR credit cards that also offer cash back rewards or airline miles.
If you are looking to make a balance transfer then you need a 0% balance transfer credit card.

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    4.5

    Discover it® - 0% for 14 months on both Purchases & Transfers

    discover it
    Rates:
    • 0% on Purchases 14 months
    • 0% on Transfers 14 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    4.5

    Discover it® - 0% for 18 Months on Balance Transfers

    discover it
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 18 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    4

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

    0 Credit Card from VISA Citibank
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 5%
    • $100 cash back after $500 in purchases within the first 3 months of account opening.
    • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment.
    • Enroll at no additional cost each quarter for new categories that earn additional cash back.
    • Full 1% cash back on all other purchases and eligible cash advances.

     
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    5

    Barclaycard Arrival World MasterCard® - Earn 2X on All Purchases

    barclaycard arrival world mastercard credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 14.99% - 18.99% (V)
    Annual Fee None 1st yr, $89 after
    Rewards Miles
    Initial Bonus 40,000 miles
    Base Earn 2 miles/$1
    Max Earn 2 miles/$1
    • Now, for a limited time, earn 40,000 bonus miles when you spend $1,000 on purchases in the first 90 days (that equates to $400 off your next trip!)
    • Earn 2 miles per $1 on all purchases.
    • Exclusive Carry-on Miles - earn 10% of your miles back when you redeem for travel.
    • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions.
    • No blackout dates, no limit on the points you can earn.
    • Complimentary TripIt® Pro subscription - the mobile travel organizer that helps make traveling easier ($49 value).

     
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    4.5

    BankAmericard® Visa® Card

    Credit Card Application for Bank Americard
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3%
    • Regular Rate 10.99% - 20.99% (V)
    Annual Fee None
    Rewards None
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    3.5

    Barclaycard® Rewards MasterCard®

    barclaycard credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 6 months ;   Fee.....3%
    • Regular Rate 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 2,500 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • 2,500 Bonus Points after your first purchase
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.
    • No cash back limits.

     
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    4

    Dollar Bank City Pride Visa® Credit Card

    dollar bank city pride visa credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 6 months ;   Fee.....1%
    • Regular Rate 9.24% (V)
    Annual Fee None
    Rewards None
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    4

    IberiaBank Visa® Select Credit Card

    Low APR Credit Card Offer
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 7.5% - 11.5% (V)
    Annual Fee $35
    Rewards None
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    3

    HSBC Platinum MasterCard®

    HSBC platinum mastercard cash rewards
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....4%
    • Regular Rate 11.99% - 21.99% (V)
    Annual Fee None
    Rewards None
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    4

    Blue Sky from American Express®

    amex bluesky
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 17.24% - 22.24% (V)
    Annual Fee $0
    Rewards Points
    Initial Bonus 7,500 points
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Welcome Bonus: earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership - redeemable for a $100 statement credit.
    • Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
    • Unlimited Travel Options: Travel with any airline, hotel, cruise, car rental and travel package - with no blackout dates.

     
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the 0% APR Credit Cards shown on this page.


     
    Learn More About 0% APR Credit Card Offers

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

    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. 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? No, 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? Banks 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.

    When should you avoid a 0% APR credit card? Believe 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.

    Help others find the best 0% apr credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)
    • Frank Papageorgio: I recently signed up for the Home Depot store card because they offered me 0% APR for 2 years on my purchase and installation of new windows on my home. I probably wouldn't have bit at the card if it was 6 months or 1 year, but 2 years is definitely a difference maker and the deciding factor of why we decided to open a Home Depot card.
      May 24 at 2:34pm
    • Anonymous User: My primary credit card is the Capital One VentureOne Rewards card. I like it because you earn 1.25 miles per dollar on every purchase and new accounts like mine you earn 10,000 bonus miles. There is no annual fee and another plus is your travel miles don’t expire so you can just keep accumulating miles to earn a really big trip. Overall this is a very good card and I highly recommend it.
      May 20 at 1:13pm
    • Steven Bourg: Personally, I've enjoyed my experience with my Wells Fargo Platinum credit card. I've had it for a few years now, and it's the only credit card I've had. I was a checking account member with Wells Fargo, so it seemed a reasonable choice to apply for their credit card as well. I've had no fees or interest rates, and since I've signed up for online banking with Wells Fargo for both my checking and credit accounts, It's extremely convenient for me to pay off my credit card each month. I don't really receive any rewards from this card, but I don't care about that.
      May 14 at 1:24pm