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Advertising Disclosure *Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

 

APPLY FOR A 0% APR CREDIT CARD

0% APR credit cards can help consumers save hundreds on new purchases as well as on pre-existing debt via the use of balance transfers.

Below you will find information on money saving 0% interest credit cards as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

CHASE SLATE®



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99%, 17.99%, or 22.99% (V)*
$0
Excellent/Good


Key Features
  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
VIEW ALL FEATURES

Additional Features
  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
Apply Now

CITI SIMPLICITY® CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 18 months*
0% for 18 months*
12.99% - 22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 0% Intro APR on Balance Transfers and Purchases for 18 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.
VIEW ALL FEATURES

Additional Features
  • 0% Intro APR on Balance Transfers and Purchases for 18 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.
Apply Now

BANKAMERICARD CASH REWARDS™ CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 billing cycles*
0% for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable* on purchases & balance transfers*
$0
Excellent Credit


Key Features
  • 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 purchases everywhere, every time
  • 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 an ongoing 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
VIEW ALL FEATURES

Additional Features
  • 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 purchases everywhere, every time
  • 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 an ongoing 10% customer bonus every time you redeem cash back into a Bank of AmericaŽ 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
Apply Now

CAPITAL ONE® VENTUREONE® REWARDS CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until November 2015*
N/A*
11.9% - 19.9% (V)*
$0
Excellent/Good


Key Features
  • Earn unlimited 1.25 miles on every purchase, every day
  • Pay no annual fee or foreign transaction fees
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until November 2015; 11.9%-19.9% variable APR after that
  • Travel when you want—no blackout dates
  • 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
VIEW ALL FEATURES

Additional Features
  • Earn unlimited 1.25 miles on every purchase, every day
  • Pay no annual fee or foreign transaction fees
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until November 2015; 11.9%-19.9% variable APR after that
  • Travel when you want—no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital OneŽ Credit Tracker—see your monthly credit score anytime and get automatic alerts
Apply Now

CITI® DOUBLE CASH CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99% - 22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 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
  • 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
  • No Annual Fee
VIEW ALL FEATURES

Additional Features
  • 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
  • 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
  • No Annual Fee
Apply Now

CAPITAL ONE® PLATINUM PRESTIGE CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until February 2016*
0% until February 2016*
10.9% - 18.9% (V)*
$0
Excellent/Good


Key Features
  • Get 0% intro APR on all purchases until February 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
VIEW ALL FEATURES

Additional Features
  • Get 0% intro APR on all purchases until February 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
  • 100% free Capital OneŽ Credit Tracker—see your monthly credit score anytime and get automatic alerts
Apply Now

CITI® DIAMOND PREFERRED® CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 18 months*
0% for 18 months*
11.99%-21.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 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*
VIEW ALL FEATURES

Additional Features
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 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.
  • CitiŽ 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 CitiŽ Identity Theft Solutions.
  • No annual fee*
Apply Now

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0% APR Credit Card Tips

Avoid 0% APR Offers With Multiple Introductory Periods: Most 0% APR credit cards are straightforward and offer the same 0% introductory period to all approved applicants. However, some 0% credit card offers are a bit tricky. These cards will advertise 0% interest rates in two ways. The first is a range. For example, a 0% APR for 6 or 12 months. If you see this type of offer, your 0% rate could last either 9 or 12 months based on a review of your application.

A more insidious way 0% rates are advertised involves the wording "up to," for example, a 0% APR for up to 15 months. With one of these offers, you need to dig deep into the fine print. There you will find that some applicants will get a 0% APR for 15 months, while others may be approved, but only granted a 0% APR for as little as 6 months, the legal minimum. Unless you have pristine credit, avoid offers that use this type of pricing to insure you get the terms you desire.

Don't Take on Extra Debt Simply Because You're Paying 0% Interest: Credit card companies offer 0% APR credit cards for one reason: to make money. While they do profit every time you swipe your card, the big money is made when 0% rates expire and regular interest rates kick in. When you use a 0% credit card, try to keep your spending in check so you aren't faced with high interest expenses when the 0% honeymoon ends.

Take Advantage of Extremely Long 0% APR Offers: Since early 2011 and thus far in 2012, credit card companies have been offering the longest 0% introductory periods in at least five years, if not in history. Two years ago it was difficult to get a 0% APR for 12 months; today, a handful of credit cards offer 0% rates that last 15 months or longer. Unfortunately, the explosion in long duration 0% deals won't last forever. When the economy recovers, the Federal Reserve will increase the Federal Funds rate. This, in turn, will make it more expensive for banks to borrow money, and this cost will passed on to borrowers in the form of higher interest rates and shorter 0% credit card deals.

Be Careful with 0% APR Offers with Different Terms for Purchases and Balance Transfers: If you intend to use a 0% APR card for both purchases and balance transfers, select a card that offers the same introductory period for both. This is especially important if you pay close to the monthly minimum. The reason caution is necessary stems from the way credit card companies are allowed to allocate your payments. Every penny of your minimum payment can be used to reduce the balance with the lowest rate. Thus, if you use a card with a 0% APR for 12 months on balance transfers and a 0% APR for 6 months on purchases, when the 0% rate on purchases ends, your minimum payment will be used to reduce the balance with the 0% rate, while your high interest purchase balance continues to rack up interest.

Ideas to Help You Find the Right 0% APR Credit Card

The Current State of 0% APR Credit Cards: Although average 0% credit card offers currently last about 1 year, many credit card companies are offering 0% deals with significantly longer introductory rates. Presently, the longest intro periods for balance transfers and purchases last 21 months. In this article, you can learn what banks have the best deals. Full Article.

Timing is Crucial to Maximize 0% APR Benefits: When you open a new credit card account with a 0% rate, the clock starts ticking. If you use your card for balance transfers, you'll want to initiate the transfers as soon as possible to get the most value out of your 0% period. Full Article.

0% APR Balance Transfer Market Overview: Credit cards that offer a 0% APR on balance transfer offer consumers a unique opportunity to pay down credit card debt without the burden of daily compounding interest. In this article, you can learn about what types of 0% deals major credit card companies are offering on balance transfers. Full Article.

Resources: Credit Card Education Center | Credit Card Calculators | SCC Blog | Terms and Conditions/Disclosures | Privacy Policy/California Privacy Rights | About | Home

Government Resources: CARD Act Consumer Protections | Federal Trade Commission | Consumer Financial Protection Bureau

*Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Editorial Note: This content is not provided by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

© 2014 SmartCreditChoices.com. All rights reserved.