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0% APR CREDIT CARD OFFERS

If you're considering a 0% APR credit card, now is the time to lock in a low rate on purchases or balance transfers. Credit card companies have cut down on the most generous 0% APR deals, and the new credit card legislation may limit the availability of these great, money saving deals even more. Fortunately, a number of companies still offer very good 0% APR credit cards.

Below you will find information on 0% 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.

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS


  • 1 mile per dollar spent on purchases up to $1,000 each month
  • 2 miles per dollar above $1,000 each month
  • No limit on the miles you can earn and miles don't expire
  • Redeem for Travel, Merchandise, Gift Cards and more
  • No blackout dates and no seat restrictions
  • Fly FREE on any airline to any destination
  • No foreign transaction fees
  • 0% APR on purchases until November 2010
  • No annual fee

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% on purchases *
Until 11/2010 *
13.9%(V) *
None *
Yes
Excellent

DISCOVER® MORE(SM) CARD - AMERICAN FLAG - 0% FOR 12 MONTHS


  • 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*
  • Earn more cash in more ways than anyone else
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online
  • Double rewards with more than 100 Cashback Bonus Partners
  • Customer Service in less than a minute, anytime you want

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% *
12 Months *
As Low As 11.99% *
None *
Yes
Good

CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT


  • 2% cash back on gas and groceries
  • 1% cash back on all other purchases
  • No limit on the cash you can earn and cash won't expire
  • Redeem cash rewards for statement credit, check or gift card
  • Get your cash back whenever you want, even set up automatic redemption
  • 0% APR on purchases until November 2010
  • No foreign transaction fees
  • No annual fee

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% on purchases *
Until 11/2010 *
14.9%(V) *
None *
Yes
Excellent

SLATE(SM) FROM CHASE


  • Now with Blueprint(SM)
  • 0% intro APR for up to 12 months on Purchases and Balance Transfers
  • Patented Fraud Protection
  • Zero Liability on Unauthorized Purchases
  • E-mail and text alerts
  • No Annual Fee


Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% *
up to 12 Months *
As low as 13.24% *
None *
Yes
Good

GOLF MAGAZINE REWARDS VISA® CARD


  • Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles.
  • Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value!
  • Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards
  • Points don't expire (as long as your account is open and you use your credit card every 24 months)
  • No annual fee

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% on Transfers *
6 Months *
16.24% *
None *
Yes
Excellent

CAPITAL ONE® ORBITZ® VISA® PLATINUM - EXCELLENT CREDIT


  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
  • Bonus points on eligible Orbitz.com bookings
  • No limit on the points you can earn and points don't expire
  • Redeem points for Travel, Merchandise, Gift Cards and more
  • Earn travel quickly with low redemption minimums
  • 250 point refueling bonus when you redeem points for awards
  • No annual fee

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% on purchases *
Until 11/2010 *
13.9%(V) *
None *
Yes
Excellent

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The Future of 0% Credit Card Offers

Put succinctly, the future of 0% credit card offers is uncertain. During the past five years, it was hard to open up your mailbox and not receive an offer for a 0% deal. Recently, you may have noticed a sharp decrease in these mailings. And soon, those 0% APR offers we’ve all taken for granted may become a thing of the past.

There are a number of reasons to be concerned about the future availability of 0% credit card rates. First, of course, is the credit crunch. If banks won’t lend money to consumers with good credit who want to buy homes, it is very possible, if not likely, that they will stop giving consumers 0% interest rates to fund everyday purchases.

A second reason to fear for the future of 0% credit cards is a new set of regulations that target certain credit card practices. These new regulations are best known as the “Credit Cardholders’ Bill of Rights Act of 2009.” While these new rules will provide a number of consumer protections, they will also alter the way credit card companies do business, particularly in the area of 0% interest lending.

History, too, offers a reason to fear the disappearance of 0% credit cards. In 1999, less than 40% of credit card offers provided introductory rates, and those rates were in the 1.9% to 5% range. In 2001, a good introductory rate offer was 2.9%. And this was long before the words credit crunch entered the public dialogue.

0% credit cards are an excellent way to manage expenses and facilitate debt reduction. For example, a person with a $3000 balance on a credit card that charges a 14% interest rate can save over $400 on interest in a single year by doing a 0% APR balance transfer. Similarly, using a 0% credit card to make new purchases can allow you to keep more money in the bank (earning interest, hopefully).

Unfortunately, the 0% APR party may be coming to an end. However, its not too late to take advantage of these deals. Yet.

*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

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