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APPLY FOR A 0% APR CREDIT CARD
Credit card companies are presently offering extremely generous 0% APR credit card promotions. A little over a year ago, most cards only offered 0% rates for 6 to 12 months. Today, a number of credit cards offer 0% rates lasting up to 18 months that apply to both purchases and balance transfers.
Below you will find information on 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.
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CITI SIMPLICITY® CARD |
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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.
- 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.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 18 months*
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0%* for 18 months*
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12.99% - 21.99%* (Variable)*
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$0*
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Excellent Credit
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DISCOVER IT® |
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- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% for 14 months*
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0% for 14 months*
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10.99% - 22.99% (V)*
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$0
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Excellent Credit
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CITI THANKYOU® PREFERRED REWARDS CARD |
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- Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
- 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on all purchases
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 12 months*
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0% for 12 months*
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12.99%-22.99%* (Variable)*
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$0*
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Excellent Credit
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CAPITAL ONE® VENTUREONESM REWARDS CREDIT CARD |
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- 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 on purchases within the first 3 months, equal to $100 in 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 2014
- No foreign transaction fees
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% until June 2014*
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N/A*
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11.9% - 19.9% (V)*
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$0
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Excellent Credit
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BANKAMERICARD CASH REWARDS™ CREDIT CARD |
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- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when 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, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 12 billing cycles*
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0%* for 12 billing cycles for qualifying balance transfers*
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12.99% - 22.99% Variable* on purchases & balance transfers*
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None*
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Excellent Credit
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DISCOVER IT® |
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- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% for 6 months*
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0% for 18 months*
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10.99% - 22.99% (V)*
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$0
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Excellent Credit
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CAPITAL ONE® PLATINUM PRESTIGE CREDIT CARD |
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- 0% intro APR until September 2014 on balance transfers
- 0% intro APR until September 2014 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 on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% until September 2014*
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0% until September 2014*
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10.9% - 18.9% (V)*
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$0
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Excellent Credit
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CITI® DIAMOND PREFERRED® CARD |
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- 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique 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 on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 18 months*
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0%* for 18 months*
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11.99%-21.99%* (Variable)*
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$0*
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Excellent Credit
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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.
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