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0% APR Credit Cards

Credit card companies offer 0% APR deals to attract new customers. Some credit card companies are straightforward with these offers; others use fine print trickery to give the impression that 0% rates last longer than they really do.

A prime example can be found in the fine print of any credit card that offers a 0% APR for up to 12 months. With these offers, people with excellent credit might get a 0% APR for the advertised 12 months. However, other applicants may only get a 0% interest rate for as little as 6 months. The best 0% credit card offers tend to offer a single rate to all qualified applicants.

Below you can learn more about current 0% APR credit card offers and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.

Capital One® Platinum Prestige Credit Card

0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
0% intro APR until August 2011 on purchases
Transfer your higher-rate balances
$0 Fraud Liability if your card is lost or stolen
24-hour travel & emergency assistance gives you a replacement card and cash advance
24-hour roadside assistance
Travel accident insurance
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% until August 2011	0% until August 2011	11.9% (V)	None	Excellent

Citi® Platinum Select® MasterCard®

0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
Citi® Identity Theft Solutions
Secure, free online account management
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 months on Purchases*	0% for 18 months on Balance Transfers*	11.99% - 19.99%* (Variable)	None	Good

Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
Get $75 Cashback Bonus when you make $500 in purchases within 3 months
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0%* for 6 months*	0%* for 12 months*	11.99% - 20.99% (Variable)*	None	Excellent

Capital One® VentureOne(SM) Rewards Credit Card

1.25 miles per dollar on every purchase, every day
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
Use rewards for travel, merchandise, gift cards and more
0% intro APR on purchases until August 2011
No foreign transaction fees
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% on purchases until August 2011	N/A	13.9% (V)	None	Excellent

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% intro APR on purchases until August 2011
No foreign transaction fees
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% on purchases until August 2011	N/A	14.90% (V)	None	Excellent

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About 0% APR Credit Card Offers

0% APR credit card offers aren't the most transparent type of credit card deal. Some credit card companies advertise 0% interest rates for "up to" a certain amount of months. However, in the fine print, a credit card that offers a 0% APR for up to 12 months may only grant 0% rates for as little as 6 months. The length of the 0% APR you get with one of these offers is based on the credit card company's review of your credit and the information you supply on your credit card application. Typically, the longest 0% APR deals are reserved for applicants with excellent credit.

Some credit card companies are more straightforward with 0% APR offers. These companies deliver the full advertised 0% interest rate period to all approved applicants. If you have excellent credit, getting the longest advertised rate likely will not be an issue. However, if your credit is good, but not great, be careful when selecting a 0% credit card. This is especially true if you intend to use your card for balance transfers and initiate a balance transfer online. You could end up paying balance transfer fees and losing out on half of the expected 0% period.

Articles About 0% APR Credit Card Offers

Secrets of 0% APR Credit Card Applications: Okay, so I've mentioned this five times already, but it is really important to closely examine the fine print of 0% credit card offers to make sure you get the deal you applied for. This article shines a light on what exactly you should look for when evaluating a 0% offer.

*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.