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Apply for a 0% APR Credit Card

Credit card companies are presently offering some of the longest 0% interest promotions in nearly a decade. Consumers with good or excellent credit can obtain a 0% APR for up to 18 months on both purchases and balance transfers. Additionally, it is also possible to obtain sign up bonuses worth as much as $100 on a number of rewards cards that also offer 0% rates.

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

Citi Simplicity® Card

  • 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.

  • Discover it®
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply.'

  • Purchase
    Intro APR
    Balance Transfer
    Intro APR
    Regular APR
    0%* for 18 months* 0%* for 18 months* 12.99% - 21.99%* (Variable)*

    Apply Now

     
    Purchase
    Intro APR
    Balance Transfer
    Intro APR
    Regular APR
    0% for 6 months* 0% for 18 months* 10.99% - 22.99% Variable*

    Apply Now


    Discover it®

    Apply Now

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply.'
  • Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0%
    for 14 months*
    0%
    for 14 months*
    10.99% - 22.99% Variable* $0* Excellent Credit

    Citi® Dividend Platinum Select® Visa® Card

    Apply Now

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
  • Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0%*
    for 12 months*
    0%*
    for 12 months*
    12.99%-22.99%* (Variable)* $0* Excellent Credit

    Citi ThankYou® Preferred Card

    Apply Now

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0%*
    for 15 months*
    0%*
    for 15 months*
    12.99%-22.99%* (Variable)* $0* Excellent Credit

    Citi Simplicity® Card

    Apply Now

  • 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.
  • Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0%*
    for 18 months*
    0%*
    for 18 months*
    12.99% - 21.99%* (Variable)* $0* Excellent Credit


     
     

    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.

    Recently, credit card companies have dramatically increased the length of 0% credit card offers. Today, it is possible to get a 0% rate on purchases or balance transfers that lasts 15 months or more. This was not the case a few months ago and these long term 0% APR credit card offers may only be available for a limited time.

    The reason it is now possible to get extremely long 0% interest rates is competition. Credit card companies have been battling for new business by trying to offer the best deals. However, if interest rates start to rise or the economy fails to improve, expect the length of 0% APR credit cards to drop back to the historical norm of 12 months.

    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.

     
     
     

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    *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 Online" button, you can review the credit card terms and conditions on the issuing company's website. Discover and other credit card companies are paid advertisers on CardWisdom.com.

    Disclaimer: This content is not provided or commissioned 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. This site may be compensated through the credit card issuer Affiliate Program.
     
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