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0% APR Credit Card Offers

Companies offer 0% APR credit card 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% APR offers 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% APR credit cards 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.

Citi® Platinum Select® MasterCard®

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0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
No annual fee*

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 18 months	0% for 18 months	11.99% - 21.99%* (Variable)	None	Good

Discover® More Card - $0 Balance Transfer Fee

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Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 Months*	0% for 12 Months*	10.99% - 19.99% (Variable)*	None	Good

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

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$100 cash back after $500 in purchases within the first 3 months of account opening.
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
Full 1% cash back on all other purchases and eligible cash advances
No Annual Fee*

Credit Card Offer 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)	None	Good

Capital One® VentureOne(SM) Rewards Credit Card

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1.25 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, 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 won't expire
Fly free on any airline, any time with no blackout dates
0% intro APR on purchases until February 2013*
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 February 2013*	N/A	11.9% - 19.9% (V)	$0	Excellent

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.
Peace of mind through direct access to a service representative, no late fees and no penalty rate
No annual fee*

Credit Card Offer Details

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)	None	Good

Capital One® Platinum Prestige Credit Card

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0% intro APR until May 2013 on balance transfers
0% intro APR until until March 2013 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

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% until May 2013*	0% until May 2013*	10.9% - 18.9% (V)	None	Excellent

Capital One® Cash

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$100 Bonus after you spend $500 in the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash rewards that don't expire
Redeem cash rewards anytime for any amount, even set up automatic redemption
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until February 2013

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% until February 2013*	0%* until February 2013*	12.9% - 20.9% (V)*	$0	Excellent Credit*

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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.

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.

*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.