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>> About 0% APR Credit Cards
Although most credit cards advertise a 0% APR for 1 year, not all credit cards deliver on this promise.  In the fine print of most credit card applications, you will find that many cards which offer a 0% APR for 1 year may approve your application and grant you a 0% rate for as little as 3 months. 

Below, you can compare current 0% APR credit card offers.  To locate the best deal, avoid credit cards that advertise a 0% APR for 1 year but don't guarantee you will get that rate for a full year.  Presently, we recommend the Discover More Card, as it delivers a 0% APR on both purchases and balance transfers for a full year to approved applicants.

 
Zero APR Credit Cards
Discover® More (SM) Card

  • Highly Recommended: The Discover More Card offers a 0% APR on both purchases and balance transfers for 1 full Year
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.99% $0 Yes Good Credit
 
Capital One® No Hassle Miles (SM) Rewards - Excellent Credit

Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases

  • Save with a 0% intro APR on purchases until October 2009
  • No expiration date on miles and no limit on the miles you can earn
  • No expiration date on miles and no limit on the miles you can earn
  • Offers a 0% APR on purchases until October 2009
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% Until 10/09 9.9% $0 Yes Excellent Credit
 
Blue from American Express®

  • Offers a 0% APR on purchases for up to 12 months, based on a review of your credit
  • Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
  • No Annual Fee
  • Low Balance Transfer APR - 2.99% APR for 1 year
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% up to 12 Months As low As 10.99% $0 2.99% Excellent Credit
 
Discover® Open Road (SM) Card

  • 0% Intro APR* for 12 months on balance transfers and 6 months on purchases
  • Save at the pump and everywhere else.*
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus at top online retailers*
  • Up to 1% Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months* 10.99% $0 Yes Excellent Credit
 
Citi@ Platinum Select@ MasterCard

  • 0% APR* on balance transfers and purchases for up to 12 months
  • You may be approved and offered a 0% APR for only 6 months
  • No annual fee
  • Citi Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% up to 12 Months as low as 7.49% $0 Yes Excellent Credit
 
Clear From American Express®

  • No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
  • Automatic Rewards.
  • Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
  • No annual fee and 0% intro APR for up to 12 months.
  • World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% up to 12 Months As low As 11.99% $0 3.99% Excellent Credit
 
Discover® More (SM) Card - Sealife Collection

  • 0% Intro APR on balance transfers for 12 months and a 0% APR for 6 months on purchases
  • Choose your own Sea Life Design
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months* 10.99% $0 Yes Good Credit
 
Bank of America Accelerated Rewards™ American Express® Card

  • Earn rewards faster with 1.25 points for every net retail purchase dollar§
  • 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
  • No annual fee and the flexibility to pay over time
  • Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates§
  • Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
  • Free 24/7 Concierge Service
  • Access to more than 2,200 American Express Travel Services locations worldwide to help you.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 9.99%/15.99% $0 Yes Excellent Credit
 
 
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