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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.
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Zero APR Credit Cards |
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% |
12 Months |
10.99% |
$0 |
Yes |
Good Credit |
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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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% |
Until 10/09 |
9.9% |
$0 |
Yes |
Excellent Credit |
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- 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.
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| 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 |
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% |
12 Months* |
10.99% |
$0 |
Yes |
Excellent Credit |
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- 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
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| 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 |
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- 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.
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| 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 |
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0% |
12 Months* |
10.99% |
$0 |
Yes |
Good Credit |
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- 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.
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| 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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