0 APR Credit Card Offers - The Best 0 APR Credit Cards
One of the biggest differences between credit cards is the APR (annual percentage rate) that determines your total interest paid. A popular trend in credit cards is low interest cards that offer 0% APR for a special introductory period, usually for one year. Regular APR applies after that.
Some 0 APR credit card offers only apply to balance transfers, while others are more flexible. Low interest credit cards often offer rewards programs as well, giving you numerous reasons to choose their services. Factors to consider include:
- Length of interest free period.
- APR following introductory period.
- Does interest free rate apply only on balance transfers?
- Does the card include other offers of interest to you, such as cash back rewards, point programs, etc.
0 APR credit cards are a good solution if you are currently carrying a balance on one or more higher interest cards, giving you a break on interest owing and helping to pay off balances more quickly. Choose your credit cards wisely in order to make the most of your money, and avoid paying unnecessary fees. The best way to avoid credit card debt is to pay your balance in full, but in a situation where that is not possible, a low interest or 0 APR credit card may be the right choice for you.
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Miles by Discover® Card
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- 12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don\'t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
Varies |
$0 |
Very Good |
Discover® More Card - 24 Month Promotional Balance Transfer
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- Limited Time - 0% intro APR on balance transfers for a full 24 months, then the Regular APR
- Promotion only valid through February 28, 2011
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 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
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
11.99% - 20.99% (V)* Variable |
$0 |
None |
Escape by Discover® Card
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- 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- No limit on the Miles you earn and Miles don\'t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
Varies |
$60 |
None |
Discover® Student Card - Clear
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- 0% Intro APR on purchases for 9 months.
- 5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more.
- Up to 1% unlimited Cashback Bonus on everything else you buy.
- No Annual Fee
- Apply online now at the card issuer or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 9 Months |
as low as 13.99%* Variable Variable |
$0 |
None |
Blue Cash® from American Express
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- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases for up to 12 months |
17.24%-21.24% Variable Variable |
$0 |
None |
Discover® More Card - No Balance Transfer Fee
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- Limited Time - No Balance Transfer Fee
- Promotion only valid through February 28, 2011
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 12 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
11.99% - 20.99% (V)* Variable |
$0 |
None |
IberiaBank Visa® Select Card
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- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR w
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest
- Online access to credit card account information
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0.00% or 7.50% for 12 Months on Purchases |
7.50% Variable |
$45 |
None |
Discover® Mix Tape Student Card
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- 0% Intro APR on purchases for 9 months.
- 5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more.
- Up to 1% unlimited Cashback Bonus on everything else you buy.
- No Annual Fee
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 9 Months |
as low as 13.99%* Variable Variable |
$0 |
None |
Discover® More Card
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- 0% intro APR on balance transfers for a full 18 months, then the Regular APR
- 0% intro APR on purchases for a full 12 months, then the Regular APR
- 5% Cashback Bonus® in seasonal 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
- Apply online now at the card issuer or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
11.99% - 20.99% (V)* Variable |
$0 |
Very Good |
Ink Bold℠ with Ultimate Rewards - 25,000 Bonus Points
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- Earn 25,000 bonus points after your first purchase
- No limit to the number of points you can earn — and points never expire
- Over 45,000 bonus points every year redeemable towards flights and just about anything else!
- No interest expense and up to 30 days to pay with this pay-in-full charge card
- First year free ($95 value)*
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Introductory APR for 6 months* |
No APR |
$95 |
None |
SimplyCash® Business Card from American Express OPEN
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- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for Up to 12 Months |
13.24% Variable |
$0 |
Very Good |
Household Bank® Premium MasterCards
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- An excellent choice for people with fair or good credit
- 0% Introductory APR on Purchases for 9 months and a Variable 19.90% APR thereafter
- 1% Cash Back Rewards on every credit card purchase
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Online Account access
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Introductory APR on Purchases |
19.90% Variable |
$0 |
Bad Credit OK |
