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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Discover® Open Road Card
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
- 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 |
Very Good |
Discover® More Card - $75 Cashback Bonus
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 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 |
Very Good |
Public Savings Bank Classic Secured VISA Card
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- Build Credit History - We Report to All 3 Major Credit Bureaus
- 0% APR on All Purchases for the First 6 Months
- No Annual Fees or Monthly Maintenance Fees
- No Credit Check
- No Checking Account Required
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 6 Months |
11.24% Variable |
$0 |
None |
Chase Freedom℠ Visa
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- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 12 months on balance transfers, 6 months on purchases* |
Varies |
$9999 |
None |
Discover® Student Card
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- 5% Cashback Bonus* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
- Data
- 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 6 Months |
as low as 13.99%* Variable Variable |
$0 |
Very Good |
Discover® Mix Tape Student Card
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- Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
as low as 13.99%* Variable Variable |
$0 |
None |
TrueEarnings® Card from Costco and American Express
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- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases for 6 months |
15.24% 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 |
Blue Sky from American Express®
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- 0% Intro APR for 6 Months on Purchases
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases for 6 months |
17.24%-21.24% Variable Variable |
$0 |
None |
Blue Cash® from American Express
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- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for 6 Months on Purchases
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases for 6 months |
17.24%-21.24% Variable Variable |
$0 |
None |
Ink℠ with Ultimate Rewards℠
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- Cash back plus a million other redemption options
- No dollar goes unrewarded
- No caps and points never expire
- Unlimited rewards for you or your business
- When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points*
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 6 Months |
As low as 11.24% (V) Variable |
$0 |
None |
Discover® Student Card - Tropical Beach
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- 5% Cashback Bonus?* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
- Data
- 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 6 Months |
as low as 13.99%* Variable Variable |
$0 |
None |
