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.

Apply for a 0 APR Credit Card Online

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Discover® More Card - $100 Cashback Bonus

Discover® More Card - $100 Cashback Bonus

Apply for Discover® More Card - $100 Cashback Bonus

  • 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 $100 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* 11.99% - 20.99% (V)* Variable $0 Very Good

Miles by Discover® Card

Miles by Discover® Card

Apply for Miles by Discover® Card

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* Varies $0 Very Good

Discover® Open Road Card - $75 Restaurant.com Gift Certificate

Discover® Open Road Card - $75 Restaurant.com Gift Certificate

Apply for Discover® Open Road Card - $75 Restaurant.com Gift Certificate

  • Free $75 Restaurant.com Gift Certificate with first purchase
  • 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 months, then the Regular APR
  • Apply online now at the card issuer.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* 11.99% - 20.99% (V)* Variable $0 Very Good

IberiaBank Visa® Select Card

IberiaBank Visa® Select Card

Apply for IberiaBank Visa® Select Card

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0.00% or 7.50% for 12 Months on Purchases 7.50% Variable $45 None

Blue Cash® from American Express

Blue Cash® from American Express

Apply for Blue Cash® from American Express

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% on Purchases for up to 12 months 17.24%-21.24% Variable Variable $0 None

Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)

Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)

Apply for Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers
  • 0% Intro APR for 6 months on purchases
  • 5% Cash Back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly enrollment and maximum.
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Apply online now at Chase.
Intro APR Regular APR Annual Fee Credit Needed
12 months on balance transfers, 6 months on purchases As low as 11.99% Variable Variable $0 None

Blue Sky from American Express℠

Blue Sky from American Express℠

Apply for Blue Sky from American Express℠

  • No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
  • Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
  • Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
  • Feel secure with protection from fraudulent charges and extensions of manufacturer\'s warranties on eligible purchases
  • Apply online now at American Express.
Intro APR Regular APR Annual Fee Credit Needed
0% on Purchases for up to 12 months 17.24%-21.24% Variable Variable $0 None

Escape by Discover® Card

Escape by Discover® Card

Apply for Escape by Discover® Card

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* Varies $60 None

Slate℠ from Chase

Slate℠ from Chase

Apply for Slate℠ from Chase

  • 0% Intro APR for up to 15 months
  • Slate with BlueprintSM helps you pay down your balances faster and save on interest
  • Transfer your higher rate balances
  • Zero liability on unauthorized purchases
  • No Annual Fee
  • Apply online now at Chase.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for up to 15 Months Varies $0 None

SimplyCash® Business Card from American Express OPEN

SimplyCash® Business Card from American Express OPEN

Apply for SimplyCash® Business Card from American Express OPEN

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for Up to 12 Months 13.24% Variable $0 Very Good

Discover® Student Card - Monogram Collection

Discover® Student Card - Monogram Collection

Apply for Discover® Student Card - Monogram Collection

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Interest* for 9 Months as low as 13.99%* Variable Variable $0 None

Onyx Card

Onyx Card

Apply for Onyx Card

Intro APR Regular APR Annual Fee Credit Needed
0% APR on All Purchases for Life 0% Fixed $0 Bad Credit OK

The credit card information shown here is provided by . Reviews are believed to be accurate during the time of evaluation, however, information posted may change after the review date, therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.