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

Secure SSL Lock Secure Online Applications
All credit card applications use Secure SSL Technology to keep your personal data safe.

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

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

Discover® More Card - 24 Month Promotional Balance Transfer

Discover® More Card - 24 Month Promotional Balance Transfer

Apply for Discover® More Card - 24 Month Promotional Balance Transfer

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* 11.99% - 20.99% (V)* Variable $0 None

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

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

Discover® More Card

Discover® More Card

Apply for Discover® More Card

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

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

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

Ink Plus℠ with Ultimate Rewards℠ - $100 Bonus Cash Back

Ink Plus℠ with Ultimate Rewards℠ - $100 Bonus Cash Back

Apply for Ink Plus℠ with Ultimate Rewards℠ - $100 Bonus Cash Back

  • Earn up to 35,000 bonus points in your first year
  • $100 cash back after first purchase that\'s 10,000 bonus points*
  • Complimentary airport lounge access
  • Premium travel benefits
  • No limit to the number of points you can earn and points never expire
  • Apply online now at Chase.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months Varies $60 None

Discover® More Card - No Balance Transfer Fee

Discover® More Card - No Balance Transfer Fee

Apply for Discover® More Card - No Balance Transfer Fee

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* 11.99% - 20.99% (V)* Variable $0 None

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

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.