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® More® Card - Clear
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- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- 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 |
as low as 11.99% Variable |
$0 |
Very Good |
Miles by Discover® Card
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- 12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- 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* |
as low as 11.99% Variable |
$0 |
Very Good |
Discover® Open Road(SM) Card
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- Double Cashback Bonus at any gas station and any restaurant
- 5% to 20% Cashback Bonus at top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
- Redeem for Partner gift cards, merchandise, Discover (R) gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
11.99% Variable |
$0 |
Very Good |
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% APR for 6 Months |
15.24% Variable |
$0 |
None |
Discover® Student Card - Clear
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- 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 |
14.99% Variable |
$0 |
None |
Discover® More® Card - Shamrock
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- 0% APR on Purchases for a FULL 9 months
- 0% APR on Balance Transfers for a FULL 12 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR |
as low as 12.99% Variable |
$0 |
Very Good |
Discover® More® Card - Monogram
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- 0% APR on Balance Transfers for a FULL 12 Months
- 0% APR on Purchases for a FULL 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR |
as low as 11.99% Variable |
$0 |
Very Good |
Discover® More® Card - Sealife Collection
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- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR |
as low as 11.99% Variable |
$0 |
Very Good |
Slate℠ from Chase
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- 0% Intro APR for up to 12 Months*
- No Annual Fee*
- Pay Down Balances on Your Terms with BlueprintSM
- Zero Liability on Unauthorized Purchases
- E-mail and Text Alerts
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for up to 12 Months* |
13.24%, 17.24%, or 22.24% Variable |
$0 |
None |
Discover® Student Card - Monogram Collection
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
14.99% Variable |
$0 |
None |
Discover® Student Card
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- 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 |
14.99% Variable |
$0 |
Very Good |
Public Savings Bank Classic Secured VISA Card
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- 0% APR for 6 Months on Purchases
- No Annual Fee
- We Report to All 3 Credit Bureaus
- No Minimum Credit Score, No Income/Employment Verifications
- 25 Day Grace Period
- 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 |
