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® Student Card - Tropical Beach

Discover® Student  Card - Tropical Beach

Apply for Discover® Student  Card - Tropical Beach

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

Discover® Student Card

Discover® Student Card

Apply for Discover® Student Card

  • 0% Intro APR on purchases for 6 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Interest* for 6 Months as low as 13.99%* Variable Variable $0 Very Good

Ink Bold℠ with Ultimate Rewards - 25,000 Bonus Points

Ink Bold℠ with Ultimate Rewards - 25,000 Bonus Points

Apply for Ink Bold℠ with Ultimate Rewards - 25,000 Bonus Points

  • 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.
Intro APR Regular APR Annual Fee Credit Needed
0% Introductory APR for 6 months* No APR $95 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

Ink℠ Reward Yourself with Something Special - 15,000 Bonus Points

Ink℠ Reward Yourself with Something Special - 15,000 Bonus Points

Apply for Ink℠ Reward Yourself with Something Special - 15,000 Bonus Points

  • 15,000 bonus points after first purchase*
  • No limit to the number of points you can earn — and points never expire
  • You earn 2 points per dollar spent when you book airfare through Ultimate Rewards*
  • Flexibility in Rewards — you can redeem your points for anything you want — from travel and merchandise to gift cards and more.
  • 0% Introductory APR for 6 months*
  • Apply online now at Chase.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months Varies $0 None

Discover® Open Road Card for Students

Discover® Open Road Card for Students

Apply for Discover® Open Road Card for Students

  • 0% Intro APR on purchases for 9 months.
  • Double Cashback Bonus® at any gas station and any restaurant.
  • 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

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

Ink Cash℠ Business Card - $150 Bonus Cash Back

Ink Cash℠ Business Card - $150 Bonus Cash Back

Apply for Ink Cash℠ Business Card - $150 Bonus Cash Back

  • 3% cash back on eligible fuel, home improvement, dining and office supply purchases, on up to $2,000 in monthly spend
  • $150 cash back after first purchase — that's 15,000 bonus points
  • Unlimited 1% cash back on all other eligible purchases*
  • No limit to the number of points you can earn
  • Up to 10 points for $1 spent when you shop online through Chase Rewards Plus+SM
  • Apply online now at Chase.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months 13.24% - 19.24% Variable* Variable $0 None

Blue from American Express®

Blue from American Express®

Apply for Blue from American Express®

  • 0% Intro APR for up to 12 months on purchases
  • No Annual Fee
  • Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
  • Express Approval. Get a decision in less than 60 seconds.
  • Apply online now at American Express.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for up to 12 Months Varies $0 None

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

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

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

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.