0% APR Credit Cards

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A 0% intro APR card is a tempting offer which allows users to pay no interest for a specific period. Depending on different issuers, the 0% introductory APR service can last from six months to about 21 months. Before you apply a 0% APR credit card, remember that most cards apply 0% APR to balance transfers or purchases, but not both. 0% intro APRs on purchases can really save you big money if you want to buy a car, plan a long vacation or buy other expensive things. 0% intro APRs on balance transfers can be a great way to pay down high-interest credit card debt and consolidate balances.
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Card Name BankAmericard® Credit Card
Purchases Intro APR See Terms for 15 billing cycles
Balance Transfers Intro APR See Terms for 15 billing cycles
Regular APR See Terms
Annual Fee $0
Credit Needed Good, Excellent
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Card Name Citi Simplicity® Card
Purchases Intro APR 0%* for 21 months*
Balance Transfers Intro APR 0%* for 21 months*
Regular APR 14.49% - 24.49% (Variable)
Annual Fee $0*
Credit Needed Good, Excellent
Card Name Barclaycard Ring™ Mastercard®
Purchases Intro APR 0% for 15 months
Balance Transfers Intro APR 0% for 15 months (on balance transfers made within 45 days of account opening)
Regular APR 13.74% Variable
Annual Fee $0
Credit Needed Excellent
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Card Name Citi® Diamond Preferred® Card
Purchases Intro APR 0%* for 21 months*
Balance Transfers Intro APR 0%* for 21 months*
Regular APR 13.49% - 23.49%* (Variable)
Annual Fee $0*
Credit Needed Good, Excellent
Card Name Citi ThankYou® Preferred Card
Purchases Intro APR 0%* for 12 months*
Balance Transfers Intro APR 0%* for 12 months*
Regular APR 14.49% - 24.49%* (Variable)
Annual Fee $0*
Credit Needed Excellent
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Card Name BankAmericard Cash Rewards™ Credit Card
Purchases Intro APR See Terms for 12 billing cycles
Balance Transfers Intro APR See Terms for 12 billing cycles
Regular APR See Terms
Annual Fee $0
Credit Needed Good, Excellent
Card Name NHL® Discover it® Card
Purchases Intro APR 0% for 14 months
Balance Transfers Intro APR 0% for 14 months
Regular APR 11.74% - 23.74% Variable
Annual Fee $0
Credit Needed Good, Excellent
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Card Name The Amex EveryDay® Credit Card from American Express
Purchases Intro APR 0% on Purchases for 12 months
Balance Transfers Intro APR 0% on Balance Transfers for 12 months
Regular APR 13.99%-23.99% Variable
Annual Fee $0
Credit Needed Good, Excellent
Card Name GM BuyPower Card from Capital One®
Purchases Intro APR 0% intro on purchases for 12 months
Balance Transfers Intro APR N/A
Regular APR 13.90% - 23.90% (V)
Annual Fee $0
Credit Needed Good, Excellent
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Card Name Costco Anywhere Visa® Card by Citi
Purchases Intro APR 0%* for 7 months on Purchases*
Balance Transfers Intro APR N/A
Regular APR 16.24* (Variable)
Annual Fee $0
Credit Needed Excellent
Card Name Chevrolet BuyPower Card from Capital One®
Purchases Intro APR 0% intro on purchases for 12 months
Balance Transfers Intro APR N/A
Regular APR 13.90% - 23.90% (V)
Annual Fee $0
Credit Needed Good, Excellent
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Card Name MasterCard® Black Card™
Purchases Intro APR N/A
Balance Transfers Intro APR 0% for 15 months
Regular APR 15.74% Variable
Annual Fee $495
Credit Needed Excellent
Card Name MasterCard® Titanium Card™
Purchases Intro APR N/A
Balance Transfers Intro APR 0% for 15 months
Regular APR 15.74% Variable
Annual Fee $195
Credit Needed Excellent
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Card Name MasterCard® Gold Card™
Purchases Intro APR N/A
Balance Transfers Intro APR 0% for 15 months
Regular APR 15.74% Variable
Annual Fee $995
Credit Needed Excellent
Card Name SimplyCash® Plus Business Credit Card from American Express
Purchases Intro APR 0% on Purchases for 9 months
Balance Transfers Intro APR N/A
Regular APR 13.24% - 20.24% Variable
Annual Fee $0
Credit Needed Excellent
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Card Name GMC BuyPower Card from Capital One®
Purchases Intro APR 0% intro on purchases for 12 months
Balance Transfers Intro APR N/A
Regular APR 13.90% - 23.90% (V)
Annual Fee $0
Credit Needed Good, Excellent
Card Name Capital One® Spark® Cash Select for Business
Purchases Intro APR 0% on purchases for 9 months
Balance Transfers Intro APR N/A
Regular APR 13.99% - 21.99% (Variable)
Annual Fee $0
Credit Needed Good, Excellent
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Card Name Capital One® Spark® Miles Select for Business
Purchases Intro APR 0% on purchases for 9 months
Balance Transfers Intro APR N/A
Regular APR 13.99% - 21.99% (Variable)
Annual Fee $0
Credit Needed Good, Excellent
Card Name Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Purchases Intro APR 0% for 9 billing cycles
Balance Transfers Intro APR N/A
Regular APR See Terms
Annual Fee $0
Credit Needed Excellent
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Card Name Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Purchases Intro APR 0% for 9 billing cycles
Balance Transfers Intro APR N/A
Regular APR See Terms
Annual Fee $0
Credit Needed Excellent
Card Name GM BuyPower Business Card from Capital One®
Purchases Intro APR 0% intro on purchases for 12 months
Balance Transfers Intro APR N/A
Regular APR 14.24% Variable APR
Annual Fee $0
Credit Needed Excellent
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Card Name Costco Anywhere Visa® Business Card by Citi
Purchases Intro APR 0%* for 7 months on Purchases*
Balance Transfers Intro APR N/A
Regular APR 16.24* (Variable)
Annual Fee $0
Credit Needed Excellent
Card Name BankAmericard Cash Rewards Credit Card for Students
Purchases Intro APR 0% for 12 billing cycles
Balance Transfers Intro APR 3% of each transaction (minimum $10)
Regular APR 13.99% - 23.99%
Annual Fee $0
Credit Needed Average
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Card Name Chase Freedom Unlimited®
Purchases Intro APR 0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR 0% Intro APR on Balance Transfers for 15 months
Regular APR 18.49% - 27.99% Variable
Annual Fee $0
Credit Needed 670-850 (Good to Excellent)
Card Name Capital One Savor Cash Rewards Credit Card
Purchases Intro APR 0% intro on purchases for 12 months
Balance Transfers Intro APR 0% intro on balance transfers for 12 months
Regular APR 18.74% - 28.74% (Variable)
Annual Fee $0
Credit Needed 670-850 (Good to Excellent)
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Card Name Blue Cash Everyday® Card from American Express
Purchases Intro APR 0% on purchases for 15 months
Balance Transfers Intro APR 0% on balance transfers for 15 months
Regular APR 19.74%-28.74% Variable
Annual Fee $0
Credit Needed Good to Excellent
Card Name Discover it® Cash Back
Purchases Intro APR 0% intro APR for 15 months
Balance Transfers Intro APR 0% intro APR for 15 months
Regular APR 17.74% - 26.74% Variable APR
Annual Fee $0
Credit Needed 670-850 (Good to Excellent)
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Card Name Wells Fargo Active Cash® Card
Purchases Intro APR 0% intro APR for 12 months from account opening on purchases
Balance Transfers Intro APR 0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR 18.74%, 24.74%, or 28.74% Variable APR
Annual Fee $0
Credit Needed 670-850 (Good to Excellent)
Card Name Wells Fargo Reflect® Card
Purchases Intro APR 0% intro APR for 21 months from account opening on purchases
Balance Transfers Intro APR 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR 17.74%, 24.24%, or 28.49% Variable APR
Annual Fee $0
Credit Needed 670-850 (Good to Excellent)
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Card Name Blue Cash Preferred® Card from American Express
Purchases Intro APR 0% on purchases for 12 months
Balance Transfers Intro APR 0% on balance transfers for 12 months
Regular APR 19.74%-28.74% Variable
Annual Fee $0 intro annual fee for the first year, then $95.
Credit Needed Good to Excellent
Card Name Ink Business Unlimited® Credit Card
Purchases Intro APR 0% Intro APR on Purchases for 12 Months
Balance Transfers Intro APR N/A
Regular APR 16.99% - 24.99% Variable
Annual Fee $0
Credit Needed 670-850 (Good to Excellent)
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