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0% Interest Credit Cards

0 Interest credit cards are very helpful for those who want to save money by either transfering a credit card balance to a card with a 0% Interest on Balance Transfers, or for someone who may be making a large purchase and would like to pay it off over time without paying interest on the purchase.

Compare the 0% Introductory Interest Rate credit cards below. You may apply online for the credit card of your choice by clicking on the "Apply Now" button.


0% Interest Credit Card Promotions
Pay NO Interest for Up to 21 Months with the Following Credit Cards

Card Name Intro Rate Balance Transfer
Intro Rate
Regular Apr Annual Fee Editor's Rating down

Chase Freedom® Visa - $100 Bonus Cash Back


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  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • 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 and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*
    11.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards


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  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 12.99-22.99% (Variable)* $0.00* Excellent

    Blue Sky from American ExpressSM


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  • No annual fee
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
  • Pay your bill all at once, or over time. It's up to you.
  • Blue Savings Program®: big deals on big brands, all the time
  • Rated 'Best Airline Credit Card' by Card Ratings Consumer's Choice Awards in 2010
  • Get approved in 60-seconds

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*
    17.24-22.24% (Fixed)* $0.00* Excellent Credit*

    Citi® Platinum Select® MasterCard®


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  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*
    11.99-21.99% (Variable)* $0.00* Excellent Credit*

    Citi Simplicity® Card


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  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*
    12.99-21.99% (Variable)* $0.00* Excellent Credit*

    Miles by Discover® Card


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  • Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*
    10.99-16.99% (Variable)* $0.00* Excellent

    Escape by Discover® Card


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  • Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*
    10.99-16.99% (Variable)* $60.00* Excellent Credit*

    Slate® from Chase


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  • 0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends
  • Slate with Blueprint® helps you pay down your balances faster and save on interest
  • Transfer your higher rate balances
  • No Annual Fee

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 15 months on purchases*
    11.99-21.99% (Fixed)* $0.00* Excellent Credit*

    Discover® More® Card - Balance Transfer Fee*


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  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*
    10.99-20.99% (Fixed)* $0.00* Excellent Credit*

    Citi Forward® Card


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  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 7 months on purchases*
    12.99-22.99% (Variable)* $0.00* Excellent

    Discover® Open Road Card


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  • Receive a $150 Restaurant.com Gift Certificate with first purchase
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 2% automatically at any gas station and any restaurant all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*
    10.99-20.99% (Variable)* $0.00* Excellent

    Visa® Black Card


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  • Made with carbon, not just another piece of plastic; Membership is limited
  • 24-hour concierge service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Accepted globally; zero liability protection against unauthorized purchases

  • Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 14.99% (Fixed)* $495.00* Excellent Credit*

    0 Interest Credit Cards

    0% Interest Credit Card Offers are traditionally aimed towards people with higher credit scores. The 0% Interest rate normally lasts from 6 to 12 months.

    However, the Citi® Platinum Select® MasterCard® and the Citi® Diamond Preferred® Card are currently offering a 0% Introductory rate for 21 months on Purchases and Balance Transfers as well.

    This means you can purchase that new sofa you've had your eye on and you'll have 21 months to pay for it without wasting a lot of your hard earned money paying all that interest.

    After the introductory period, regular interest rates will apply.


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