0% Interest Credit Cards
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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.
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0% Interest Credit Card Promotions
Pay NO Interest for Up to 21 Months with the Following Credit Cards
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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 accountsEarn $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 purchases5% 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 ChaseNo annual fee and rewards never expire
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 6 months on purchases*
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11.99-22.99% (Fixed)* |
$0.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
6 months on purchases* |
Balance Transfers: |
12 months on balance transfers* |
| Regular APRs |
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Purchases: |
11.99-22.99% (Fixed) %* |
Balance Transfers: |
11.99-22.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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 opening5 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 moreNo annual fee*
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
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N/A*
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12.99-22.99% (Variable)* |
$0.00* |
Excellent |
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| Introductory Rate |
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Purchases: |
N/A* |
Balance Transfers: |
N/A* |
| Introductory Period |
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Purchases: |
N/A* |
Balance Transfers: |
N/A* |
| Regular APRs |
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Purchases: |
12.99-22.99% (Variable) %* |
Balance Transfers: |
12.99-22.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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Blue Sky from American ExpressSM
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No annual feeTravel 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 timeRated 'Best Airline Credit Card' by Card Ratings Consumer's Choice Awards in 2010Get approved in 60-seconds
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 12 months on purchases*
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17.24-22.24% (Fixed)* |
$0.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
N/A* |
| Introductory Period |
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Purchases: |
12 months on purchases* |
Balance Transfers: |
N/A* |
| Regular APRs |
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Purchases: |
17.24-22.24% (Fixed) %* |
Balance Transfers: |
17.24-22.24% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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 moreCiti® Identity Theft SolutionsNo annual fee*
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 18 months on purchases*
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11.99-21.99% (Variable)* |
$0.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
18 months on purchases* |
Balance Transfers: |
18 months on balance transfers* |
| Regular APRs |
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Purchases: |
11.99-21.99% (Variable) %* |
Balance Transfers: |
11.99-21.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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 rateNo annual fee
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 18 months on purchases*
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12.99-21.99% (Variable)* |
$0.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
18 months on purchases* |
Balance Transfers: |
18 months on balance transfers* |
| Regular APRs |
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Purchases: |
12.99-21.99% (Variable) %* |
Balance Transfers: |
12.99-21.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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 year1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash0% 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 datesTravel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover cardDiscover 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
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 6 months on purchases*
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10.99-16.99% (Variable)* |
$0.00* |
Excellent |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
6 months on purchases* |
Balance Transfers: |
6 months on balance transfers* |
| Regular APRs |
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Purchases: |
10.99-16.99% (Variable) %* |
Balance Transfers: |
10.99-16.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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 monthsDouble Miles on every $1 you spend0% 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 datesFlexible redemption options like travel credits, merchandise, gift cards or cashTravel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover cardDiscover 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
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 6 months on purchases*
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10.99-16.99% (Variable)* |
$60.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
6 months on purchases* |
Balance Transfers: |
6 months on balance transfers* |
| Regular APRs |
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Purchases: |
10.99-16.99% (Variable) %* |
Balance Transfers: |
10.99-16.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$60.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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% endsSlate with Blueprint® helps you pay down your balances faster and save on interestTransfer your higher rate balancesNo Annual Fee
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 15 months on purchases*
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11.99-21.99% (Fixed)* |
$0.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
15 months on purchases* |
Balance Transfers: |
15 months on balance transfers* |
| Regular APRs |
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Purchases: |
11.99-21.99% (Fixed) %* |
Balance Transfers: |
11.99-21.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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 optionsGreat 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
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 6 months on purchases*
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10.99-20.99% (Fixed)* |
$0.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
6 months on purchases* |
Balance Transfers: |
18 months on balance transfers* |
| Regular APRs |
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Purchases: |
10.99-20.99% (Fixed) %* |
Balance Transfers: |
10.99-20.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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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% variable5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchasesAPR reduction on purchases when using credit wiselyNo Annual Fee*
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 7 months on purchases*
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12.99-22.99% (Variable)* |
$0.00* |
Excellent |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
7 months on purchases* |
Balance Transfers: |
12 months on balance transfers* |
| Regular APRs |
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Purchases: |
12.99-22.99% (Variable) %* |
Balance Transfers: |
12.99-22.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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Discover® Open Road Card
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Receive a $150 Restaurant.com Gift Certificate with first purchase0% 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.comDiscover 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 secondsGreat 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
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
0.00%*
for 12 months on purchases*
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10.99-20.99% (Variable)* |
$0.00* |
Excellent |
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| Introductory Rate |
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Purchases: |
0.00%* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
12 months on purchases* |
Balance Transfers: |
12 months on balance transfers* |
| Regular APRs |
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Purchases: |
10.99-20.99% (Variable) %* |
Balance Transfers: |
10.99-20.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$0.00* |
Balance Transfers: |
See Terms* |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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Visa® Black Card
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Made with carbon, not just another piece of plastic; Membership is limited24-hour concierge service at your disposal Unlimited VIP airport lounge visitsExclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictionsAccepted globally; zero liability protection against unauthorized purchases
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| Intro APR and Period |
Regular APR |
Annual Fee |
Credit Needed |
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N/A*
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14.99% (Fixed)* |
$495.00* |
Excellent Credit* |
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| Introductory Rate |
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Purchases: |
N/A* |
Balance Transfers: |
0.00%* |
| Introductory Period |
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Purchases: |
N/A* |
Balance Transfers: |
15 months on balance transfers* |
| Regular APRs |
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Purchases: |
14.99% (Fixed) %* |
Balance Transfers: |
14.99% (Variable)* |
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Cash Advance: |
N/A* |
Penalty: |
See Terms* |
| Fees |
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Annual: |
$495.00* |
Balance Transfers: |
See Terms* |
| |
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Late: |
See Terms* |
Cash Advance: |
See Terms* |
| Important |
See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. |
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0 Interest Credit Cards |
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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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