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Credit Cards - 0% Credit Cards

For 6-12 months, 0% APR credit card offers are a great way to finance purchases without the high interest rates of traditional loans. When using a no interest credit card, it's very important to read the fine print and pay on time.

Credit card companies with 0% APR credit cards often rely on users to pay late to make higher profits. Users automatically lose their 0% APR in this situation. The other way credit card companies make money on these rates is by charging you different rates for different transactions. Once you understand these finer points of 0% APR credit cards, you can use them with great benefit. Below are some of our favorite 0% APR credit cards.

Recommmended just for you

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recommended

Citi® Platinum Select® Card

Citi® Platinum Select® Card Credit Card Apply Now Comments (38) Send to a friend
  • 0% APR* on balance transfers and purchases for 9 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Why we recommend it...
The Citi Platinum Select Card is a great card. In addition to the 0% APR on balance transfers and purchase for up to 9 months (depending your application and credit), the card has an on-going variable APR as low as P+8.74%(v) again depending on your credit. In short, this is a great 0% card with great benefits if you have the credit necessary.

Pros:
  • No Annual Fee
  • Up to 9 Months at 0% APR
Cons:
  • Credit Requirements
Credit Score Approval Data †
739

Average Credit Score Approved for this Card

654

Lowest Credit Score Approved for this Card

Additional 0% credit cards

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recommended

Chase FreedomSM Credit Card

Chase Freedom<sup>SM</sup> Credit Card Credit Card Apply Now Comments (85) Send to a friend
  • $50 Cash Back after your first purchase!
  • 3% bonus cash back offers in categories like gas, home improvement and department stores
  • Full 1% Cash Back on every purchase - no spending tiers or caps on how much you can earn
  • Up to an additional 20% cash back at select merchants when you shop online through Chase

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Citi Forward(SM) Card

Citi Forward(SM) Card Credit Card Apply Now Comments (12) Send to a friend
  • The credit card that rewards you for good behavior.
  • Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
  • 6,000 bonus points after $250 in purchases are made within 3 months of account opening.
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
  • 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
  • 0% APR for 6 months on purchases and balance transfers.

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Citi® mtvU™ Platinum Select® Visa® Card for College Students

Citi® mtvU™ Platinum Select® Visa® Card for College Students Credit Card Apply Now Comments (41) Send to a friend
  • 0% APR* on purchases for 6 months if you qualify based on your application and credit history.*
  • Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores.
  • Earn 1 ThankYou Point for every dollar you spend on all other purchases.
  • Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit.
  • Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA.
  • Redeem points for gift cards, travel, electronics, music and more.
  • No Annual Fee

See All 0% Credit Cards     or     search all credit cards

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Provider's website.

† Credit Karma members have received approvals with these credit scores. We hope this information helps you in your selection. Please note because factors including income, length of credit history, and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.

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