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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
Citi® Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Why we recommend it...
If you’re looking for a simple but powerful credit card, Citi Platinum Select MasterCard is an excellent-credit worthy card available in the good credit score range! It’s a no-frills card with an excellent intro APR offer, and a low interest rate especially for good credit consumers.
Citi Platinum Select offers 0% intro APR on balance transfers and purchases for 18 months, which resets to an interest rate as low as 11.99% interest after the intro period. This generous offers makes this card ideal for carrying large balance transfers and monthly balances, while saving hundreds if not thousands of dollars on interest. This card is key to saving money in the long term on your credit card purchases. The card also has no annual fee, and offers Citi-exclusive benefits like Extra Cash, Citi Identity Theft Solutions, $0 Liability, and more.
With good credit, Citi Platinum Select is excellent for saving money, while scoring extra benefits, every time you swipe.
Pros:
- No Annual Fee
- 18 Months at 0% APR on Balance Transfers and Purchases
Cons:
- Credit Requirements
Credit Score Approval Data †
702
Average Credit Score Approved for this Card
649
Lowest Credit Score Approved for this Card
Discover® Open Road Card
- 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 gas stations and restaurants 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
Why we recommend it...
Discover Open Road Card is a good choice for those who would like to earn rewards easily while spending time and money on the road.
Cardholders earn double cash back bonus at any gas station or restaurant, as well as up to 1% unlimited cash back bonus on all other purchases. There’s even more rewards available through Discover’s exclusive online shopping mall.
With no annual fee and a generous offer of 0% intro APR on balance transfers and purchases for 15 months, this is a great card to take with you on your road trip adventures.
Pros:
- No Annual Fee
- 0% intro APR for 15 months
Cons:
- Need good credit
Credit Score Approval Data †
760
Average Credit Score Approved for this Card
753
Lowest Credit Score Approved for this Card
Additional 0% credit cards
Capital One® VentureOne(SM) Rewards Credit Card
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013
- No foreign transaction fees
- No annual fee
Sony Card from Capital One®
- 5 points per $1 on Sony purchases at authorized retailers
- 3 points per $1 on dining out and movie purchases
- 1 point per $1 spent on all other purchases
- Redeem for Sony products, movies, music, and more
- Choose from 2 unique card designs
- 0% intro APR on purchases until December 2012
- No annual fee
SimplyCash® Business Card from American Express OPEN
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
- No annual membership fee
* 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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma members have received approvals with these Credit Karma credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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