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

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0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
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.

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130 Comments| Share| 0 members think this is a good card

Why we recommend it...
The Citi Platinum Select Card is a great card. In addition to the 0% APR on balance transfers for 18 months and purchase for 12 months (depending your application and credit), the card has an on-going variable APR of 11.99 - 19.99% 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
12 Months at 0% APR
18 Months at 0% APR on Balance Transfers

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

Capital One® Platinum Credit Card

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0% Intro APR until July 2011 on balance transfers, processed in as little as 48 hours
0% Intro APR until July 2011 on purchases
Transfer your higher-rate balances
$0 Fraud Liability if your card is lost or stolen
24-hour travel & emergency assistance gives you a replacement card and cash advance
24-hour roadside assistance
Travel accident insurance
No annual fee

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3 Comments| Share| 6 members think this is a good card

Blue Sky from American Express®

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0% on Purchases for 6 months
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.

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14 Comments| Share| 34 members think this is a good card

Capital One® Orbitz® Visa® Platinum

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3 points per dollar spent on eligible Orbitz.com bookings
Get 1 point per dollar on all other purchases
Bonus points on eligible Orbitz.com bookings
No limit on the points you can earn and points don't expire
Redeem for Travel, Merchandise, Gift Cards and more
Earn travel quickly with low redemption minimums
250 point refueling bonus when you redeem points for awards
No annual fee

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0 Comments| Share| 3 members think this is a good card

* 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. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.