Find 0% APR Credit Cards
Cards that offer a 0% APR can help you save money—especially on big ticket purchases. Compare 0% APR cards from our partners now to find one that's right for you.
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0% APR

Citi® Diamond Preferred® Card - 21 Month Balance Transfer Offer

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  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • If you transfer a balance after the 0% Intro purchase APR expires, new purchases and unpaid purchase balances will automatically accrue interest until all balances, including the transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
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Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 12 months on Purchases*
Balance Transfers Intro APR
0%* for 21 months on Balance Transfers*
Regular APR
14.24% - 24.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Citi Simplicity® Card - No Late Fees Ever

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secure site
  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
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Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 18 months on Purchases*
Balance Transfers Intro APR
0%* for 18 months on Balance Transfers*
Regular APR
15.24% - 25.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Bank of America® Travel Rewards Credit Card

Apply Now at Bank of America's
secure site
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.24% - 24.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
16.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Barclaycard Arrival Plus® World Elite Mastercard®

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secure site
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.
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Apply Now at Barclaycard's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months (on balance transfers made within 45 days of account opening)
Regular APR
17.24%, 21.24% or 24.24% Variable
Annual Fee
$89 - Waived first year
Credit Needed
Excellent

Citi® Double Cash Card — 18 month BT offer

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secure site
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
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Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months*
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Citi ThankYou® Preferred Card

Apply Now at Citi's
secure site
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.74% - 24.74% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
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Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 15 months on Purchases
Balance Transfers Intro APR
0%* for 15 months on Balance Transfers
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent Credit

Bank of America® Cash Rewards Credit Card

Apply Now at Bank of America's
secure site
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.24% - 24.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

The Amex EveryDay® Credit Card from American Express

Apply Now at American Express's
secure site
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 24.24%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
secure site
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.24%-24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Mastercard® Titanium Card™

Apply Now at Luxury Card's
secure site
  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
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Apply Now at Luxury Card's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days
Regular APR
16.24% Variable
Annual Fee
$195
Credit Needed
Excellent Credit

Blue Cash Everyday® Card from American Express

Apply Now at American Express's
secure site
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
secure site
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees