A Big List of 0% APR Credit Card Offers

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In part due to the new credit card law that goes into effect next year, 0% APR intro credit cards have become harder and harder to find. Whether you are looking for 0% APR on balance transfers or trying to find a no interest card for purchases, there are a lot fewer 0% into credit card choices today than there were 12 months ago.

So I’ve put together an exhaustive list of 0% APR intro credit card offers. For each card you’ll find information on the zero percent interest deal. You’ll also find the annual fee, if any. And if you know of 0% credit cards (intro APR) we should add to the list, please let us know. Will start with two of the most popular no interest credit cards, the Discover® More® Card and the Slate(SM) from Chase:

Discover IT™

Editor's Pick

The new Discover it card is out to change the way people think about credit cards. Fair...no annual fee. No overlimit fee. No foreign transactions fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cash Back ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card Flexible...Choose your own due date and pay up to midnight ET online or by phone Human...talk to a real person any time with 100% U.S.-based service Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee 0% Intro APR* on purchases and balance transfer for 14 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *Click apply for Terms & Conditions

Citi Simplicity® Card
	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. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees - EVER No penalty rate - EVER No annual fee - EVER Save time when you call with fast, personal help, 24 hours a day.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 12.99% - 21.99%* (Variable) $0* 0%* Excellent Credit

Capital One® Platinum Prestige Credit Card
	0% intro APR until August 2014 on balance transfers 0% intro APR until August 2014 on purchases No annual fee $0 Fraud Liability if your card is lost or stolen 24-hour travel assistance gives you a replacement card and cash advance 24-hour roadside assistance Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until August 2014 10.90%-18.90% (Variable) $0 0% Excellent Credit

Citi® Dividend Platinum Select® Visa® Card
	$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment Enroll at no additional cost each quarter for new categories that earn additional cash back Full 1% cash back on all other purchases and eligible cash advances No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 12.99%-22.99%* (Variable) $0* 0%* Excellent Credit

0% Credit Cards–Tips

As you evaluate the 0% credit cards to find the best one for your financial needs, consider the following:

Risk Based Pricing: Almost all credit cards today use risk based pricing. What this means is that the actual terms of the card will vary depending on the applicant’s credit history. Varying interest rates and balance transfer terms, among other things, can be offered based on a individual’s credit. As an example, here is the disclosure from HSBC:

It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR or 1% unlimited cash back, and with different terms and conditions which will be disclosed to you before your application is processed.

Consider 2 or more cards: Depending on your financial needs, it may be best to have two or more 0% credit cards. For example, if you want to take advantage of both a 0% balance transfer and get 0% on purchases, it’s best to use two separate cards. There are several reasons for this. For example, if the 0% on purchases expires before the 0% on balance transfers, any extra payment you make will go to the higher interest on purchases first. This changes under the new credit card law, but not until 2010.

Second, you may want to use the entire available credit limit on a balance transfer, which would not leave any available credit to take advantage of the 0% on purchases.

Balance transfer fees: Note that all of the 0% credit cards charge a balance transfer fee. And some of the transfer fees are now as high as 4% or even 5%. If you’d like to know which card we think is the best for transfers, check out the Best Balance Transfer Offer Available.

Terms change: Finally, keep in mind that credit card terms change frequently. While we strive to keep this page updated and accurate, you should always confirm the terms of any offer before applying.

* See the online 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 the issuer’s website.

Discover is a paid advertiser of this site.

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Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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