0% Credit Cards–A Big List of 0% APR Credit Card Offers

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. Clicking on the card name will take you to either our review of the card or the card issuer's site where you can get more details on the card. And if you know of 0% credit cards (intro APR) we should add to the list, please let us know. With that, here's the list:

Slate(SM) from Chase
	Now with Blueprint(SM) 0% intro APR for up to 12 months on Purchases and Balance Transfers Patented Fraud Protection Zero Liability on Unauthorized Purchases E-mail and text alerts No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% up to 12 Months As low as 13.24% Variable None Yes Good

Discover® More(SM) Card
	Earn more cash in more ways than anyone else(SM) Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online Double rewards with more than 100 Cashback Bonus Partners Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 Months* 11.99% - 19.99%* None Yes Good

Citi® Platinum Select® MasterCard®
	0% APR* on Balance Transfers and Purchases for up to 12 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.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% APR* for up to 12 Months up to 12 Months As low as 11.99%V $0 Yes Very Good

Biodegradable Discover® More Card
	Help Protect the Planet with the New Biodegradable Discover Card Card Plastic Breaks Down 99% Within Five Years in Landfill Conditions 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Intro APR* Varies Billing Cycles as low as 11.99% $0 No Very Good

Chase FreedomSM
	3% Bonus Cash Back Offers in Popular, Rotating Categories Like Gas, Home Improvement and Department Stores Full 1% Cash Back on Everything Else - 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 0% Intro APR and No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% APR for up to 6 Months on Purchases 6 Billing Cycles 12.99%, 17.99%, or 22.99% $0 No Excellent / Good

Citi Forward(SM) Card
	The Credit Card That Rewards You for Your 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.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% APR for 6 Months 6 Months 14.24%V $0 Yes N/A

Miles by Discover® Card
	12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year Book Any Travel, Anytime with No Blackout Dates or Restrictions 1 Mile for Every $1 on All Your Other Purchases Unlimited Miles That Never Expire* No Annual Fee Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% APR for 6 Months* 6 Months as low as 11.99% $0 Yes Very Good

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.

Tagged as: 0% balance transfer, 0% Credit Cards, 0% Purchases