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:

Citi® Platinum Select® MasterCard®
	0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months on balance transfers and purchases* 11.99%-21.99%* (Variable) $0* 0.00* Excellent Credit*

Discover® More® Card
	0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online 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 $0 Fraud Liability plus automatic mobile and email fraud alert options 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 15 months on purchases & balance transfers* 10.99% - 20.99% (Variable)* $0* 0.00* Excellent Credit*

Chase Freedom® MasterCard - $100 Bonus Cash Back
	This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 12 months on balance transfers and 6 months on purchases 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12. You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 12 months on balance transfers* 11.99%-22.99%*(Variable) $0* 0.00* Excellent Credit*

Capital One® Platinum Prestige Credit Card
	0% intro APR until May 2013 on balance transfers 0% intro APR until May 2013 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% intro APR on purchases and balance transfers* until May 2013* 10.9% - 18.9% (V)* None* 0.00* Excellent Credit*

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
	$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* 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. 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 on balance transfers and purchases* 12.99%-22.99%* (Variable) $0* 0.00* 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.

Published or updated February 1, 2012.