0% Interest Credit Cards For 24 Months

If you are looking to make new purchases and pay no interest for at least a few months, then the 0% APR credit cards on this page are for you. Get a special introductory 0% interest rate anywhere from 6 to 24 months:

  • 0% intro APR until June 2013 on purchases and balance transfers
  • $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 cardóchoose the one shown here, any of the hundreds in our collection, or add your own
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% until 06/2013* 0% until 06/2013* 10.9% - 18.9% (V)* $0* Good to Excellent
  • 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
  • Secure, free online account management
  • No annual fee*
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 18 months* 0% for 18 months* 11.99% - 21.99% (V)* $0* Excellent
  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% until 03/2013* 0% until 03/2013* 12.9% - 20.9% (V)* $0* Good to Excellent
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 18 months* 0% for 18 months* 11.99% - 21.99% (V)* $0* Excellent
  • 1.25 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • No foreign transaction fees
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% until 03/2013* N/A 11.9% - 19.9% (V)* $0* Good to Excellent
  • 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.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • Secure, free online account management
  • No annual fee
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 18 months* 0% for 18 months* 12.99% - 21.99% (V)* $0* Excellent
  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 12 months* N/A 17.24% - 22.24% (V)* $0* Excellent
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • 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
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 6 months* 0% for 18 months* 10.99% - 20.99% (V)* $0* Excellent
  • $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.
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 12 months* 0% for 12 months* 12.99% - 22.99% (V)* $0* Excellent

Note: If you are looking to transfer balances at a 0% interest rate rather than make new purchases, then check out the Balance Transfer category for the best deals.

* Read Terms & Conditions on any credit card offer before you apply.


Keeping Your 0% Interest Credit Cards In Good Standing

If you plan on applying for a credit card with a 0% APR, then you'll need to be extra careful about making your minimum payments on time each month. Many credit cards with a 0% introductory offer will stipulate in their terms and conditions that your introductory interest rate will end prematurely if you fail to make payments on time. To avoid unexpected interest charges, you should do the following:

The months can pass by quickly, so make yourself aware of when the 0% interest period is over. If your plan is to pay the card off before any interest is charged, then do whatever you can to setup a reminder of when the zero APR ends.

Everyone makes mistakes, and it's so easy to overlook a due date or forget to set up automatic payments. However, when you are charging thousands of dollars onto your new 0% APR credit cards, you'll want to be very diligent about paying your bill on time. Missing a payment and being hit with interest on a very large balance can be a costly mistake, but one that can be easily avoided.

As soon as you get your new zero percent interest card, make a note of your billing cycle and due date. Then keep a very close eye on all your credit card bills and make sure those payments are going through on time. Not only will you keep your credit score high, but you'll also get to enjoy the full duration of your introductory offer, with no interest due.

Updated - Tueday, August 28th, 2015
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