0% APR Credit Cards
If you are looking to make new purchases on credit, but want to 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 21 months:
- Simplify your finances by consolidating your balances
- Enjoy $0 Fraud Liability protection
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until May 2013* | 0% until May 2013* | 10.9-18.9% Variable* |
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Enjoy a 50% bonus on the cash back you earn every year
- Earn 1% cash back on all purchases
- New account holders can earn a one-time $100 bonus
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until February 2013* |
0% until February 2013* |
12.9-20.9% Variable* |
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Earn 1.25 miles per dollar on every purchase, every day
- Fly free on any airline, any time, with no blackout dates
- For new accounts, earn 10,000 bonus miles
- No foreign transaction fees
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until February 2013* |
11.9-19.9% Variable* |
11.9-19.9% Variable* |
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 12 months* | 17.24-22.24% Variable* |
17.24-22.24% Variable* |
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 15 months* | 0% for 15 months* | 10.99-20.99% Variable* |
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 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. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 12 months* | 0% for 12 months* | 12.99-22.99% Variable* |
Note: If you are looking to transfer balances 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:
- Always pay at least the minimum balance due
- Create a system to remind yourself of your due dates
- Look into setting up automatic monthly payments
- Double check each payment to ensure it went through
- Make record of when the introductory offer ends
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.
