0% APR Credit Cards
The primary benefit of a 0% APR credit card is the introductory 0% APR interest rate. This rate is available anywhere from 3 to 12 months from when the credit card account is opened, and depending on the card offer, it will be applied to new purchases, balance transfers or both. Compare the best 0% credit card for you and apply online.
- Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
- 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
- Earn 2X miles on all purchases
- No mileage caps and no foreign transaction fees
- Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
12 months |
N/A |
N/A |
14.99%-18.99% (Variable) |
$0 1st year, then $89 |
Excellent Credit |
- Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
- 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
- Earn 2X miles on travel and dining purchases and 1X miles on all other purchases
- No mileage caps and no foreign transaction fees
- Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
12 months |
N/A |
N/A |
14.99%-18.99% (Variable) |
$0 |
Excellent Credit |
- Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
- 0% Introductory APR for 12 months on purchases
- No annual fee
- Earn 2 points per $1 on gas, grocery, and utility purchases
- Earn 1 points per $1 everywhere else
- Use the points you earn like cash to pay for almost any purchases you've made.
- No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
- This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
12 billing cycles |
N/A |
N/A |
14.99%-24.99% (Variable) |
$0 |
Excellent Credit |
- All 32 teams and NFL Shield card available
- 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
- One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
- Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
- No cap on points earned and points never expire
- Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
- 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
12 billing cycles |
0% |
12 billing cycles |
13.74% - 22.74% (Variable) |
$0 |
Excellent Credit |
- Earn up to 15,000 Bonus Points on qualifying transactions
- Enjoy 3 Points per $1 on Virgin America purchases
- Earn 1 Point per $1 spent everywhere else
- Low Intro rate on balance transfers for the first 15 months after account opening
- $150 off a companion ticket every year
- No blackout dates on any seat, at any time for reward flights
- Please see terms and conditions for complete details
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
0% |
15 billing cycles |
15.99% or 24.99% (Variable) |
$49 |
Excellent Credit |
- 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 transaction 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 Cashback 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 transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
14 months |
0% |
14 months |
10.99% - 22.99% (V)* |
$0 |
Excellent Credit |
- 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 transaction 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 Cashback 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.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
6 months |
0% |
18 months |
10.99% - 22.99% (V)* |
$0 |
Excellent Credit |
