0% APR Credit Card  Offers

For most consumers, especially those intending to use their new credit card for purchases, a 0% APR credit card for balance transfers and purchases can provide the best value.  Unfortunately, the number of credit cards offering a 0% APR on both purchases and balance transfers has become somewhat limited in recent years. However, a few credit cards still offer these deals.

Recently, companies that offer 0% APR credit cards have been increasing the length of introductory rates for both purchases and balance transfers. At the start of 2011, the longest 0% APR credit card deals on purchases only lasted 1 year. In 2012, a number of cards are offering 0% rates for purchases and balance transfers that last 12 months while a few companies are offering 0% interest rates lasting 15 and even 18 months.

Below you can compare 0% APR credit cards and apply online once you’ve found the right card.

Top 0% APR Credit Card Offers

Discover® More® Card No Balance Transfer Fee Editor’s Note: Limited Time: No Balance Transfer Fee!* 0% Intro APR for 12 months on purchases & balance transfers.	Citi® Platinum Select® MasterCard® Editor’s Note: Offers a 0% intro APR on balance transfers and purchases for 18 months.	Chase Freedom® Visa $100 Bonus Cash Back Editor’s Note: Offers a 0% Intro APR for 12 months on balance transfers and 6 months on purchases. Earn $100 Cash back*

	Additional 0% APR Credit Card Offers

About 0% APR Credit Cards

Before the credit crunch, the standard 0% APR credit card offered a 0% APR on purchases and balance transfers for 12 months. Some credit cards offered a 0% APR on purchases for 15 months; others offered 0% APR balance transfers for 15 months. But in general, a 0% APR for 12 months was the standard deal.

When the CARD Act was passed in 2009, credit card companies began slashing the length of all 0% APR credit card offers, often to as little as 6 months. However, in late 2010, credit card companies began increasing the length of 0% APR offers, with some companies increasing the length of balance transfer credit card offers to as much as 24 months. Throughout most of 2011 and into 2012, 0% interest lengths have held steady. Average lengths continue to hoover around 12 months, but outliers like the Citi Platinum Select card offer industry leading 18 month 0% APR promotions.

Because of the difference in the length of rates offered, the key thing to consider when you choose a 0% APR credit card is whether you will be spending a lot on the new card or primarily using it for zero percent balance transfers. If you will make occasional purchases, then seek out the card with the longest balance transfer. However, if you will be doing a small balance transfer but making many purchases, select a card with a longer 0% rate on purchases.

More Info On 0% APR Credit Cards

The Benefits of 0% APR Balance Transfer Credit Cards: Do you know how much money you waste on interest every year? For the average consumer, this figure is somewhere around $140 for every $1000 of credit card debt. This means that someone with $3,000 in debt spends over $400 a year on interest. Read Full Article

The Best 0% Balance Transfer Credit Card Offers: The past year has been a good one for consumers seeking low rates. Presently, the best 0% APR credit cards offer 0% interest rates ranging from 12 to 21 months on purchases and balance transfers. While only a few companies offer these generous deals, consumers who can benefit from them stand to save a substantial amount of money on interest.

Balance Transfers 101: This article for balance transfer newbies covers the basics of balance transfers and includes tips to help you find the best available deals.

*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an “Apply” button, you can review the credit card terms and conditions on the issuing company’s web site.