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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.
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Top 0% APR Credit Card Offers |
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Additional 0% APR Credit Card Offers |
- 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.
- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
- No annual fee
- Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
- 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.
- $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*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
- 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.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
- 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
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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 Simplicity 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.
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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.
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 18 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.
