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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

Low and No Fee Balance Transfers

Low and No Fee Balance Transfers

image Chase Slate® image
Editor’s Pick: Offers a 0% APR for 15 months on purchases and balance transfers with no transfer fees and a regular APR of 12.99%, 17.99%, 22.99% (V)*.
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image BankAmericard® Visa® Card image
Editor’s Note: 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.*
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image Citi Simplicity® Card image
Editor’s Note: Offers the longest 0% intro rate on balance transfers and purchases – a 0% APR for 18 months*.
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Additional 0% APR Credit Card Offers


  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0%* for 18 months*
0%* for 18 months*
11.99%-21.99% (Variable)*
$0*
Excellent Credit

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 6 months*
0% for 18 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0%* for 12 months*
0%* for 12 months*
12.99%-22.99% (Variable)*
$0*
Excellent Credit

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time 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, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0%* for 12 billing cycles*
0%* for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable on purchases & balance transfers*
$0
Excellent Credit

  • 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.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0%* for 18 months*
0%* for 18 months*
12.99% - 21.99% (Variable)*
$0*
Excellent Credit

  • Earn 10,000 bonus points after $500 in purchases, redeemable for $100 cash back statement credit
  • No annual fee
  • All 32 teams or the NFL Shield card plastic are available
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • No limit to the points you can earn
  • Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
N/A*
N/A*
14.99% or 22.99% Variable*
$0
Good to Excellent

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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.