0% APR Credit Cards

0% APR Credit Card Applications - Start Saving Apply Today! You can start enjoying the benefits of a 0% APR Credit Card, and pay no interest for up to 12 months. Apply for your 0% APR credit card online by clicking on the "Apply" button - it's fast, easy and completely secure.

Citi Platinum Select Card

0% APR* on balance transfers and purchases for up to 12 months
No annual fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	up to 12 Months	As Low As 11.99%	Yes	None	Good

Discover More(SM) Card

Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Discover Open Road(SM) Card

Double Cashback Bonus on grocery store purchases in November and December*
0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers
Save at the pump and everywhere else.*
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Discover More(SM) Card - American Flag

Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Discover More(SM) Card - Clear

Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Miles by Discover Card

A Miles card with no annual fee!
No blackout dates
Double Miles on food and travel, up to $3,000 each year
1 Mile for every $1 you spend
Unlimited Miles while your account is active
0% Intro APR*

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	6 Months	10.99%	Yes	None	Good

Discover More(SM) Card - Monogram

Earn more cash in more ways than anyone else^SM*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	10.99%	Yes	None	Excellent

Citi Forward(SM) Card

The credit card that rewards you for good behavior.
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
6,000 bonus points after $50 in purchases are made within 3 months of account opening.
5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
0% APR for 6 months on purchases and balance transfers.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	6 Months	14.24%	Yes	None	Good

American Express® Preferred Rewards Gold Card

No annual fee for the first year - $125 Thereafter
Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!
No Pre-Set Spending Limit
The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Global Assist® Plus Hotline and many more benefits included.
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	N/A	Yes	$125	Good

Three Reasons a 0% APR Credit Card may be Right for You

Thinking about getting a new credit card? As you look for one, you’ll find that many cards come with a 0% APR introductory offer. This means that you won’t be charged any interest for a certain period of time. The 0% APR can apply to purchases, balance transfers, or both. Here are three reasons this card may be the one for you:

1. Help with holiday shopping. Need to get through December and don’t have much cash? A 0% APR credit card will let you buy your gifts now, and then use the next few months to pay off the balance.

2. An interest-free loan. With credit tightening throughout the economy, your finances may be feeling pinched. Yet if you need a loan, it might be harder to get one, as lenders are handing out less credit now than before. With a 0% APR card, you can give yourself a loan. Use the card, and then set up a payment plan to pay off the balance before the regular interest rate sets in.

3. A way to track your spending. If you have a small business or simply want to see where all of your money is going, you can keep track with the card. Every month, you can check the statement to find out how much you spent. With 0% APR, you won’t be charged any interest for an initial period. This can help you clearly see the amounts of your purchases, as well as how much you have paid toward the balance.

Just as you would with other cards, you’ll want to use a 0% APR credit card wisely. If you use the card right away and then pay off the balance in a few months, you’ll be able to save a lot of money in interest charges. And that may be just the boost you need to get through the holiday season this year.

Compare 0% APR Credit Card Offers

Important Notices and Disclosures:
Terms and conditions including 0% APR eligibility vary for each credit card issuer. You can review complete offer terms and conditions by clicking on "Apply Now!" link placed next to each offer.