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0% APR Credit Cards

0% APR credit cards allow card-holders to keep a balance on their credit card without earning interest. The 0% APR is usually part of an introductory offer for new card-holders that can last from three months to one year. After this period, the standard interest rate (usually 9%-19%) is charged. In order to keep the 0% rate, card-holders have to make a minimum payment on time each month. The main advantage of this type of card is that users can keep a balance on their card without worrying about paying interest. Most 0% APR cards also offer card-holders the chance to transfer balances from other cards so that they can enjoy the same 0% introductory rate. However, there are often fees for such balance transfers. Still, this is a useful feature for people who have balances on high interest credit cards.

  • Citi® Dividend Platinum Select® Visa® Card

    Citi® Dividend Platinum Select® Visa® Card
    • $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*
    Intro APR
    0%
    Intro APR Period
    12 months
    Regular
    12.99%-22.99%* (Variable)
    Balance Transfer
    0% for the first 12 months
    Annual Fee
    $0*
    Credit Required
    Excellent Credit*
    Apply Now

  • Citi ThankYou® Card

    Citi ThankYou® Card
    • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% – 22.99% based upon your creditworthiness*
    • Earn 1 ThankYou Point for every $1 you spend on purchases.
    • Enjoy no limit on the number of points you can earn
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
    Intro APR
    0%*
    Intro APR Period
    15 months on purchases & balance transfers*
    Regular
    12.99%-22.99%* (Variable)
    Balance Transfer
    Yes*
    Annual Fee
    $0*
    Credit Required
    Excellent Credit*
    Apply Now

  • Citi Simplicity® Card

    Citi Simplicity® Card
    • 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.
    Intro APR
    0%*
    Intro APR Period
    18 months on balance transfers and purchases*
    Regular
    12.99% - 21.99%* (Variable)
    Balance Transfer
    Yes*
    Annual Fee
    $0*
    Credit Required
    Excellent Credit*
    Apply Now
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