Apply Online for a 0% APR Card
0% APR credit cards are exactly what they sound like: cards that charge no interest. This type of card is great for consumers who carry a balance from month to month and especially beneficial for those who are trying to pay down credit card debt. Transfer a balance from a high interest card to a 0% APR card, and you'll be able to work on your debt without being buried in finance charges.
You must use 0% APR cards with caution. Credit card companies are not charities, and a 0% APR means they are lending you money for free. As a result, the credit card company will try to generate revenue from your account in other ways. Keep an eye out for high fees on balance transfers as well as annual fees. Also be vigilant with payments: one late payment can take your 0% APR to 23% or more overnight.
Additionally, find out how long your 0% APR is set to last. It is usually given to you for an introductory period, such as 6 months, after which a regular APR will be charged. Be sure to pay off your balance or transfer to a new 0% APR card before this period ends.
Online 0% APR Credit Card Applications
The following online credit card applications keep your personal data safe with SSL technology, so you can apply with confidence.
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 12 Months
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Variable
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Very Good
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$0
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- FREE Online Account Access
- 0% Intro APR for Up To 12 Months* on Purchases and Balance Transfers*
- No Annual Fee
- The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History
- FREE Travel Services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
- Read our review
- Apply online now at Chase's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 12 Months
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Variable
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Very Good
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$0
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- Low Balance Transfer APR - 4.99% Fixed APR for the Life of the Balance
- Membership Rewards Express(SM) program
- No Annual Fee
- 0% APR on Purchases for Up To 15 Months
- Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences
- Express Approval. Get a Decision in Less Than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 15 Months
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Variable
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None
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$0
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- 0% APR for Up To 6 Months on Purchases and Balance Transfers
- Earn Up To 10% in Introductory Rebates
- There's No Limit to the Amount of Rebates You Can Earn!
- Earn Up To 5% in Rebates after the Introductory Period
- No Annual Fee
- Online Account Management
- Zero Liability Against Unauthorized Purchases
- Read our review
- Apply online now at Chase's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 12 Months
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Variable
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None
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$0
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- FREE Online Account Management
- 0% APR* for 6 Months on Purchases, Cash Advances and Balance Transfers
- No Annual Fee
- $0 Liability on Unauthorized Purchases
- No Minimum Income or Cosigner Required
- No Balance Transfer Fee with this Offer
- Read our review
- Apply online now at Citibank's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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Variable
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Very Good
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$0
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- No Annual Fee
- 5% to 20% Cashback Bonus at Top Online Retailers*
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards and Other Important Information
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% Intro APR*
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Fixed
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Very Good
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$0
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- 0% Intro APR for 6 Months on Purchases
- "Best Cash-Rebate Card" by Kiplinger's Personal Finance*
- Earn Unlimited Cash Back
- Up To 5% Cash Back with Unlimited Cash Rewards
- Low Balance Transfer Rate - 4.99% Fixed APR for the Life of the Balance
- No Annual Fee
- Express Approval. Get a Decision in Less than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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Variable
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None
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$0
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- Option to Enroll in the Complimentary Membership Rewards Express® Program, with Flexible Rewards for You or Your Business
- 0% introductory APR on Purchases for the First 15 Months
- No Annual Fee for Additional Cards
- No Annual Fee with the Flexibility to Pay in Full or Carry a Balance
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- Built-In ExpressPay Technology that Lets You Make Small Purchases Fast without Swiping Your Card
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 15 Months
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Variable
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None
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$0
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- Online Access to View Transactions, Pay Your Bill, View up to 7 Years of Prior Statements and More!
- Introductory 0% APR* Purchases for the First 12 Billing Cycles After Your Account is Opened
- No Annual Fee
- 3.99% APR* for the Life of the Balance Transfers Completed During Your First Three Billing Cycles After Account Opening
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 12 Billing Cycles
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Variable
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Very Good
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$0
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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Variable
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None
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$35
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The credit card information shown here is provided by CardOffers.com. Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
