Credit Cards - 0% Credit Cards

What could be better than 0% Credit Cards that let you get an introductory rate of 0% APR? You could enjoy the benefits of interest free credit for 3 to 12 months with new accounts. The free interest may apply to balance transfers, new purchases or both. By searching through 0% Credit Cards and comparing offers side by side, you will find the offer that is right for you.

In addition to starting with 0% APR, many cards also offer rewards programs, with a cash back percentage or merchandise points for each dollar spent. Some cards offer as much as 20% back just for shopping certain online merchants. Others offer travel rewards at airlines, hotels, car rental locations and more. In some cases, you can even earn double rewards just for spending as you normally do.

Special cards are also available to support causes important to you. You can get a biodegradable credit card, one that supports wildlife or even one bearing the American flag. You can find 0% Credit Cards from VISA, MasterCard, Discover and American Express. Find the card that matches your goals and fill out a quick online credit card application to get started on your new interest free credit card today.
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0% Credit Cards
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Search and compare 100+ credit cards to find your ideal card.
Credit Card Rates
PRODUCT Rate +/- Last week
30 yr fixed 4.36% 4.34%
15 yr fixed 3.85% 3.86%
5/1 ARM 3.38% 3.39%
View rates in your area:
PRODUCT Rate +/- Last week
30K Home Equity Loan 7.45% 7.47%
30K HELOC 5.10% 5.12%
50K HELOC 4.82% 4.84%
View rates in your area:
PRODUCT Rate +/- Last week
36 Mo Used Car 6.39% 6.48%
48 Mo Used Car 6.13% 6.28%
48 Mo New Car 6.03% 6.16%
View rates in your area:
PRODUCT Yield +/- Last week
1 Yr CD 1.24% 1.27%
5 Yr CD 2.50% 2.56%
6 Mo CD 0.81% 0.90%
Compare rates:
PRODUCT Rate
Low Interest Cards 10.40%
Balance Transfer Cards 15.94%
All Variable 14.38%
Compare rates:

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Recommended Just for you

0% Intro APR and No Annual Fee
5% cash back offers in popular categories like gas, home improvement and department stores
Full 1% Cash Back on everything else with no spending tiers
Your cash back rewards never expire
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% (12 Months) as low as 12.99% Variable* None Yes Good Credit
Why we recommend it
The Chase Freedom(SM) MasterCard Credit Card is a rewards card. However, it can also be a cash back credit card. This Chase card offers you the choice of what type of rewards you want. You can select between cash or merchandise rewards. Rewards are earned based on where you shop and how much you spend. You can earn between one percent and three percent cash back on all of your purchases, or you can earn one to three points for each dollar spent to redeem for merchandise.
Additional 0% Credit Cards

0% Intro APR and No Annual Fee
5% cash back offers in popular categories like gas, home improvement and department stores
Full 1% Cash Back on everything else with no spending tiers
Your cash back rewards never expire
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% (12 Months) as low as 12.99% Variable* None Yes Good Credit

Earn more cash in more ways than anyone elseSM
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 12 months on Balance Transfers*
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months on Purchases and 12 months on Balance Transfers) 11.99% - 19.99%* None Yes Good Credit

Double Cashback Bonus® automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus® at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus® on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus® into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months for Purchases & Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

Help protect the planet with the new biodegradable Discover Card
Card plastic breaks down 99% within five years in landfill conditions
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 Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months on Purchases and Balance Transfers*) 11.99% - 19.99%* None Yes Excellent Credit

Earn more cash in more ways than anyone elseSM
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 Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months on Purchases and Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

Earn up to 5% cash back on everyday purchases - even gas!
No Annual Fee
0% Intro APR for up to 12 months on purchases
Express Approval. Get a decision in less than 60 seconds. Apply Now
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0.00%* (up to 6 months for purchases*) As Low As 17.24%* None Yes Excellent Credit

Check your Report See who's been checking your credit. Look for potential inaccuracies and unauthorized activity.
Guard your Identity We'll closely monitor** your Experian® Equifax® and TransUnion® Credit Reports every day.
Know your Score Higher scores usually mean lower interest rates on new loans, which could save you money.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A N/A None Yes No Credit

0% intro APR for up to 12 months.
No Annual Fee.
New innovative card design.
Blueprint – free and customizable account features that help you avoid unnecessary interest and pay your balances down faster, providing unprecedented control over managing your card
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% (up to 12 Months) as low as 11.24%* Variable* None Yes Excellent Credit

3% cash back on fuel, home improvement, dining and office supply purchases
Unlimited 1% cash back on all other purchases
No limit to the number of points you can earn
Up to 10 points for $1 spent when you shop online through Chase Rewards Plus
Free additional cards for employees
No Annual Fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% (6 Months*) 11.24% Variable* None Yes Excellent Credit

Cash back plus a million other redemption options
No dollar goes unrewarded
No caps and points never expire
Unlimited rewards for you or your business
When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points*
No annual fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% (6 Months*) 11.24%* None Yes Excellent Credit

Earn 15,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership
Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
No annual fee for your first year, a savings of $175 Apply Now!
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
n/a* (n/a*) n/a* First Year Free, then $175 annual fee No Excellent Credit

0% Intro APR for up to 12 months on purchases
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds. Apply Now!
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0.00%* (up to 6 months on Purchases*) As Low As 17.24%* None Yes Excellent Credit

12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months
Double Miles on up to $3,000 in travel and restaurant purchases each year
Book any travel, anytime with no blackout dates or restrictions
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire
No Annual Fee
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months on Purchases & 6 months on Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
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
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases* (6 months*) 14.99%* None Yes Good Credit

Cash Rewards for your good credit management!*
Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
3
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
3.9%* (6 months on Purchases & 12 months on Balance Transfers*) 10.99% - 18.99%* None Yes Good Credit

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards
Travel accident coverage up to $1,000,000
Online access to credit card account information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A 9.25%, 12.25%, or 15.25% None Yes Excellent Credit

Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases* (6 months*) 14.99%* None Yes Good Credit

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
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
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases* (6 months*) 14.99%* None Yes Good Credit

Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases* (6 months*) 14.99%* None Yes Good Credit

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
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
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases* (6 months*) 14.99%* None Yes Good Credit

25,000 Bonus Miles – 1,000 Miles each month you make a purchase the first 25 months
Unlimited Double Miles on all purchases
Book any travel, anytime with no blackout dates or restrictions
2 additional Miles for every $1 you spend through ShopDiscover, our exclusive online shopping site
Enhanced travel benefits
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
$60 Annual Fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months*) 10.99% - 18.99%* $60 Yes Excellent Credit

Earn more cash in more ways than anyone elseSM
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 Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

Earn more cash in more ways than anyone elseSM*
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 6 months on Balance Transfers*
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

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 Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

Earn more cash in more ways than anyone elseSM
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 Regular APR Annual Fee Bal. Transfer Credit Needed
0%* (6 months on Purchases and Balance Transfers*) 11.99% - 19.99%* None Yes Good Credit

Limited Membership
24-Hour Concierge Service
Exclusive Rewards Program
Luxury Gifts
Patent Pending Carbon Graphite
Annual Fee $495
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% (6 months) 13.24% $495 Yes Good Credit

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