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0% (Zero Percent) 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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Search and compare 100+ credit cards to find your ideal card.
Credit Card Rates
PRODUCT +/- Rate Last week
30 yr fixed mtg Graph Icon Arrow 3.60% 3.52%
15 yr fixed mtg Graph Icon Arrow 2.74% 2.71%
5/1 ARM Graph Icon Arrow 2.54% 2.57%
View rates in your area:
PRODUCT +/- Rate Last week
$30K HELOC Graph Icon Arrow 4.99% 5.00%
$30K home equity loan Graph Icon Arrow 6.19% 6.21%
$50K HELOC Graph Icon Arrow 4.56% 4.58%
View rates in your area:
PRODUCT +/- Rate Last week
48 month used car loan Graph Icon Arrow 2.93% 3.10%
48 month new car loan Graph Icon Arrow 2.45% 2.45%
36 month used car loan Graph Icon Arrow 2.88% 2.93%
View rates in your area:
PRODUCT +/- Yield Last week
6 month CD Graph Icon Arrow 0.41% 0.43%
1 yr CD Graph Icon Arrow 0.62% 0.63%
5 yr CD Graph Icon Arrow 1.22% 1.24%
Compare Rates:
PRODUCT Rate
Balance Transfer Cards 15.92%
Cash Back Cards 16.34%
Low Interest Cards 11.01%
Compare Rates:

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Recommended Just For You

Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(APR: 0% for 12 months*) 		10.99% - 19.99% (Variable)* None 0%
(12 months*) 		Excellent Credit
Why we recommend it
After the intro APR expires, your APR will be 10.99% to 20.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Additional 0% Credit Cards

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 11.99% - 20.99%*
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(15 months) 		11.99%-20.99% (Variable)* None (YES) Excellent Credit

Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(for up to 12 months on purchases*) 		As Low As
12.24% - 19.24% Variable 		None N/A Excellent Credit

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
2% automatically at gas stations and restaurants all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(15 months on purchases & balance transfers*) 		As Low As
10.99%-20.99% (Variable)* 		None 0%*
(15 Months*) 		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 None N/A No Credit

For a limited time: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
Earn points even faster to get more rewards for your business
3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
One million rewards from over 500 brands
24/7 support for everything from identity theft to travel emergencies
$0 introductory annual fee for the first year, then $175
Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year
Terms & Restrictions Apply.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(6, 9, or 12 months*) 		N/A* No annual fee for the first year, then $175 N/A Excellent Credit

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
No spend minimum, No enrollment, and No rotating rewards categories
Get a $75 Referral Bonus for each friend or family member who is approved for the Card
The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(12 months on purchases*) 		As Low As
17.24%-22.24% Variable 		$75 N/A
(N/A) 		Excellent Credit

7,500 bonus points when you spend $1,000 within 3 months - redeemable for a $100 statement credit.
No annual fee.
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime.
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program® big deals on big brands, all the time.
Get a decision in as little as 60 seconds.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(12 months on purchases*) 		As Low As
17.24%-22.24% Variable 		None 17.24%-21.24%
(N/A) 		Excellent Credit

Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel
Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
$0 introductory annual fee for the first year, then $65
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A*
(N/A*) 		As Low As
15.24% - 19.24% Variable 		$0 introductory annual fee for the first year, the N/A Excellent Credit

7,500 bonus points redeemable for a $100 statement credit

2X points on all dining, hotel, and car rental purchases, and 1 point per dollar for all other eligible purchases

$100 annual Airline Allowance to cover baggage fees and other incidental in-flight purchases

The points you earn are good for any airline, hotel, cruise, or car rental, anytime no blackout dates, no travel restrictions

Flexibility to pay over time
0% intro APR on purchases for 6 months
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on purchases
(up to 12 months) 		As Low As
17.24%-21.24% Variable 		$75 annual fee N/A Excellent Credit

Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months - up to 20,000 Bonus Miles
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% introAPR on balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(6 months*) 		As Low As
10.99%-20.99% (Variable)* 		None 0%
(6 months*) 		Excellent Credit

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
No spend minimum, No enrollment, and No rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card
No annual fee, flexibility to pay over time
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(12 months on purchases*) 		As Low As
17.24%-22.24% Variable 		None N/A Excellent Credit

American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(6 months on purchases*) 		As Low As
15.24% variable 		None N/A Excellent Credit

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
5% Cashback Bonus®* in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases*
(6 months*) 		13.99%- 20.99% (V)* None N/A Fair Credit

Get $25 Cashback Bonus®* when you make your 1st purchase within 3 months
0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
5% Cashback Bonus®* in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(for 6 months*) 		13.99% - 20.99% (Variable)* None N/A Fair Credit

Earn Cashback Bonus® for your good credit management
3.99% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 11.99% - 20.99%*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
3.99%*
(12 Months*) 		11.99% - 20.99% (Variable)* None 3.99%*
(15 Months*) 		Good Credit

25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass(TM) Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in - flight refreshments, and change fees.*
Receive a companion ticket for discounted travel when you purchase a qualifying First - or Business - Class international ticket. Additional charges/taxes apply.
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
Fine Hotel & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
Use Membership Rewards Pay with Points for part or all of your travel and get 20% of those points back every time.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A*
(N/A*) 		N/A* $450 N/A Excellent Credit

Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 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.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your 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 then $1.00).
Online access to credit card account information
Low Annual Fee of $35.00. Apply Now!
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(12 months) 		As Low As
7.50% 		$45 1.99%
(12 months) 		Excellent Credit

0% Intro APR on purchases for 9 months, then the variable purchase APR of 13.99%-20.99%.
Double Cashback Bonus®* at any gas station and any restaurant.
Up to 1% unlimited Cashback Bonus on everything else you buy.
$0 Fraud Liability
No Annual Fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(9 months*) 		13.99%- 20.99% (V)* None N/A Fair Credit

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
5% Cashback Bonus®* in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(9 months*) 		13.99% - 20.99% (Variable)* None N/A Fair Credit

Experience Discover's great reward program. Earn $20 Cashback Bonus®* when you make your 1st purchase within 3 months of approval
0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%*
% Cashback Bonus®* in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email alerts
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0% on Purchases*
(9 months*) 		13.99% - 20.99% (Variable)* None N/A Fair Credit

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
5% Cashback Bonus®* in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(9 months*) 		13.99% - 20.99% (Variable)* None N/A Fair Credit

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(6 months*) 		As Low As
10.99%-20.99% (Variable)* 		$60 (YES) Excellent 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 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 APR 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% in cash back credit on all qualifying purchases
No limit on cash back; no expiration date on eligibility for accounts in good standing
Travel accident coverage up to $500,000
Online access to credit card account information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
1.99%
(6 months) 		As Low As
9.25%, 12.25%, or 15.25% 		None N/A Good Credit

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