0% APR Credit Cards Deals

Below is a list of 0% APR credit cards that offer teaser 0% interest rate deals for at least 14 months. Most deals range from 6 to 12 months and we do not include them simply because there will just be too many credit cards to list. The longest at the moment have introductory periods of 21 months though occasionally, you will see 24 month deals. Here is a quick snap shot of the no interest deals available. Most of these cards do not have particularly low interest rates after their introductory period. If you are looking for low ongoing interest rates on your credit card, check out our low interest rate credit card list.
 

• US Bank Visa Platinum - 0% APR For 20 Months on purchases
• Well Fargo Platinum Card - 0% APR For 18 Months on purchases and balance transfer
• Bank of America Cash Rewards - 0% APR for 15 Months on Purchases
• Blue Cash Everyday From American Express - 0% APR for 15 Months on Purchases and Balance Transfers
• American Express Cash Magnet - 0% APR for 15 Months for Purchases and Balance Transfers
• Chase Freedom Visa - 0% APR for 15 Months on purchases
• Chase Freedom Unlimited - 0% APR for 15 Months on purchases
• Discover It - 0% APR for 14 Months on purchases and balance transfer
• Discover It Chrome - 0% APR for 14 Months on purchases and balance transfer
• Discover It Miles Card - 0% APR for 14 Months on purchases and balance transfer
• Sphere Credit Card - 0% APR for 24 Months for Balance Transfers
• Citi Diamond Preferred Credit Card - 0% APR For 21 Months on Balance Transfer and 12 Months on Purchases
• Citi Double Cash - 0% APR for 18 months on Balance Transfers

US Bank Visa Platinum

Annual Fee: $0

Intro APR For Purchase: 0% APR for 20 Months on purchases only.

Reason To Keep This Card After Intro Period: The US Bank Visa Platinum has the longest introductory APR for purchase today - 0% APR for 20 months. This card has no reward program. But it does have cell phone protection insurance and also provides a free Vantage Score from TransUnion. It is a great card if you are looking put a large purchase on the card and not pay interest rate for 20 months. But after the intro period, there is little reason to keep this card.

Blue Cash Everyday From American Express

Annual Fee: $0

Intro APR For Purchase: 0% APR for 15 Months on purchases.

Reward Program: Earn 3% Cash Back at US Supermarkets for up to $6,000 in spending, 2% Cash Back at US Gas Stations and Select US Department Stores and 1% for regular purchases.

Reason To Keep This Card After Intro Period: This card is worth keeping because you can earn cash back for everyday spending categories like grocery shopping and at gas stations. If you want to earn cash back, then this card is a keeper after you take advantage of the introductory period.

Chase Freedom Visa

Annual Fee: $0

Intro APR For Purchase: 0% APR for 15 Months on purchases.

Reward Program: You earn 5X points on quarterly rotating categories. Points can be redeemed for cash, gift cards, merchandise or travel.

Reason To Keep This Card After Intro Period: The Chase Freedom is a keeper card after the introductory 0% APR period for a few reasons. Firstly, it is a good cash back credit card. If you combine the Chase Freedom, Chase Freedom Unlimited and either the Chase Sapphire Preferred or Chase Sapphire Reserve as part of the Chase Trifecta, the points you earn can be transferred to airline partners.

Chase Freedom Unlimited

Annual Fee: $0

Intro APR For Purchase: 0% APR for 15 Months on purchases.

Reward Program: You earn 1.5X on all purchase. Points can be redeemed for cash, gift cards, merchandise or travel.

Reason To Keep This Card After Intro Period: This is a good card to keep after the 0% APR introductory period if you choose to combine this card with the Chase Freedom and Chase Sapphire Preferred as part of the Chase Trifecta.

Well Fargo Platinum Card

Annual Fee: $0

Intro APR For Purchase: 0% APR for 18 Months on purchases and balance transfer.

Reason To Keep This Card After Intro Period: This card has no reward program. It does have cell phone protection insurance and you also get a Free FICO score. If you are looking for a rewards credit card, then this is not a keeper card after the introductory period.

Citi Diamond Preferred Credit Card

Annual Fee: $0

Intro APR For Purchase: 0% APR for 21 Months on balance transfers and 12 months for purchases.

Reward Program: N.A.

Reason To Keep This Card After Intro Period: This card has no reward program so I would say this is not a keeper card. You might keep it if you give you a low interest rate.

Discover It

Annual Fee: $0

Intro APR For Purchase: 0% APR for 15 Months on purchases.

Reward Program: You earn 5X points on quarterly rotating categories. Points can be redeemed for cash, gift cards, merchandise or travel.

Reason To Keep This Card After Intro Period: The Discover It is a great card to keep after you take advantage of the 0% APR introductory period if you want to earn cash back from your credit card spending. Because "cash back is cash back", you can always combine Discover with other cash back credit cards (even from other issuers) to maximize your cash back earnings.

Discover It Chrome

Annual Fee: $0

Intro APR For Purchase: 0% APR for 15 Months on purchases.

Reward Program: You can earn 2% cash back at gas stations and restaurant for up to $1,000 in quarterly spending on these categories.

Reason To Keep This Card After Intro Period: This card is not really impressive in terms of cash back because you are capped at $1,000 spending quarterly on both gas station and restaurant. There are other cards that do not put a cap of category spending. Nevertheless, since this card has no annual fee, there is no harm keeping this card and using it.

Discover It Miles Card

Annual Fee: $0

Intro APR For Purchase: 0% APR for 15 Months on purchases.

Reward Program: 1.5X Miles for every purchases. Miles can be used as statement credit towards travel expenses.

Reason To Keep This Card After Intro Period: This is a card to keep if you are not a frequent flyer and just want a simple card to offset your travel expense.

Sphere Credit Card

Annual Fee: $0

Intro APR For Purchase: 0% APR for 24 Months on balance transfers.

Reward Program: 1X Point for every purchase.

Reason To Keep This Card After Intro Period: Though card has a reward program, it only allows you to earn 1X point. Santander is also not well known for it's reward program so I would say that this card is NOT really a keeper.

Citi Double Cash

Annual Fee: $0

Intro APR For Purchase: 0% APR for 18 Months on balance transfers

Reward Program: Earn 2% Cash Back - 1% when you purchase and 1% when you pay off. Can transfer cash back you earned to ThankYou points if you own a Citi Premier Card. Your points can then be transferred to airline partners.

Reason To Keep This Card After Intro Period: This card is definitely a keeper card because it is the best flat rate cash back credit card (earn 2% cash back). For those who have the Citi Premier Card, this card allows you to earn 2X on regular purchases and these points can be transferred to airline partners.

How To Choose A 0% APR Deal For Credit Card?

You have to ask yourself the following questions when you are choosing and researching credit cards with 0% APR deals.
 

• Decide whether you are looking for a 0% APR deal or purchase, balance transfer or both - This is very important because some cards only offer deals for either but not both. Some offer 0% APR deals for both purchases and balance transfers. But they can either offer the same introductory period or different one for each.


• Choose the card with the longest introductory period - The point is obvious. Whether you are looking for a 0% deal on purchase or balance transfer or both, choose the card with the longest introductory period.


• Also Consider Cards To Keep For the Long Term - Ideally, you would want to keep the card after the introductory period ends. That means aside from looking the longest introductory 0% APR period, you should also consider things like the card's reward program or ongoing interest rate etc.

Tips On Using Your Card's 0% APR Deal

One of the most important things to be aware of is that if you are late for your monthly payment during the 0% introductory period, you may find that the credit card issuer would void the 0% deal and you will be charged the regular ongoing rate. So as far as using the card goes, here are some best practices:
 

• Make Sure You Pay On Time - As we have just mentioned earlier, you have to pay on time every month to continue to get the 0% APR.


• Set Up Autopay - Setting up autopay between your credit card issuer and bank account will ensure that you will never experience a late payment as long as your bank account has sufficient funds.


• Set Up Account Alerts - Make sure you set up alerts on your app so you can monitor any unauthorized charges and get reminders for payment due dates.


• Only Put Purchases On The Card Which You Intend To Use The 0% APR - If you intend to get a credit card with 0% deal for purchase on a big ticket item, then it is best to just make that purchase, and then not charge any more to the card. That way, you can simply pay off that purchase systematically over the introductory period.
  
  Likewise, if you are doing a balance transfer, do not put any more purchases on the card but simply focus of paying off or as much principal as you can.

FAQS

What does 0% APR mean?

What does 0% APR mean?

0% APR simply means you will not be charged any interest rate when you carry a balance. Many credit cards offer new card members a 0% interest for an introductory period to encourage new credit card signups. The 0% interest rate can be applied to new purchases, balance transfers or both.

What is the difference between 0% APR credit cards and low interest card?

What is the difference between 0% APR credit cards and low interest card?

A 0% APR credit card simply means that you get to enjoy 0% interest if you carry a balance (either through purchases or balance transfer) for a certain period (called introductory period). After the introductory period ends, you will be charged a regular interest rate. That rate may not be low. In fact, many cards that offer the longest 0% APR intro period frequently do not have the best regular APR after the intro period ends. A card with low interest rate is one that has a low APR regardless of whether they offer a 0% teaser deal or not.

Should I close a 0% APR credit card after 0% period ends?

Should I close a 0% APR credit card after 0% period ends?

It depends on whether the features of the card appeals to you. If the card you get has a good rewards program and you are happy with the issuer's customer service, then by all means keep the card. If the card you have does not have any reward program or has high interest rates, then you may not want to keep it.

What is the longest 0% APR credit card available right now?

What is the longest 0% APR credit card available right now?

At this moment, the longest 0% APR credit card is Spheres Mastercard from Santander Bank. It offers a 0% ARR for 24 months for balance transfer.

Are there any 0% APR credit cards for 21 months?

Are there any 0% APR credit cards for 21 months?

At this moment,

How do I avoid paying interest on credit cards?

How do I avoid paying interest on credit cards?

Make sure you pay on time every month during the 0% APR introductory period. If you are past the introductory period, then paying in full every month will ensure you do not pay any interest on your credit card charges.

What are the best 0% APR travel credit cards with no annual fee?

What are the best 0% APR travel credit cards with no annual fee?

At this moment, I would say that the Discover It Miles is the best because it offers a 0% APR deal for 14 months which applies to both purchases and balance transfers. It also has no annual fee and lets you earn a fixed 1.5X miles for every purchase.

What are the best ways to use 0% APR credit cards?

What are the best ways to use 0% APR credit cards?

The best way to make use of a 0% APR deal is to pay off the balance within the introductory period so that you will not be charged any interest once the intro period ends.

Also, if you card only offers a 0% deal for balance transfers, then you should not use the card until you pay off the balance because otherwise, purchases will be charged at a regular APR and your payments will first go to that purchase first and not the balance of the transfer.

Are 0% APR credit card always available?

Are 0% APR credit card always available?

For the most parts, yes. You may not always find 15 month or 18 month introductory periods. But you can find lots of 6 month and 12 month 0% APR introductory deals.

Why do banks offer 0% APR credit cards?

Why do banks offer 0% APR credit cards?

Mainly to get new customers. Most customers do not cancel their card after the introductory period expires.

Does 0% APR affect my credit?

Does 0% APR affect my credit?

It might affect your score in a couple of ways. When you apply for a credit card, there is normally a hard pull on at least one of your credit reports. They might cause a temporary dip on scores of a few points. When you get approved for the card, you have increased your overall credit line and that might increase your score. When you put a purchase on your card to take advantage of 0% APR or transfer a balance, you increase your credit utilization ratio and that might decrease your score.

What is a difference between a balance transfer and 0% APR credit card?

What is a difference between a balance transfer and 0% APR credit card?

A 0% APR credit card deal can apply to both balance transfers and purchases. Some credit cards only offer 0% APR deals for purchases and not balance transfers. So while you can have a 0% balance transfer credit card, you can also have a case where the 0% deal is just for purchases.
[labelHow do I qualify for zero apr offer?