Apply for 0% APR Cards Online

0% APR Credit Cards

A 0% APR credit card is a credit card with an introductory interest rate of 0%. (APR stands for annual percentage rate.) A 0% APR credit card offers no interest for as long as the introductory period lasts. The introductory period may even last one year or longer. Once the initial introductory period is over then the 0% APR will end and a new higher interest rate will take effect.

 

What to look for in a 0% APR credit card?

• Are transfer fees involved?
• Does the introductory 0% APR interest rates on the credit card apply to both balance transfers and new purchases?
• What may activate a higher APR during the introductory period?

 

To find answers to these questions please go to the online 0% APR credit card application of your choice and review the "terms and conditions." Also take advantage of the many other benefits a 0% APR credit card may offer, such as airline miles, cash back rewards or low interest rates after the initial 0% APR has expired.

 

See other Low Interest Rate Credit Cards

Low Interest Credit Cards  Balance Transfer Credit Cards

 

 

	Escape by Discover® Card
	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
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR* Free as low as 11.99% $60 Average Balance Transfers: YES Issuer: Discover Rating:

	Discover® More(SM) Card
	5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free As low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Discover® More(SM) Card - Wildlife Collection
	5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Discover® More(SM) Card - Clear
	5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Miles by Discover® Card
	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
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR* Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Discover® More(SM) Card- American Flag
	5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Discover® More(SM) Card - Sealife Collection
	5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Discover® More(SM) Card - Monogram
	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 80 Cashback Bonus® Partners* 0% Intro APR* Choose Your Personalized Design
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Biodegradable Discover® More Card
	Help Protect the Planet with the New Biodegradable Discover Card Card Plastic Breaks Down 99% Within Five Years in Landfill Conditions 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free as low as 11.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	TrueEarnings® Card from Costco and American Express
	Earn cash back on gas and a $25 statement credit with your first purchase made with the Card Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco No Annual Fee with your paid Costco Membership The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card No Limit on the Cash Back earned
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free 15.24% $0 Average Balance Transfers: N/A Issuer: American Express Rating:

	Public Savings Bank Secured Black Card
	0% APR for 6 Months on Purchases No Annual Fee We Report to All 3 Credit Bureaus No Minimum Credit Score, No Income/Employment Verifications 25 Day Grace Period Use the Card Everywhere You See the Visa® Logo Lifetime Credit limit up to $10,000
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months $79 11.24% $0 Average Balance Transfers: N/A Issuer: Public Savings Bank Rating:

	Discover® Student Card
	More Ways to Earn More Cash 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 *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating:

	Discover® Student Card - Clear
	More Ways to Earn More Cash 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 *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	Discover® Student Card - Monogram Collection
	More Ways to Earn More Cash 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 *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	Discover® Student Card - Tropical Beach
	More Ways to Earn More Cash 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 *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

Choosing 0% APR Credit Cards

The following are some additional considerations to make when choosing among  0% APR credit cards. For more detailed information review the terms and conditions of the credit card application.

1. Look to see if the 0% APR is being offered only on balance transfers. In some cases it will only be offered on old balances and not on new charges. Or only on new charges and not on old debt balances. And sometimes the 0% APR credit card offer is for both balances and new spending.
2. Find out if the time of the offer is different for balance transfers and new purchases, ie 8 months for one and 12 months for the other.
3. Find out whether or not the introductory 0% APR credit card offer expires if you make a late payment. In some cases a late payment will trigger the full interest rate to take effect.
4. In some cases not making a minimum amount of purchases in a month will trigger the end of the introductory 0% offer.
5. Any other factors that may eliminate the introductory offer?
6. Once the introductory offer is over find out what will be the ongoing interest rate.
7. If you continually move your debt balance between 0% APR credit cards you will reduce your credit score or rating. It is better for credit scoring purposes to choose a 0% offer and stay with it once the introductory offer is over.
8. If you are transferring a balance from one credit card to another, check to see if there are additional fees or charges involved in the transfer.

In order to improve your credit rating it might be good to look for a credit card that offers an ongoing low interest rate or a balance transfer credit card.

 

See other Low Interest Rate Credit Cards

Low Interest Credit Cards  Balance Transfer Credit Cards

 

 

 

 

 

© 2008 creditcreator.com