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

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Blue from American Express®

0% APR on Purchases for Up to 12 Months
No Annual Fee
Low Balance Transfer APR 2.99% for 12 Months
Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
Membership Rewards Express® Program
Express Approval. Get a Decision in Less Than 60 Seconds.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for Up to 12 Months	Free	As low as 10.99%	$0	Average
Balance Transfers: YES	Issuer: American Express		Rating:

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Blue Cash® from American Express

Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
No Annual Fee
0% APR for Up to 12 Months on Purchases
Low Balance Transfer Rate - 2.99% for 12 Months
Express Approval. Get a Decision in Less Than 60 Seconds.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for Up to 12 Months	Free	As low as 11.99%	$0	Average
Balance Transfers: YES	Issuer: American Express		Rating:

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Capital One® No Hassle Miles(SM) Rewards Excellent 1.25 Miles Rewards

Earn 25% More Mileage Than Regular Mileage Cards With 1.25 Miles For Each Dollar Spent on Purchases
Save With a 0% Intro APR on Purchases Until January 2010
No Expiration on Miles and No Limit on the Miles You Can Earn
There Are No Blackout Date and No Seat Restrictions
No Annual Fee
*See Capital One® Important Disclosures for More Information.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	9.90%	$0	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Platinum Prestige

Save with 0% Intro APR Until January 2010 on Purchases and Balance Transfers
Then Enjoy a Variable APR, Now 8.9%
Save Time and Money By Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers Until January 2010	Free	8.90%	$0	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Points(SM) Rewards - Excellent Credit

Earn 2 Points Per Dollar Spent at Gas Stations, Major Grocery and Drug Stores
1 Point for Every Dollar Spent on Other Purchases
Save With a 0% Intro APR on Purchases Until January 2010
There is No Limit to the Points You Can Earn and Your Points Won't Expire
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	9.90%	$0	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Miles(SM) Ultra-For Professionals

Earn Double Miles - 2 Miles Per Dollar Spent on All Purchases
Save With a 0% Intro APR on Purchases Until January 2010
No Expiration Date on Miles and No Limit on the Miles You Can Earn
No Blackout Dates or Seat Restrictions
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	9.90%	$39	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards

Earn 2 Miles for Each Dollar of Monthly Spending Above $1,000
1 Mile Per $1 Spent on All Other Purchases
Save With 0% Intro APR on Purchases Until January 2010
Get Free Travel Easily with ANY Airline, Hotel, Cruise Line, or Rental Car
No Blackout Dates and No Seat Restrictions
No Expiration Date on Miles and No Limit on the Miles You Can Earn
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	9.90%	$0	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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IberiaBank Visa® Gold Cash Back Rewards Card

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
No Annual Membership Fee
0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
No Transaction Fee for Balance Transfers
25 Day Grace Period
Online Access to Credit Card Account Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	Free	As low as 8.00%*	$0	Good
Balance Transfers: YES	Issuer: IberiaBank		Rating:

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Pulaski Bank Visa® Card

Fixed Rate APR of 6.5%
0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed within 3 Months of Your Account Open Date
No Transaction Fee for Balance Transfers
25 Day Grace Period
Online Access to Credit Card Account Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	Free	6.50%	$35	Average
Balance Transfers: YES	Issuer: Pulaski Bank		Rating:

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Blue Sky from American Express®

0% Intro APR for Up to 12 Months on Purchases
Low Balance Transfer Rate - 2.99% for 12 Months
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.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for Up to 12 Months	Free	As low as 11.99%	$0	Average
Balance Transfers: YES	Issuer: American Express		Rating:

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Capital One® No Hassle Miles(SM) Rewards - Good Credit

Earn 25% More Than Regular Mileage Cards With 1.25 Miles for Each Dollar Spent on Purchases
There's No Limit to the Miles You Can Earn and Your Miles Won't Expire
There Are No Blackout Dates and No Seat Restrictions
Save with a 0% Intro APR on Purchases Until January 2010
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	13.90%	$0	Good
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Miles(SM) Rewards For Travel & Gas

More Miles - Earn 3 Miles Per Dollar Spent on Travel and Gas Purchases
Earn 1 Mile Per Dollar For All Other Purchases
No Annual Fee
Unrestricted Travel - Fly Any Airline, Anytime, Anywhere, With No Blackout Dates and No Seat Restrictions
No Expiration Date - Rewards Don't Expire For the Life of Your Account
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	9.90%	$0	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Platinum Prestige - Visa®

Save With a 0% Intro APR Until January 2010 on Purchases and Balance Transfers
Then Enjoy a Variable APR, Now 8.9%
Save Time and Money by Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers Until January 2010	Free	8.90%	$0	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Platinum

Buy What You've Been Dreaming of And Pay No Interest Until June 2009 on Purchases
Save with a Low Non-Intro Variable APR, Currently 8.9%
Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen
Exclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping
*See Capital One® Important Disclosures for More Information.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	8.90%	$39	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Platinum - Visa®

Buy What You've Been Dreaming of And Pay No Interest until June 2009 on Purchases
Save with a Low Non-Intro Variable APR, Currently 8.9%
Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen
Exclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping
*See Capital One® Important Disclosures for More Information.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	8.90%	$39	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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IberiaBank Visa® Platinum Rewards Card

Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
Turn Your Points Into Hotel, Gift, or Experiential Rewards
Travel Accident Coverage Up to $1,000,000
No Annual Membership Fee
0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
No Transaction Fee for Balance Transfers
25 Day Grace Period
Online Access to Credit Card Account Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	Free	As low as 8.00%*	$0	Good to Excellent
Balance Transfers: YES	Issuer: IberiaBank		Rating:

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IberiaBank Visa® Classic Card

No Annual Membership Fee
0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
No Transaction Fee for Balance Transfers
25 Day Grace Period
Online Access to Credit Card Account Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	Free	As low as 7.00%*	$0	Average
Balance Transfers: YES	Issuer: IberiaBank		Rating:

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Pulaski Bank Gold Visa® Card

Fixed Rate APR of 8%
No Annual Membership Fee
0% Introductory APR on Balance Transfers for the First 6 Billing Cycles. Applies to Balance Transfers Processed within 3 Months of Your Account Open Date
No Transaction Fee for Balance Transfers
25 Day Grace Period
Online Access to Credit Card Account Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	Free	8.00%	$0	Good
Balance Transfers: YES	Issuer: Pulaski Bank		Rating:

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Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 Bonus SkyMiles® (Including 5,000 Medallion Qualification Miles) After First Purchase and Another 2,500 for Adding an Additional Cardmember
Earn One Companion Coach Class Ticket Each Year Upon Renewal
Earn at Least 1 Mile for Every Eligible Dollar Spent
Miles Never Expire and There is No Cap on the Miles You Can Earn
Pay with Miles: Pay for All or Part of Your Flight with Miles and Put the Rest on Your Card
Express Approval. Get a Decision in Less Than 60 Seconds

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
No Introductory Rate Available	Free	13.99%	$150	Good to Excellent
Balance Transfers: YES	Issuer: American Express		Rating:

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Capital One® No Hassle Cash(SM) Rewards - Good Credit

Get 2% Cash Back on Purchases at Gas Stations and Major Grocery Stores and 1% Cash Back on All Other Purchases
There's No Limit to the Cash Back You Can Earn and Your Cash Rewards Won't Expire
Save with a 0% Intro APR on Purchases Until January 2010
You Can Ask For Your Cash Back Whenever You Want or Set Up Automatic Redemptions So You Won't Have to Ask
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases Until January 2010	Free	13.90%	$0	Good
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Cash(SM) Rewards for Students

Start Building Your Credit Today And Earn Cash, Simple And Fast
25% Annual Bonus on the Cash Earned During the Year And 1% Cash Back on All Purchases
No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
0% Intro APR on Purchases Until June 2009
$0 Fraud Liability for Unauthorized Use If Your Card Is Lost or Stolen
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	16.90%	$29	Limited
Balance Transfers: YES	Issuer: Capital One		Rating:

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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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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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
*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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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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
*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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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Miles by Discover® Card

Double Miles on Grocery Store Purchases in November and December*
Book Any Travel, Anytime with No Blackout Dates or Restrictions
Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
1 Mile for Every $1 on All Your Other Purchases
Unlimited Miles That Never Expire*
Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 70 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
No Annual Fee
*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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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Discover® Open Road(SM) Card

Double Cashback Bonus® on Grocery Store Purchases in November and December*
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 CBB 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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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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
*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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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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
*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	10.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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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 Gasoline, 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 3 Months	Free	13.99%	$0	Average
Balance Transfers: YES	Issuer: American Express		Rating:

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Capital One® Platinum - Good Credit

Save with a 0% Intro APR Until January 2010 on Purchases and Balance Transfers
Save Time and Money by Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases and Balance Transfers Until January 2010	Free	12.90%	$0	Good
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Cash(SM) Rewards

Get a 25% Annual Bonus on the Cash You Earn During the Year
1% Cash Back on Every Purchase
Buy What You've Been Dreaming of and Pay No Interest Until June 2009
There's No Limit to the Cash Back You Earn and Your Rewards Won't Expire
Redeem Cash Whenever You Want
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	16.90%	$29	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® No Hassle Points(SM) Rewards

5 Points Per Dollar Spent at Gas Stations, Major Grocery and Drug Stores
1 Point For Every Dollar Spent On Other Purchases
There Is No Limit to the Points You Can Earn and Your Points Won't Expire for the Life of Your Account
Buy What You've Been Dreaming of and Pay No Interest Until June 2009
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	16.90%	$29	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Classic Platinum - Visa®

Buy What You've Been Dreaming of And Pay No Interest Until June 2009 on Purchases
Save with a Low Non-Intro Variable APR, Currently 14.9%
Exclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping
Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	14.90%	$19	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Business Platinum with Preferred No Hassle Miles(SM)

This Card is Best for Established Business Owners with Excellent Credit Looking to Earn Triple Rewards for Purchases in Your Category of Choice and One Mile Per Dollar on All Other Purchases
Choose from the Following Categories When You Apply for This Card: Travel and Lodging, Gas and Service Stations, Building Supplies and Hardware, Computers and Electronics, Office Supplies and Furniture, Advertising, and Shipping
0% APR on Purchases Until January 2010
0% APR on Transferred Balances Until January 2010
No Annual Fee
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers until January 2010	Free	As low as 14.99%*	$0	Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Orbitz® Visa® Platinum

Earn Rewards Fast With The Orbitz Visa® Card Powered By Capital One®
There's No Limit to the Points You Can Earn and Your Points Won't Expire
Earn More Than Other Travel Cards with 3 Times the Rewards on Eligible Orbitz.com Bookings
Redeem for Travel, Cash Back, and Gift Cards
*See Capital One® Important Disclosure for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases Until June 2009	Free	22.90%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Standard Platinum

Buy What You've Been Dreaming of And Pay No Interest Until June 2009 on Purchases
Save with No Annual Fee
Exclusive Savings: up to 40% off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping
Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	19.80%	$0	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Classic Platinum

Buy What You've Been Dreaming of And Pay No Interest Until June 2009 on Purchases
Save with a Low Non-Intro Variable APR, Currently 14.9%
Exclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping
Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen
*See Capital One® Important Disclosures For More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	14.90%	$19	Average
Balance Transfers: YES	Issuer: Capital One		Rating:

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Capital One® Standard Platinum for Students

Get Credit That Fits Your Needs And A Card That Fits Your Lifestyle, And Save with No Annual Fee
0% Intro APR - Pay No Interest on Purchases Until June 2009
Express Yourself - Upload an Image of Your Own Onto Your Card Once It Arrives
A Manageable Credit Line to Help Control Your Finances
Fraud Protection - $0 Fraud Liability if Your Card Is Lost or Stolen
*See Capital One® Important Disclosures for More Information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases until June 2009	Free	19.80%	$0	Limited
Balance Transfers: YES	Issuer: Capital One		Rating:

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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:

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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:

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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:

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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:

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Discover® Open Road(SM) Card for Students

Double Cashback Bonus® on Grocery Store Purchases in November and December*
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% Interest* for 6 Months	Free	14.99%	$0	Average
Balance Transfers: N/A	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.

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.
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.
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.
In some cases not making a minimum amount of purchases in a month will trigger the end of the introductory 0% offer.
Any other factors that may eliminate the introductory offer?
Once the introductory offer is over find out what will be the ongoing interest rate.
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.
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