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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Discover® Student Open Road Card

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
2% Cashback Bonus®* at gas stations and restaurants.
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 9 Months*	Free	12.99%- 18.99% V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Student More Card - Tropical Beach

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to the quarterly maximum*
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 9 Months*	Free	12.99%- 18.99% V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Student More Card

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to the quarterly maximum*
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 9 Months*	Free	12.99%- 18.99 V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Student More Card - Clear

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to the quarterly maximum*
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 9 Months*	Free	12.99%- 18.99 V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Miles by Discover® Card

1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 19.99%*
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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 19.99%*	Free	10.99% - 19.99% (V)*	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Student More Card - Monogram Collection

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to the quarterly maximum*
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% introductory APR on purchases for 9 Months	Free	12.99%- 18.99 V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® More Card

0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% - 20.99%*
Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It's free and easy to sign up.*
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! (2012 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus 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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% introductory APR on purchases and balance transfers for 14 months	Free	10.99% - 20.99% (V)*	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Open Road Card

0% intro APR on purchases and balance transfers for 14 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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers	Free	10.99% - 20.99% (V)*	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Motiva Card

Earn Cashback Bonus for your good credit management
0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 20.99%*
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
$0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus 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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 20.99%*	Free	10.99% - 20.99% (V)*	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Escape by Discover® Card

Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 19.99%*
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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	10.99% - 19.99% (V)*	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Citi Forward® Card

$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
APR reduction on purchases when using credit wisely
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR*	Free	12.99% - 22.99%* (Variable)	$	N/A
Balance Transfers: N/A	Issuer: Citibank		Rating: None

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Discover® Student More Card - Mix Tape

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to the quarterly maximum*
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases for 9 months	Free	12.99%- 18.99 V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Student Card Promo

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 gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.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
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 9 Months*	Free	13.99%- 20.99% V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® More Card - 18 Month Promotional Balance Transfer

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It's free and easy to sign up.*
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
$0 Fraud Liability, you're never responsible for unauthorized charges on your Discover card account, 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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases for 6 months and 0% APR on Balance Transfers for 18 months.	Free	10.99% - 20.99% (V)*	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Discover® Student More Card - $20 Cashback Bonus

Experience Discover's great rewards 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%*
5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you'll earn 5% on up to the quarterly maximum*
Every single purchase automatically gets Cashback Bonus®
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Sign up to receive text and email alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% introductory APR for 6 months on purchases	Free	12.99%- 18.99% V	$	N/A
Balance Transfers: N/A	Issuer: Discover		Rating: None

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Slate® from Chase - No Balance Transfer Fee

No Balance Transfer Fee!*
0% Intro APR for 15 months on purchases and balance transfers
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
Avoid interest on everyday purchases
Pay down your balance faster
Zero liability on unauthorized purchases*
No Annual Fee*

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR for 15 months on purchases & balance transfers	Free	11.99% - 21.99% Variable	$	N/A
Balance Transfers: N/A	Issuer: Chase		Rating: None

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Ink Cash℠ Business Card

Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
2% cash back on the first $25,000 spent annually at gas stations and restaurants
1% cash back on all other card purchases with no limit to the amount you can earn
Cash back rewards do not expire
0% Introductory APR for 12 months
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% introductory APR for 12 months	Free	10.24%	$	N/A
Balance Transfers: N/A	Issuer: Chase		Rating: None

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