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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Escape by Discover® Card

25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
2 Miles per $1 on all purchases
No limit on the Miles you earn and Miles dont expire*
Fly on any airline, book any hotel or car, with no blackout dates
Use Miles for travel, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months then the regular APR
Industry Leading Customer Service
Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	n/app	10.99% (V)	$60	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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IberiaBank Visa® Select Card

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.
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

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0.00% or 7.50% for 12 Months on Purchases	Free	7.50%	$45	Average
Balance Transfers: YES	Issuer: IberiaBank		Rating: None

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Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
Get $75 Cashback Bonus when you make $500 in purchases within 3 months
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR	Free	11.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® More Card - Black

0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 9 months, then the Regular APR
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR	Free	11.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

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Miles by Discover® Card

12,000 Bonus Miles Earn 1,000 Miles each month you make a purchase for your 1st year
1 Mile per $1 on every purchase
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
No limit on the Miles you earn and Miles dont expire*
Fly on any airline, book any hotel or car, with no blackout dates
Use Miles for travel, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months then the regular APR
No Annual Fee, No Overlimit Fee, No Redemption Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	10.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR*	Free	11.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® Open Road Card

2% Cashback Bonus automatically at any gas station and any restaurant
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
0% intro APR on balance transfers for 12 full months, then the Regular APR
0% intro APR on purchases for 6 months, then the Regular APR

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers	Free	11.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

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Public Savings Bank Classic Secured VISA Card

Build Credit History - We Report to All 3 Major Credit Bureaus
0% APR on All Purchases for the First 6 Months
No Annual Fees or Monthly Maintenance Fees
No Credit Check
No Checking Account Required
Your Credit Is Not a Factor!

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	$75	11.24%	$0	Average
Balance Transfers: YES	Issuer: Public Savings Bank		Rating: None

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Discover® Mix Tape Student Card

Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases	Free	as low as 13.99%	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® Student Card

5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	as low as 13.99%	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® Student Card - Clear

5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	as low as 13.99%	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® Student Card - Monogram Collection

5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months	Free	as low as 13.99%	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® Open Road Card for Students

Double Cashback Bonus® at any gas station and any restaurant (yes, even on those infamous 1 AM burritos.)
Hello 5% to 20% Cashback Bonus at our exclusive online mall; goodbye mall-walkers.
Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.
Turn your Cashback Bonus into even bigger rewards by redeeming for gift cards or eCertificates from more than 100 brand-name retailers.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	as low as 13.99%	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® Student Card - Tropical Beach

5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	as low as 13.99%	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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Blue Sky from American Express(R)

0% Intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases for 6 months	Free	17.24%-21.24% Variable	$0	Average
Balance Transfers: N/A	Issuer: American Express		Rating: None

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Blue Cash(R) from American Express

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
Receive your cash back automatically as a statement credit.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases for 6 months	Free	17.24%-21.24% Variable	$0	Average
Balance Transfers: N/A	Issuer: American Express		Rating: None

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TrueEarnings(R) 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% on Purchases for 6 months	Free	15.24% variable	$0	Average
Balance Transfers: N/A	Issuer: American Express		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