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

credit card image

SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
No annual membership fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for Up to 12 Months	Free	12.24% – 19.24% Variable	$0	Good to Excellent
Balance Transfers: N/A	Issuer: American Express		Rating:

* See website for complete terms and conditions of card usage and application disclosure.

credit card image

Discover® Motiva Card

Earn Cashback Bonus for your good credit management
0% Intro APR on purchases and balance transfers for 15 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 - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index Report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$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 rate, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Introductory APR*	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover’s website.

credit card image

Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
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% - 16.99%*
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--15 years in a row! (2011 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*	n/app	10.99% - 16.99% (V)*	$60	Average
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

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).
Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
Online access to credit card account information
Low Annual Fee of $35.00.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0.00% or 7.50% for 12 Months on Purchases	Free	7.50%, 9.50% or 11.50%	$35	Average
Balance Transfers: YES	Issuer: IberiaBank		Rating:

* 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. This APR will vary with the market based on the Prime Rate.

credit card image

Miles by Discover® Card

Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
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 standard purchase APR of 10.99% - 16.99%*
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--15 years in a row! (2011 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% APR for 6 Months*	Free	10.99% - 16.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Discover® More Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 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 Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$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*	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Discover® Open Road Card - $150 Restaurant.com Gift Certificate

Receive a $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 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--15 years in a row! (2011 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)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Discover® Mix Tape Student Card

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 on Purchases for 9 months	Free	13.99%- 20.99% V	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

* *See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover’s website.

credit card image

Discover® Student Card

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

credit card image

Discover® Student Card - Clear

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	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Discover® Student Card - Monogram Collection

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	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Platinum Plus® 0% for 10 Months

0% Introductory Annual Interest Rate* for 10 Months on Cheque Cash Advances and Balance Transfers*
No Annual Fee
17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-Clock Fraud Protection
Online Access to Your Credit Card Account
Unparalleled 24-Hour Customer Service

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
Please refer to online application legal disclosures.	Free	17.99%*	$0	Good to Excellent
Balance Transfers: YES	Issuer: MBNA Canada		Rating:

* *Please refer to online application legal disclosures.

credit card image

Discover® Open Road Card for Students

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
Double Cashback Bonus®* at gas stations and restaurants.
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	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Discover® Student Card - Tropical Beach

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	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating:

credit card image

Blue Sky from American Express(R)

No annual fee
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program: big deals on big brands, all the time
Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
Get approved in 60-seconds

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases for 12 months	Free	17.24%-22.24% Variable	$0	Average
Balance Transfers: N/A	Issuer: American Express		Rating: None

credit card image

Blue Cash Everyday(SM) Card from American Express

Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card
No annual fee, flexibility to pay over time

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% on Purchases for 12 months	Free	17.24%-22.24% Variable	$0	Average
Balance Transfers: YES	Issuer: American Express		Rating: None

credit card image

TrueEarnings(R) Card from Costco and American Express

American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express

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

credit card image

Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
12 months on balance transfers, 6 months on purchases	Free	As low as 11.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
12 months on balance transfers, 6 months on purchases	Free	As low as 11.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Slate® from Chase MasterCard

0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends
Slate with Blueprint® helps you pay down your balances faster and save on interest
Transfer your higher rate balances
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for up to 15 Months*	Free	11.99% - 21.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

* See website for complete terms and conditions of card usage and application disclosure.

credit card image

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
12 months on balance transfers, 6 months on purchases	Free	As low as 11.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Ink℠ Classic Business - Up to 25,000 Bonus Points

25,000 bonus points after you spend $5,000 in the first 3 months!*
5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
2X points per dollar on the first $25,000 spent annually on fuel and dining*
1 point per dollar on all other card purchases with no limit on the amount you can earn*
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% for 6 Months	Free	13.24%	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration

Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
0% Intro APR for up to 15 months - a variable APR as low as 11.99% -21.99% after your 0% ends
Slate with Blueprint® helps you pay down your balances faster and save on interest
Transfer your higher rate balances
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR for either the first 6 or first 15 billing cycles on either purchases and balance transfers or balance transfers only.	Free	11.99% - 21.99% variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Slate® from Chase - Limited Time: No Balance Transfer Fee

LIMITED TIME: No Balance Transfer Fee!*
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends
Slate with Blueprint helps you pay down your balances faster and save on interest
Zero liability on unauthorized purchases*
No Annual Fee*

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR for either the first 6 or first 12 billing cycles on either purchases and balance transfers or balance transfers only.	Free	11.99% - 21.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Ink Cash℠ Business Card

$250 cash back bonus after you spend $5,000 within 3 months!
5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
2% cash back on the first $25,000 spent annually on gas and dining
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 6 months*
No Annual Fee*

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Introductory APR for 6 Months	Free	13.24%	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

credit card image

Discover® More Card - $0 Balance Transfer Fee!

Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
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 Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 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% intro APR on purchases and balance transfers for 12 months	Free	10.99% - 19.99% (V)*	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

credit card image

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%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability 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% Intro APR	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on Discover's website.

credit card image

Discover® Student Card - $25 Cashback Bonus

Get $25 Cashback Bonus®* when you make your 1st purchase within 3 months
0% intro APR on purchases for 6 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% introductory APR for 6 months on purchases	Free	13.99%- 20.99% V	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

credit card image

CAA Quebec MasterCard® Credit Card

Low 3.99% Introductory Interest Rate for 6 Months on Cheque Cash Advances and Balance Transfers
No Annual Fee
Online Access to Your Credit Card Account
Unparalleled 24-Hour Customer Service
International Acceptance at Millions of Locations

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
Please refer to online application legal disclosures.	Free	14.99%	$	Average
Balance Transfers: YES	Issuer: MBNA Canada		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