Credit Cards with No Interest Available Today?

Zero introductory APR cards are advertised by all major banks. There are offers with 0% APR for balance transfers or for new purchases that give a relief from interest for 6-18 months. The majority of offers stick to a 12 month period of no interest

Here’re our editor's top picks for 0% intro APR cards:

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at issuer’s secured site
fair credit
intro purchase APR 0% for 15 monthsregular APR15.49 - 24.24% (V)
intro BT APR 0% for 15 months, 0% BT fee 60 days 5% BT fee $5 min

no annual fee

0% intro APR on purchases and balance transfers

0% BT fee for 60 days

free FICO score

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at issuer’s secured site
excellent
intro purchase APR 0% for 21 monthsregular APR13.99 - 23.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min

no annual fee

0% APR for 21 months for BT and purchases

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read card review Apply Now
at issuer’s secured site
excellent
intro purchase APR 0% for 21 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min

no annual fee

low APR from 12.99%

21 months 0% intro APR on BT and purchases

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read card review Apply Now
at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR10.99 - 19.99% (V)
intro BT APR 0% for 18 months 3% min $5
rewards 4 points per $1 + points on balance
  • 4 points per dollar on purchases
  • 100 points for every $1 of interest charged by bank on your balance with a balance more than $1,500
  • 100 points for every $2 of interest charged by bank on your balance with a balance between $500- $1,500

 

no annual fee

low APR

intro BT APR

points for carrying a balance

read review
read card review Apply Now
at issuer’s secured site
good credit
intro purchase APR 0% for 18 monthsregular APR11.49 - 21.49% (V)
intro BT APR 0% for 18 months 3% min $10

no annual fee

low APR 11.49-21.49%

read review

Be aware of these details:

  • Intro APR can apply only to purchases, only to balance transfers, or to both.
  • For balance transfers, zero APR usually applies only to transfers made within 30-90 first days of the card. A balance transfer fee of about 3% generally applies.

During the introductory period, you still need to make minimum payments. If you miss, the bank will be happy to charge you a late payment fee and retrospectively apply a penalty APR as high as 25-30%.

  • By the end of the introductory period, you need to repay your balance in full; everything that is not paid off will yield an interest. 


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