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0% Interest Credit Cards

Cards with 0% Introductory APR are perfect for consumers who are looking to carry a balance and/or transfer their balance from cards with higher rates. Our selection features several 0% APR on purchases & balance transfers - for up to 12 months/billing cycles - with no annual fee offers. Many cards also have built-in rewards programs, and some of the lowest ongoing regular APR rates available. More 0% cards can be found at our Cash Back Credit Cards or our Rewards Credit Cards category.

Our Top Pick: Chase Platinum Visa® Card

Click on the name of a card for a detailed page.


Capital One® Platinum - Visa®
Capital One® Platinum - Visa®
Click here to apply for the Capital One® Platinum - Visa®
  • Buy what you've been dreaming of and pay no interest until February 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 ZoneSM on Yahoo! Shopping
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Until Feb. 2009* 8.90% Variable* $39.00* Yes* Average*

Capital One® Platinum Prestige
Capital One® Platinum Prestige
Click here to apply for the Capital One® Platinum Prestige
  • Save with a 0% intro APR until October 2009 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Until Oct. 2009* 8.90% Variable* None* Yes* Excellent*

Capital One® Classic Platinum - Visa®
Capital One® Classic Platinum - Visa®
Click here to apply for the Capital One® Classic Platinum - Visa®
  • Buy what you've been dreaming of and pay no interest until February 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 ZoneSM on Yahoo! Shopping
  • Know you are protected with $0 fraud liability if your card is ever lost or stolen
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Until Feb. 2009* 14.90% Variable* $19.00* Yes* Average*

Capital One® Platinum - MasterCard®
Capital One® Platinum - MasterCard®
Click here to apply for the Capital One® Platinum - MasterCard®
  • Buy what you've been dreaming of and pay no interest until February 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 ZoneSM on Yahoo! Shopping
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Until Feb. 2009* 8.90% Variable* $39.00* Yes* Average*

Capital One® Platinum Prestige - Visa®
Capital One® Platinum Prestige - Visa®
Click here to apply for the Capital One® Platinum Prestige - Visa®
  • Save with a 0% intro APR until October 2009 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Until Oct. 2009* 8.90% Variable* None* Yes* Excellent*

Capital One® Platinum - Good Credit
Capital One® Platinum - Good Credit
Click here to apply for the Capital One® Platinum - Good Credit
  • Save with a 0% intro APR until October 2009 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Until Oct. 2009* 12.90% Variable* None* Yes* Good*

Capital One® Standard Platinum
Capital One® Standard Platinum
Click here to apply for the Capital One® Standard Platinum
  • Buy what you've been dreaming of and pay no interest until February 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 ZoneSM on Yahoo! Shopping
  • Know you are protected with $0 fraud liability if your card is ever lost or stolen
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Until Feb. 2009* 19.80% Variable* None* Yes* Average*

Capital One® Classic Platinum - MasterCard®
Capital One® Classic Platinum - MasterCard®
Click here to apply for the Capital One® Classic Platinum - MasterCard®
  • Buy what you've been dreaming of and pay no interest until February 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 ZoneSM on Yahoo! Shopping
  • Know you are protected with $0 fraud liability if your card is ever lost or stolen
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Until Feb. 2009* 14.90% Variable* $19.00* Yes* Average*

Orchard Bank® Prime Platinum MasterCard®
Orchard Bank® Prime Platinum MasterCard®
Click here to apply for the Orchard Bank® Prime Platinum MasterCard®
  • 0% Introductory APR for 6 months on Purchases and Balance Transfers
  • Platinum MasterCard Benefits
  • Free online account management tools
  • Your choice of payment due dates
  • Zero Fraud Liability Protection
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 6 months* 15.99% Variable* None* N/A* Good*

Chase Identity ProtectionSM
Chase Identity Protection<sup>SM</sup>
Click here to apply for the Chase Identity Protection<sup>SM</sup>
  • Unlimited access to credit reports and scores.
  • $100,000 identity fraud expense reimbursement paid for by Chase.**
  • 24/7 credit information monitoring.
  • Your personal representative to help you in the event of fraud.
  • Automatic notification of changes to your credit file.
  • Instant online delivery of report and scores.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A* N/A* N/A* $143.88 ($11.99/mo.)* N/A* N/A*

The Nature Conservancy Worldpoints® Platinum Plus® Visa®
The Nature Conservancy Worldpoints® Platinum Plus® Visa®
Click here to apply for the The Nature Conservancy Worldpoints® Platinum Plus® Visa®
  • The Nature Conservancy will receive 0.65% of all Net Purchases.
  • No Annual Fee & 0% intro
  • Choose from four distinct card images of places supported by The Nature Conservancy.
  • Complimentary one year membership and subscription to Nature Conservancy magazine, for new members.
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 months* 9.99% Platinum; 15.99% Preferred* None* Yes* Good / Above Average*

Capital One® Card Lab
Capital One® Card Lab
Click here to apply for the Capital One® Card Lab
  • Choose your rates
  • Choose your rewards
  • And even choose your own image
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
Varies* Varies* Varies* Varies* Varies* Fair to Excellent*

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card
BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card
Click here to apply for the BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card
  • Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash*
  • Access to the MyConciergeSM service, a unique personal assistance service*
  • Absolute fraud protection against unauthorized use, online and offline
  • No annual fee
  • Card issued by FIA Card Services, N.A.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 9.99% Platinum; 15.99% Preferred* None* Yes* Good / Above Average*

Clear from American Express®
Clear from American Express®
Click here to apply for the Clear from American Express®
  • No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
  • 0% Intro APR for Up to 12 Months
  • Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
  • Pay in full, or carry a balance.
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Up to 12 months* As low as 10.99%* None* Yes* Above Average / Excellent*

NASCAR RacePointsSM Visa® Credit Card
NASCAR RacePoints<sup>SM</sup> Visa® Credit Card
Click here to apply for the NASCAR RacePoints<sup>SM</sup> Visa® Credit Card
  • Earn RacePointsSM every time you make a purchase.*
  • Redeem points for exclusive NASCAR® experiences and collectibles.
  • No Annual Fee.
  • Free online account access.
  • 0% Introductory Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* As low as 9.99%* None* Yes* Good / Above Average*

NFL Extra Points™ Visa® Card
NFL Extra Points™ Visa® Card
Click here to apply for the NFL Extra Points™ Visa® Card
  • Reward yourself with a $50 NFLshop.com gift card after your first qualifying transaction(s) using your NFL Extra Points™ Visa® Credit Card.*
  • No Annual Fee.
  • Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for NFL merchandise, tickets, and VIP passes to NFL experiences.*
  • 0% Introductory Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
  • 100% fraud protection
  • Online account access and Points management.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* As low as 9.99%* None* Yes* Good / Above Average*

The Rainbow Card® Platinum Plus® Visa® Card
The Rainbow Card® Platinum Plus® Visa® Card
Click here to apply for the The Rainbow Card® Platinum Plus® Visa® Card
  • For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment - at no additional cost to you! The Rainbow Endowment is a grant making organization that funds the GLBT community.
  • Earn 1 point for every net retail dollar and redeem your points for travel, merchandise, gift certificates, and cash
  • No annual fee
  • Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more.
  • Card issued by FIA Card Services, N.A.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 9.99% Platinum; 15.99% Preferred* None* Yes* Good / Above Average*

Visa Signature® with WorldPoints™
Visa Signature® with WorldPoints™
Click here to apply for the Visa Signature® with WorldPoints™
  • Earn 1 Point for every dollar you spend in net retail purchases.* Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
  • No Annual Fee
  • Reserve last-minute tables at popular restaurants - Visa Signature Dining makes it easy to get preferrred reservations, discounts, and special offers at the nation's hottest restaurants.
  • Enjoy more savings and more extras - Get discounts at select merchants, valuable upgrades, and savings of up to 50% on accommodations at spectacular places. Visa Signature Privileges make it possible.
  • Receive personalized assistance - From hard-to-find gifts to travel and entertainment planning, let Visa Signature Concierge handle all the details.
  • Absolute Fraud protection
  • Online account access and Points management
  • Take advantage of preferred seating - Visa Signature Access gives you exclusive entry to exciting events as well as the best seats at sports, entertainment, and cultural venues.
  • 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
  • Card issued by FIA Card Services, NA
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* 7.99% Platinum; 13.99% Preferred* None* Yes* Good / Above Average*

World MasterCard® with WorldPoints™
World MasterCard® with WorldPoints™
Click here to apply for the World MasterCard® with WorldPoints™
  • Earn 1 Point for every dollar you spend in net retail purchases* Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
  • No Annual Fee
  • Online account access and Points management
  • Access to the MyConciergeSM service, a unique personal assistance service
  • Absolute Fraud Protection
  • 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 billing cycles* Between 9.99% & 19.99%* None* Yes* Good / Above Average*

Brighter Planet™ Visa® Credit Card
Brighter Planet™ Visa® Credit Card
Click here to apply for the Brighter Planet™ Visa® Credit Card
  • 1 EarthSmart Point for every $1 net retail
  • 1,000 EarthSmart bonus points with first transaction
  • 1,000 EarthSmart bonus points for signing up for paperless statements
  • For every two base points earned through December 2008, Bank of America will make a matching contribution of one additional point
  • Card issued by FIA Card Services, N.A.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 12 months* 9.99% Platinum; 15.99% Preferred* None* Yes* Good / Above Average*

American DreamCard™ MasterCard®
American DreamCard™ MasterCard®
Click here to apply for the American DreamCard™ MasterCard®
  • The American DreamCard is the credit card program that can make people rich!
  • Large monthly cash jackpots!
  • Earn entries from everyday shopping!
  • Every $1 in net retail purchases = 1 entry to win (up to 1,000 entries per purchase)
  • No Annual Fee
  • Get 1,000 entries just for applying!
  • More entries mean more chances to win!
  • Entries are good for future drawings and there is no limit to how many times you can win*
  • A New Winner Every Month!
  • Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
  • American DreamCard™ holders also have access to MasterCard® Exclusive Online™
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* 5 months* As low as 14.99%* None* N/A* Above Average / Excellent*

Blue from American Express®
Blue from American Express®
Click here to apply for the Blue from American Express®
  • 0% Intro APR for up to 12 months on purchases
  • Low Balance Transfer APR - 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.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on purchases)* Up to 12 months* As low as 8.99%* None* Yes* Above Average / Excellent*

Chase Platinum Mastercard®
Chase Platinum Mastercard®
Click here to apply for the Chase Platinum Mastercard®
  • 0% Intro APR*
  • The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
  • No annual fee
  • Interest-free grace period when you pay your bill in full each month
  • FREE Online account access
  • FREE Travel services including Auto Rental Collision Damage Waiver and worldwide travel accident insurance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Up to 12 months* As low as 10.99%* None* Yes* Good / Above Average*

Chase Platinum Visa® Card
Chase Platinum Visa® Card
Click here to apply for the Chase Platinum Visa® Card
  • 0% Intro APR for up to 12 months*
  • No Annual Fee
  • FREE Online Account Access
  • FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Up to 12 months* As low as 10.99%* None* Yes* Good / Above Average*

Platinum Plus® Visa® Card
Platinum Plus® Visa® Card
Click here to apply for the Platinum Plus® Visa® Card
  • 0% Introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles.
  • No Annual Fee
  • Credit lines as high as $25,000
  • Online Banking Service
  • Total Security Protection®
  • Mini Card available
  • Photo Expressions available
  • Card issued by FIA Card Services, NA.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on balance transfers)* 12 billing cycles* As low as Prime + 2.99%* None* Yes* Good / Above Average*

Pulaski Bank VISA® Card
Pulaski Bank VISA® Card
Click here to apply for the Pulaski Bank VISA® Card
  • Purchase rate is a fixed 6.50% annual percentage rate (apr).
  • Intro balance transfer rate of 0% (apr) for 6 billing periods, ongoing is 6.50%.
  • Cash rate is 6.50% apr.
  • No cash advance or balance transfer fees.
  • 25 day grace period.
  • $29 late and/or over limit fee.
  • Minimum payment is 2% of outstanding balance, ($10 minimum) plus any amount past due or over limit.
  • Minimum finance charge of $1.00.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on balance transfers)* 6 billing periods* 6.50% Fixed (Same for Cash Advances)* $35.00 ($50.00 for Gold)* Yes* Excellent*

IberiaBank Visa® Classic
IberiaBank Visa® Classic
Click here to apply for the IberiaBank Visa® Classic
  • No annual membership fee
  • 0% Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
  • No transaction fee for balance transfers
  • 25 day grace period
  • Online access to credit card account information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% (on balance transfers)* 6 billing cycles* As low as Prime +3%* None* Yes* Above Average / Excellent*

Chase Visa® Platinum (en Español)
Chase Visa® Platinum (en Español)
Click here to apply for the Chase Visa® Platinum (en Español)
  • 0% APR introductoria por hasta 12 meses*
  • La duración de la APR introductoria y los saldos a los que se aplicará se basarán en nuestra evaluación de su solicitud y su historial crediticio
  • Sin Cargo Anual
  • Acceso GRATIS a su cuenta por Internet*
  • Servicios GRATIS para sus viajes, como seguro contra choques de autos alquilados y seguro contra accidentes de viaje en todo el mundo
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* Por hasta 12 meses* Tan bajo como 10.99%* Ninguna* Sí* Buen Crédito*

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