| 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. |
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Capital One® Platinum - Visa®
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- 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
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| 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* |
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Capital One® Platinum Prestige
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
Until Oct. 2009* |
8.90% Variable* |
None* |
Yes* |
Excellent* |
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Capital One® Classic Platinum - Visa®
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- 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
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| 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* |
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Capital One® Platinum - MasterCard®
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- 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
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| 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* |
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Capital One® Platinum Prestige - Visa®
|

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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
Until Oct. 2009* |
8.90% Variable* |
None* |
Yes* |
Excellent* |
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Capital One® Platinum - Good Credit
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
Until Oct. 2009* |
12.90% Variable* |
None* |
Yes* |
Good* |
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Capital One® Standard Platinum
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- 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
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| 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* |
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Capital One® Classic Platinum - MasterCard®
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- 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
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| 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* |
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Orchard Bank® Prime Platinum MasterCard®
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| 0%* |
6 months* |
15.99% Variable* |
None* |
N/A* |
Good* |
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Chase Identity ProtectionSM
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- 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.
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| 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* |
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The Nature Conservancy Worldpoints® Platinum Plus® Visa®
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- 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.
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| 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* |
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Capital One® Card Lab
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- Choose your rates
- Choose your rewards
- And even choose your own image
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
Credit Needed |
| Varies* |
Varies* |
Varies* |
Varies* |
Varies* |
Fair to Excellent* |
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BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card
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- 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.
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| 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* |
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Clear from American Express®
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- 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.
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| 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* |
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NASCAR RacePointsSM Visa® Credit Card
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- 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.
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| 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* |
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NFL Extra Points™ Visa® Card
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- 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.
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| 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* |
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The Rainbow Card® Platinum Plus® Visa® Card
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- 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.
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| 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* |
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Visa Signature® with WorldPoints™
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- 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
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| 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* |
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World MasterCard® with WorldPoints™
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- 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.
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| 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* |
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Brighter Planet™ Visa® Credit Card
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- 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.
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| 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* |
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American DreamCard™ MasterCard®
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- 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™
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| 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* |
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Blue from American Express®
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- 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.
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| 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* |
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Chase Platinum Mastercard®
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- 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
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| 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* |
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Chase Platinum Visa® Card
|

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- 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
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| 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* |
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Platinum Plus® Visa® Card
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- 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.
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| 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* |
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Pulaski Bank VISA® Card
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- 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.
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| 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* |
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IberiaBank Visa® Classic
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- 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
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| 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* |
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Chase Visa® Platinum (en Español)
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- 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
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| 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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