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No Interest Credit Cards | 0 APR
For those in search of the very best 0 APR and introductory no interest credit cards, you should first start by comparing interest rates or APR’s on cards. If you tend to carry a monthly card balance, several cards outlined below are considered to be among the top low APR credit cards available. While the introductory rate on 0 APR credit cards tends to be short term (6 to 12 months), they are undoubtedly a great way to save money right away.
When choosing to apply for one of these low rate credit cards, the interest rate or APR on the card should obviously be one of the deciding factors in your card application choice. Because of the comparably lower finance charges, many of these 0 interest cards are relatively inexpensive alternatives for consumers. The lower the interest rate or APR, the cheaper the card is to carry and the more money you'll save. Typically, your credit has to be excellent to qualify for one of these introductory zero interest credit cards, however. So if you carry a large monthly card balance, a low APR can save you significantly, and in some instances can save cardholders thousands of dollars, depending on the life of the card balance.
At CreditCardAssist.com, we provide a wide selection of free information, tips and advice on how to search, compare and apply for the very best low rate and introductory 0% APR credit card offers available anywhere.
The Discover More(SM) card and the Citi® Platinum Select cards are two of CreditCardAssist.com's top introductory zero interest offers. With a 0% introductory APR (for up to 12 months) and a low ongoing APR on purchases and balance transfers, this low interest rate credit card offers an ideal choice for cardholders looking for competitively low interest rates online. Another relatively cheap credit card financing option in the low interest category to consider is the Chase Platinum Visa® card that offers a 0% intro APR on balance transfers and purchases for 12 months and a low ongoing interest rate as well. Lastly, another great low interest credit card to consider is Blue® from American Express, offering both a low ongoing APR as well as a 0% introductory APR for up to 15 months on all purchases.
Other compelling low interest credit card offers include the Merrill+ Visa® Credit Card and the Bank of America Rewards™ American Express® Card. All of these cards offer low introductory APR's, low ongoing interest rates as well as reward programs with reward points or cash back.
Zero Interest - 0 APR Credit Cards - Reviews
We've listed a variety of the top introductory no interest and 0 APR credit card offers available online from the leading credit card issuers and banks below. You can search and compare each of the low interest rate card offers available and apply online today. If you don't switch cards frequently and are looking for one central card for all of your long term charges, you could save a bundle with one of these card offers. Get the low rate deal you deserve with a recommendation from CreditCardAssist.com! These top pick low APR card offers are most suitable for individuals with good to excellent credit.
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Citi® Platinum Select® MasterCard® |
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- 0% APR* on Purchases and Balance Transfers for Up To 12 Months*
- Citi Identity Theft Solutions*
- No Annual Fee*
- Secure, Free Online Account Management*
- $0 Liability on Unauthorized Purchases*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases, Balance Transfers*
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Up to 12 Months*
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As low as 6.74%*
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None*
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See Site for Details*
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Excellent Credit*
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Editor's Review:
The Citi® Platinum Select® MasterCard® is one of Citibank's overall best credit card offers. While compared to other platinum card offers, it might appear to be a somewhat stripped down offer because it does not provide any rewards offer in combination, but for applicants who don't require a rewards program and are looking for a competitively low intro as well as a low ongoing APR, the Citi Platinum Select MasterCard® is a solid credit card offer worth taking a good look at.
...more info
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Discover® More(SM) Card |
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- 0% intro APR for 6 months on Purchases*
- 0% introductory APR for 12 months on Balance Transfers*
- No Annual Fee
- 5% to 20% Cashback Bonus at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners
- Online Account Access & Bill Payment
- *View Discover® Card Rates, Fees, Rewards and Other Important Information
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers*
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12 Months*
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9.99%*
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
Upon approval, cardholders will enjoy an introductory 0% APR on balance transfers for the first twelve months and 0% on purchases for up to the first 6 months. And after the introductory APR period expires, the regular APR for this card is very low comparable to other similar cards, making it one of the more attractive low APR alternatives on the market. But do keep in mind that only better qualifying applicants will receive the lowest qualifying APR available.
...more info
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Blue Cash® from American Express® |
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- 0% Intro APR for Up to 12 Months on Purchases*
- Up To 5% Cash Back on Every Day Purchases - Even Gas!*
- No Annual Fee*
- Low Balance Transfer Rate - 2.99% Fixed APR for Twelve Months*
- Express Approval. Get a Decision in Less than 60 Seconds*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases*
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Up to 12 Months*
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As Low as 11.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
The Blue Cash® from American Express® is a great card for anyone searching for the benefits of a cash rewards card but who also really want a low APR credit card. Card holders can take advantage of a 0% APR credit card for 12 months on purchases as well as a low introductory rate that remains low after the introductory period expires, making this a great offer for anyone with good or excellent credit.
...more info
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Capital One® Platinum Max(SM) |
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- Take Advantage of a 16.9% APR That Will Not Change - No Matter What - For At Least Three Years*
- Get a Credit Line Up to $2,500*
- 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 Zone(SM) on Yahoo! Shopping*
- See Capital One® important disclosures for more information.*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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16.9%*
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$19*
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Yes*
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Average*
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Editor's Review:
The Capital One® Platinum Max(SM) card is ideal for those with a limited credit history who want the security of having a fixed interest rate.
...more info
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Discover® More(SM) Card - American Flag |
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- 5% to 20% Cash back Bonus® from Top Online Retailers*
- Earn up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access & Bill Payment
- No Annual Fee
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases*
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6 Months*
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9.99%*
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None*
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Yes*
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Good Credit*
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Editor's Review:
The Discover More Card - American Flag is one of the best low interest rate credit cards available to those who have very good credit. In addition, unlike many low APR credit cards, it offers a variety of perks and privileges, including a cash back rewards program and a very attractive introductory 0% APR credit card feature, good on all purchases and balance transfers made during the first twelve months of membership
...more info
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Blue from American Express® |
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- Membership Rewards Express(SM) program*
- 0% APR on Your Purchases for Up To 12 Months*
- Low Balance Transfer APR - 2.99% for 12 Months*
- No Annual Fee*
- Earn Points that You Can Redeem for Travel, Merchandise, Gift Cards or Unique Entertainment Experiences.*
- Express Approval. Get a Decision in Less Than 60 Seconds*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases*
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Up to 12 months*
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As Low as 10.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
Blue from American Express® is an all-around solid credit card designed for individuals with an established credit history who are looking for the benefits of a low APR credit card in addition to reward features. Upon approval, cardholders will enjoy the benefit of a 0% APR credit card for up to 12 months on all purchases! Cardholders will have access to the Membership Rewards (annual fee required) and other low interest features...
...more info
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Pulaski Bank Visa® or MasterCard® |
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- This credit card features a low fixed APR*
- This card does however require EXCELLENT CREDIT and Proof of Income is Required with either a copy of your Tax Return or a copy of a Pay Stub.*
- If you have excellent credit and don't mind verifying your income, then apply today and save!*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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6 Months*
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6.5%*
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$35*
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Yes*
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Excellent Credit*
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Editor's Review:
The Pulaski Bank Visa or MasterCard is one of few low rate interest credit cards created specifically for those with average credit history. Although it does not have all of the "bells and whistles" some credit cards offer, the low interest rate and the basic services provided by the card are very attractive to many people
...more info
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Citi® Diamond Preferred® Rewards Card |
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- 0% APR* on Balance Transfers for up to 12 Months*
- 5 Reward Points for Every $1 Spent on Purchases at Supermarkets, Drugstores and Gas Stations for 12 Months*
- No Annual Fee and FREE Rewards Program*
- Citi Identity Theft Solutions*
- Price Protection Program*
- $0 Liability on Unauthorized Purchases*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers*
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Up to 12 Months*
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As low as 9.49%*
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None*
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See Site for Details*
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Excellent Credit*
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Editor's Review:
The primary feature of the Citi Diamond Preferred Card is the attractive reward offer of up to 5 reward points for purchases made, but the card also features several low APR credit card features for potential applicants who are interested in low interest cards should take note of. The card offers a very low interest rate on balance transfers of 0% for up to
...more info
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Looking for more articles and free information on 0% APR credit card offers? We've provided more articles, tips, advice and resources below: - 0% APR Credit Card Facts - Almost all credit card companies offer an incentive 0% APR during the introductory months of card membership, usually the first six to twelve months. With these enticing credit card offers, many consumers just grab the opportunity and forget to look deeper than just the interest rates involved in the first "honeymoon" year. Don't forget to research the facts about these card offers, including ...
- Lure for Large Card Balances - Anyone with outstanding credit card debt must find the lure of a 0% APR credit card extremely attractive. Interest free debt is extremely attractive, particularly for people with large outstanding credit balances who fully understand how debilitating interest and finance charges can be. But there are a few things to be aware of regarding 0% APR credit cards...
- Maximize Your 0% APR Credit Cards - One of the easiest ways to reduce some of your monthly payments might be with a
0% APR credit card, especially if you currently have a few other cards in which
you are paying interest on balances carried over from month to month. Here are a
few things you should look for in order maximize your benefits...
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