Apply Online for 0 APR Card Offers

No Interest Credit Cards | 0% APR Credit Card Offers

At CreditCardAssist.com, we provide 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.

We've listed the very best no interest and 0 APR credit card offers available anywhere from the leading credit card issuers listed in order below:

Editor’s Pick
Capital One® VentureOne(SM) Rewards Credit Card
  • 1.25 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • 0% intro APR on purchases until February 2013
  • No foreign transaction fees
  • No annual fee
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases*
Until February 2013*
11.9% - 19.9% (V)*
None*
Yes*
Excellent Credit

Editor's Review: The Capital One® VentureOne(SM) Rewards Credit Card is a great card for frequent travelers with excellent credit ...more info

Citi® Platinum Select® MasterCard®
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0%*
18 Months*
11.99% - 21.99%* (Variable)
None*
Yes*
Excellent Credit*

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

Capital One® Platinum Prestige Credit Card
  • 0% Intro APR Until May 2013 on Balance Transfers
  • 0% Intro APR Until May 2013 on Purchases
  • No Annual Fee
  • $0 Fraud Liability if Your Card is Lost or Stolen
  • 24-Hour Travel & Emergency Assistance Gives You a Replacement Card and Cash Advance
  • 24-Hour Roadside Assistance
  • Pick An Image For Your Card - Choose The One Shown Here, Any Of The Hundreds In Our Collection, Or Add Your Own
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
Until May 2013*
10.9% - 18.9% (V)*
None*
Yes*
Excellent Credit*

Editor's Review: The Capital One® Platinum Prestige Credit Card is a card for those with excellent credit who want a credit card with a 0% introductory rate, a low go-to APR of 10.9% - 18.9% variable and no annual fee ...more info

Capital One® Venture(SM) Rewards Credit Card
  • Money® magazine's "Most Rewarding Card if you crave free airline flights"
  • 2 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem your miles for ANY travel expense
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
11.9% - 19.9% (V)*
$0 intro for first year; $59 after that
Yes
Excellent Credit

Editor's Review: The Capital One® Venture(SM) Rewards Credit Card is perfect for individuals with excellent credit looking for a travel rewards credit card ...more info

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 automatic mobile and email fraud alerts
  • 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
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
15 Months*
10.99% - 20.99% (Variable)*
None*
Yes*
Excellent Credit*

Editor's Review: Upon approval, cardholders will enjoy an introductory 0% APR on purchases and balance transfers for 15 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 most attractive low APR cards on the market. But do keep in mind that only better qualifying applicants will receive the lowest qualifying APR available. ...more info

Citi® Diamond Preferred® Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
  • Exciting deals and savings for great brands through Citi Specials
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
18 Months*
11.99 - 21.99% (Variable)*
None*
Yes*
Good Credit*

Editor's Review: The Citi® Diamond Preferred® Card has no annual fee, and it has a reasonable interest rate for purchases and balance transfers. In addition, the card has a 0% introductory rate on balance transfers and purchases for 18 months ...more info

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
12 Months*
12.99% - 22.99%* (Variable)
None*
Yes*
Good Credit*

Editor's Review: The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back is designed primarily as a cash back credit card for people with good credit. The card also features a 0% APR on both purchases and balance transfers for the first 12 months*. ...more info

Chase Freedom® Visa - $100 Bonus Cash Back
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • 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 on 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
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0%*
12 Months on Balance Transfers
11.99% - 22.99% (Variable*)
None*
Yes*
Excellent*

Editor's Review: The Chase Freedom(SM) Visa - $100 Bonus Cash Back card from Chase is designed for those who have excellent credit who are looking for a great cash back rewards program ...more info

Slate(SM) from Chase
  • Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
  • 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
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0%*
Up to 15 Months*
11.99% - 21.99% (Variable)*
None*
Yes*
Excellent Credit*

Editor's Review: For those who occasionally carry a balance on their credit cards and who want to have more control over their finances, the Slate(SM) from Chase credit card is a good option. ...more info

 

Featured Blog Content

Lowering Your Interest Rate is Just a Phone Call AwayIs your interest rate ideal? Probably not. Every day, millions of Americans accept credit card offers with APRs as high as 30% because they think there's nothing they can do about it. But actually, there is a way. Although credit card companies don't want you to know it, changing your credit card interest rate can ...read more




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.

Zero Interest - 0 APR Credit Cards - Reviews

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 credit 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.

The Capital One® Platinum Prestige(SM) card and the Capital One® VentureOne(SM) Rewards Credit Card are two of CreditCardAssist.com's top introductory zero interest offers. With 0% introductory APR (for extended periods) and a low ongoing APR on purchases and balance transfers, low interest rate credit card offers are an ideal choice for cardholders looking for competitively low interest rates online. Another great low interest credit card to consider is the Citi® Platinum Select® MasterCard®, offering both a low ongoing APR as well as a 0% introductory APR for up to 15 months on all purchases and balance transfers.

Other compelling low interest credit card offers include the Discover® More(SM) Card as well as the Discover® More(SM) American Flag 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.

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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