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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 card offers available anywhere from the leading card issuers listed in order below:

Editor’s Pick
Discover it®
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service-anytime, day and night. *
  • See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
$0
Yes*
Excellent*

Editor's Review: The Discover it® offers cardholders an attractive 0% APR on purchases and balance transfers for a full 14 months, a very attractive feature that establishes it as one of the best balance transfer offers currently available in the marketplace ...more info

Discover it®
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 months on balance transfers. 0% Intro APR for 6 months on purchases.
10.99% - 22.99% Variable*
$0
Yes*
Excellent*

Editor's Review: This Discover it® is a cash rewards card that comes with one of the most attractive balance transfer features available for NEW card customers only: an 18-month 0% Introductory APR on balance transfers. ...more info

Citi Simplicity® Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
12.99% - 21.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi Simplicity® Card is a brand new card from Citi that gives new cardholders a simplified line of credit with fast person-to-person customer service that says goodbye to penalties and fees for missing a payment due date ...more info

Citi® Dividend Platinum Select® Visa® Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 - 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 12 months on Balance Transfers and Purchases*
12.99%-22.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi® Dividend Platinum Select® Visa® Card 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

 

Featured Blog Content

Even After The CARD Act, 0% APR Cards Still A Slippery SlopeWhile America's card issuers are being forced to take the country’s new credit legislation seriously, that doesn't mean they've stopped fleecing their customers. Ever since the CARD Act passed in 2009, offers for 0% APR credit cards have actually become more, rather than less, prevalent. While balance transfer credit cards aren't the fee-laden tiger traps […]


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 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 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, these 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 18 months on all purchases and balance transfers.

You can search and compare each of the low interest 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 offers are most suitable for individuals with good to excellent credit.

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Looking for more articles and free information on 0% APR cards? 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 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 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 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...