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No Interest Credit Cards | 0 APR
For those in search of the very best introductory no interest credit cards or 0 APR credit cards, you should first start by comparing interest rates or APR’s on card offers. If you tend to carry a monthly card balance, several of the introductory no interest credit cards offered below are considered to be among the top 0 APR and low APR credit card offers 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 the low rate credit cards available, 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 the no interest credit cards offered below could be considered relatively inexpensive, but not necessarily cheap, credit cards for consumers. The lower the interest rate or APR, the cheaper the card is to carry and the more money you'll save. So if you carry a large monthly card balance, a low APR credit card can save you significantly, and in some instances low APR card offers 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 interest credit cards available anywhere.
The Citi® Platinum Select card is one of CreditCardAssist.com's top low APR card offers. With a 0% introductory APR (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 credit cards 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 credit cards and apply online today. If you don't switch credit cards frequently and are looking for one central card for all of your long term charges, you could save a bundle with several of our low APR credit cards applications. Get the low rate deal you deserve with a recommended card 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® Card - Low Interest |
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- 0% APR* on Balance Transfers and Purchases for Up To 12 Months*
- No Annual Fee*
- Citi Identity Theft Solutions*
- $0 Liability on Unauthorized Purchases*
- Secure, Free Online Account Management*
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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 8.49%*
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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 Citi® Platinum Select® Card 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 card is a solid credit card offer worth taking a good look at.
...more info
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Chase Platinum Visa® Card - Low Interest |
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- 0% Intro APR for up to 12 months
- 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
- FREE Online Account Access
- FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
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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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11.24%*
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None*
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Yes*
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Good Credit*
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Editor's Review:
Considered the flagship card in Chase's credit card product lineup, the Chase Platinum Visa® Card is a superior overall platinum credit card because of its notable versatility. The card has several low APR credit card features worth noting, an outstanding rewards option as well as an extended balance transfer offer. Because of this versatility, the Chase Platinum Visa should be placed at the top of anyone's consideration list when looking for a low APR card with a combination of great features
...more info
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Blue from American Express® - Low APR |
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- Membership Rewards Express(SM) program*
- 0% APR on Purchases for Up To 15 Months*
- No Annual Fee*
- Low Balance Transfer APR - 4.99% Fixed APR for the Life of the Balance*
- Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind 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 15 months*
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10.24%*
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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 15 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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Bank of America Rewards™ American Express® Card - Low APR |
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- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- No annual fee and the flexibility to pay over time
- Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates§
- Earn one point for every net retail purchase dollar§
- Access to special Cardmember offers from American Express to save on shopping, dining, travel, hotels, and much more.
- Free 24/7 Concierge Service
- Card issued by FIA Card Services, NA.
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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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Balance Transfers Only*
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9.9%*
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None*
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Yes*
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Average Credit Needed*
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Editor's Review:
People that have an average credit rating but would like to take advantage of a rewards program may be interested in the Bank of America Rewards™ American Express® Card. In addition to offering an attractive reward program, the card is also one of the best zero interest credit cards available for those with an average credit rating
...more info
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Merrill+ Visa® Credit Card |
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- No Annual Fee*
- Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles*
- Low 9.99% APR*
- Credit Line May Be as High as $250,000*
- Earn 1 Point for Every $1 Spent*
- Extraordinary Benefits such as Companion Airline Tickets and Upgrades, Airport Lounge Access, and 24/7 Concierge*
- Card Issued by FIA Card Services, N.A.*
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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 |
1.9% Balance Transfers/Cash Advance*
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First 12 Billing Cycles*
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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:
For those interested in zero interest credit cards that also offer a rewards program and a reasonable APR after the introductory period is complete along with no annual fee may wish to consider the Merrill+ Visa® Credit Card.
...more info
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Discover® MoreSM Card - Low APR |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically*
- Up to 20% Cashback Bonus® when you shop online*
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want*
- 0% Intro APR*
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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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10.99%*
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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 both balance transfers AND purchases for up to 6 months. And after the introductory APR period expires, the regular APR for this card is very low comparable to other similar low interest credit cards, making it one of the more attractive low APR credit cards 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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Capital One® Platinum Max(SM) |
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- Put away the worry of increasing interest rates*
- 16.9% fixed on purchases for 3 years*
- Fixed rate won't increase for three years - no matter what*
- No cash advance fee*
- 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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New to Credit*
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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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Looking for more articles and free information on no interest credit cards and 0% APR credit 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 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 0% APR credit cards, especially if you currently have a few other credit 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 from a new 0% APR credit card.
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