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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 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.
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 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 12 months on all purchases.
Other compelling low interest credit card offers include the Discover® More(SM) American Flag Card and the Pulaski Bank Visa® 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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Discover® More(SM) Card - American Flag |
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- 0% Intro APR for Up to 12 months on Balance Transfers and 6 Months on Purchases*
- 5% Cashback Bonus® in categories that change four times a year
- 5% to 20% Cashback Bonus at top online retailers
- Up to 1% Cashback Bonus on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
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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, Purchases*
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12 Months on Balance Transfers
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11.99%*
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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 during the first six months and balance transfers for up to 12 months
...more info
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Discover® More(SM) Card |
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- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
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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, Purchases*
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6 Months*
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11.99%*
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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 and purchases for 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 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
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Citi® Platinum Select® MasterCard® |
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- 0% APR* on Purchases and Balance Transfers for 6 Months*
- Citi Identity Theft Solutions*
- No Annual Fee*
- Extra Cash from Citi: enjoy significant discounts on gift cards, merchandise, travel and more.
- 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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6 Months*
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As Low As 11.99%* (V)
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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 - Monogram |
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- 5% Cashback Bonus® in categories that change four times a year
- 5% to 20% Cashback Bonus at top online retailers
- Up to 1% Cashback Bonus on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
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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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6 Months*
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11.99%*
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$0*
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Yes*
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Very Good Credit*
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Editor's Review:
The Discover® More (SM) Card – Monogram is a great option for someone with good credit looking for both a 0% introductory rate and a low ongoing APR as well as a cash rewards feature. Discover® More (SM) Card – Monogram also features the option of selecting a personalized design which displays the cardholder's intials on the front of the card.
...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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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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