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0% Intro APR Credit CardsA 0% intro APR credit card gives cardholders the benefit an interest-free introductory period on their purchases and/or balance transfers, as long as the account is kept in good standing during that time. The following are the most popular intro APR credit cards offered by our partners:

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Editor’s choice

  • BankAmericard® Visa® Card

    INTRO APR
    0%-15 Billing Cycles

    APR
    10.99% - 20.99% Variable*

    Credit Needed: Excellent Credit

    • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
    • No annual fee
    • The perfect card for those seeking a simple yet convenient-to-use credit card
    • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
    • Chip technology for enhanced security at chip-enabled merchant terminals

    Intro APR Purchases

    0%-15 Billing Cycles*

    Into APR Balance Transfer

    0% for 15 billing cycles for qualifying balance transfers*

    Regular APR

    10.99%-20.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • U.S. Bank Visa® Platinum Card

    INTRO APR
    0%-15 billing period

    APR
    9.99% - 23.99%* (Variable)

    Credit Needed: Excellent Credit

    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
    • No annual fee*
    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
    • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
    • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
    • Online account management and account alerts

    Intro APR Purchases

    0%-15 billing period*

    Into APR Balance Transfer

    0%-15 billing period*

    Regular APR

    9.99%-23.99%* (Variable)

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Citi Simplicity® Card

    INTRO APR
    0%*-18 mths*

    APR
    12.99% - 22.99%* Variable

    Credit Needed: Excellent Credit

    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% 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.

    Intro APR Purchases

    0%*-18 mths*

    Into APR Balance Transfer

    0%*-18 mths*

    Regular APR

    12.99%-22.99%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Capital One® QuicksilverOne® Cash Rewards Credit Card

    INTRO APR
    0%*-until November 2015

    APR
    22.9%* Variable

    Credit Needed: Fair Credit

    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories and no sign ups needed to earn cash rewards
    • Redeem the cash back you earn for any amount, any time
    • Cash back doesn’t expire and there’s no limit to how much you can earn
    • 0% intro APR on purchases until November 2015; 22.9% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen

    Intro APR Purchases

    0%*-until November 2015

    Into APR Balance Transfer

    0%*-until November 2015

    Regular APR

    22.9%* Variable

    Annual Fee

    $39*

    Credit Needed

    Fair Credit*

  • Chase Freedom®

    INTRO APR
    0%-15 mths

    APR
    13.99% - 22.99%* Variable

    Credit Needed: Excellent Credit

    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
    • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • No annual fee and rewards never expire as long as your account is open

    Intro APR Purchases

    0%-15 mths*

    Into APR Balance Transfer

    0%-15 mths*

    Regular APR

    13.99%-22.99%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Capital One® Quicksilver® Cash Rewards Credit Card

    INTRO APR
    0%-until November 2015

    APR
    12.9% - 22.9%* Variable

    Credit Needed: Excellent Credit

    • One-time $100 bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories and no sign ups needed to earn cash rewards
    • Cash back doesn’t expire and there’s no limit to how much you can earn
    • 0% intro APR on purchases until November 2015; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees

    Intro APR Purchases

    0%-until November 2015*

    Into APR Balance Transfer

    0%-until November 2015*

    Regular APR

    12.9%-22.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • BankAmericard Cash Rewards™ credit card

    INTRO APR
    0%-12 Billing Cycles

    APR
    12.99% - 22.99% Variable*

    Credit Needed: Excellent Credit

    • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
    • No annual fee
    • No changing categories and your rewards do not expire
    • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR

    Intro APR Purchases

    0%-12 Billing Cycles*

    Into APR Balance Transfer

    0% for 12 billing cycles for qualifying balance transfers*

    Regular APR

    12.99%-22.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Discover it®

    INTRO APR
    0%-14 mths

    APR
    10.99% - 22.99% Variable*

    Credit Needed: Excellent Credit

    • 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 6,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • 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— day or night.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

    Intro APR Purchases

    0%-14 mths*

    Into APR Balance Transfer

    0%-14 mths*

    Regular APR

    10.99%-22.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

    INTRO APR
    0%*-12 mths*

    APR
    12.99% - 22.99%* Variable

    Credit Needed: Excellent Credit

    • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
    • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
    • 1 ThankYou Point on other purchases
    • Points do not expire and earn unlimited Thank You Points
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*

    Intro APR Purchases

    0%*-12 mths*

    Into APR Balance Transfer

    0%*-12 mths*

    Regular APR

    12.99%-22.99%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • PlayStation® Card from Capital One®

    INTRO APR
    0%-until December 2015

    APR
    13.9% - 24.9%* Variable

    Credit Needed: Excellent Credit

    • Earn 5,000 bonus points after your first purchase in the first 90 days
    • 10 points per $1 spent on all PlayStation® Store purchases
    • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
    • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music & more
    • 0% intro APR on purchases until December 2015, after that a variable 13.9% - 24.9% applies
    • No annual fee

    Intro APR Purchases

    0%-until December 2015*

    Into APR Balance Transfer

    N/A

    Regular APR

    13.9%-24.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

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Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.

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