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Top 4 Credit Cards with 0% Intro APR

Top 5 Credit Cards with 0% Intro APR

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Creditcards.org may be compensated through Affiliate Programs for referrals.

• Updated: July 02, 2018

If you're  looking to pay off debt or make a big purchase, a zero percent APR credit card, might be the solution you're looking for. In recent years many credit card companies have become very competitive with their introductory APR features, and when banks compete, you really do win. You used to have to get a loan to get 0% interest, now you get free interest for up to 18 months, and you can even earn credit card rewards in the process. We’ve gathered the best 0% APR cards on the market to give you a little more breathing room when paying down your debt.

​Citi Simplicity® Card - 0% APR for 18 Months
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Our partner, Citi® is the only credit card issuer offering a massive 0% APR period of 18 months on purchases and balance transfers. That buys you a year and a half with no interest payments. You could consolidate quite a bit of debt and pay it off in that amount of time. In addition to an amazing no interest period, Citi® promises no fees- EVER. The Citi Simplicity® Card will never charge you an annual fee, a penalty fee, or a late fee, and that’s a pretty sweet deal. 

Citi® Diamond Preferred® Card - 0% APR for 12 Months
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Here is another great card from our partner Citi®​. The Citi® Diamond Preferred® also offers 0% APR  for 12 months on purchases (and 0% for 21 months on balance transfers). The Citi® Diamond Preferred® also comes with a great identity theft protection plan, which means you’re not liable for any fraudulent charges. 

BankAmericard Cash Rewards Credit Card - 0% APR for 12 Billing Cycles
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Bank of America’s cash rewards card doesn’t have quite as lengthy period of a no interest period as Citi® Simplicity, but they do offer a pretty stellar rewards program. In the first 12 billing cycles you have the card open you’ll enjoy interest free purchases and balance transfers. You’ll also earn 1% cash back on every purchase, 2% at grocery stores and 3% at gas stations, up to the first $2,500 in combined purchases. That sounds like free money to us! Bank of America also waives all annual fees, plus offers additional bonuses to current Bank of America customers. 

BankAmericard® Credit Card - 0% APR for 15 Billing Cycles
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This BankAmericard® Credit Card offers card holders 15 billing cycles worth of 0% APR on all purchases and balance transfers. It also has a lower ongoing APR than most cards, no penalty APR, and no annual fee. In addition, BankAmericard offers free access to your FICO® score as an added convenience.

Capital One® VentureOne® Rewards Credit Card - 0% APR for 12 Months
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For those looking for 0% APR and a travel bonus, this Capital One® VentureOne® Rewards Credit Card fits the bill perfectly. It offers cardholders 12 months of 0% APR on all purchases and unlimited 1.25 miles per dollar spend on every purchase. Plus you get a great sign up bonus of 20,000 miles once you spend $1,000 on purchases withing 3 months of account opening and rest easy with no foreign transaction fees when traveling internationally.

Click Here to see all of our credit cards with great introductory rewards!

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