0% APR Credit Cards

One of the best deals available are credit cards that offer 0% on purchases. Zero interest on purchases allows you to use the card for big purchases or everyday expenses, and pay no interest until the into period expires.

Until recently, it was common for cards to offer no interest for up to 12 months. Now, some credit cards offer 0% for up to 18 months, and there are even credit cards that give you 21 months of no interest. Many of these offers are even packed full of other benefits, such as cash back rewards, travel points, or even zero percent balance transfer offers.

Below you’ll see our top pick from Citi which gives you 18 months 0% on your purchases and balance transfers and a $200 statement credit after you make $500 online purchases in your first 3 months*, followed by a list of other top offers.

Editor's Pick

Citi Diamond Preferred Card - $200 Statement Credit

  • Earn a $200 statement credit after you make $500 online purchases in your first 3 months*
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R).
  • -Exciting deals and savings for great brands through Citi Specials -$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*

Capital One® Platinum Prestige Credit Card

The best feature of the Capital One® Platinum Prestige Credit Card is the 0% introductory rate on both purchases and balance transfers until until May 2013*. This feature benefits those who may want to carry a balance or transfer balances from other cards with high interest rates. Another great feature is the low go-to APR. After the 0% introductory period, the APR for both purchases and balance transfers is a low go-to APR of 10.9% - 18.9% (V)*.

Discover® More® Card

The best feature of the Discover® More® Card is the 0% introductory offer. This card gives a full 12 months of 0% on purchases and 15 months no interest on balance transfers. After the introductory rate, the APR you receive is 10.99% - 20.99% (Variable)*, based on your creditworthiness. This card also offers 5% cash back in rotating categories and 1% on all other purchases.

Citi ThankYouSM Preferred Card – $100 Gift Card

The Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards makes our list for a few reasons. First, the card gives 0% for N/A*. In addition, this card offers a nice rewards program and gives a bonus of $100 in gift cards after you make $500 in purchases within 3 months of account opening. All these factors combined makes this offer a tough one to beat. After the introductory rate the regular APR is 12.99%-22.99%* (Variable), based on your creditworthiness.

Capital One® VentureOne(SM) Rewards Credit Card

The best feature of the Capital One® VentureOneSM Rewards Credit Card is that it gives 0% on purchases until until February 2013*. After the 0% introductory period, the APR for is a low go-to APR of 11.9% - 19.9% (V)*. There is a one-time bonus of 10,000 miles once you spend $1,000 in the first 3 months. There is no limit on the miles cardholders can earn and they can be redeemed for virtually any travel expense, such as airline tickets, hotel rooms, car rentals and more.

Citi® Simplicity Card

The Citi Simplicity® Card makes our list as one of the top cards because it gives 21 months of 0% on purchases. That’s not all you get with this card, you will also get 21 on balance transfers with a transfer fee of 3%. This dual offer also comes with a regular APR of 12.99% - 21.99%* (Variable), based on your creditworthiness. The Citi® Simplicity Card is part of Citi’s Extra Cash program. With Extra Cash, you can purchase products online through Citi and apply your Extra Cash toward the purchase price.

Citi® Dividend World MasterCard®

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back is an all around great card. To start you get 0% on purchases for 15 months and the 15 months also applies to balance transfers. After the introductory period, the APR will be between 12.99%-22.99%* (Variable) and is based on your creditworthiness. In addition, this card gives 5% cash back in rotating categories and as a bonus you will earn $100 cash back when you spend $500 within the first 3 months.