Credit cards offering 0% introductory periods, ranked by length of introductory offer. Ongoing interest rates, balance transfer rates, and annual fees factored in when introductory rate terms are equivalent. (NOTE: Credit card rates change fairly regularly -- check the terms and conditions of each card to be sure the interest rates shown here are accurate.)

• Citi Platinum Select MasterCard - Introductory APR: 0% for 6 months. Ongoing Interest Rate: 11.99%, or 15.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Citi Forward(SM) Card - Introductory APR: 0% for 6 months. Ongoing Interest Rate: As low as 14.24% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

• Discover® Monogram Card** - Introductory APR: 0% for 6 months. Ongoing Interest Rate: As low as 11.99%-18.99% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

• American Kennel Club Rewards Visa (AKC Credit Card) - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 9.24%, or 13.24%, or 18.24% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Discover® More(SM) Card (formerly Discover Platinum)** - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 11.99%, as high as 18.99% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. Also: Offers Cashback Bonus program in which a percentage of your purchases are rebated back to you. (click for all terms and conditions.)

• Miles by Discover® Card** - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 11.99%, as high as 18.99% variable rate*. Balance Transfer Rate: 0% for first 6 months, then same as ongoing. Annual Fee: None. Also: Earn one mile for each dollar you spend, redeem miles for airline tickets from most major airlines; also includes option to choose cash back or gift cards. (click for all terms and conditions.)

• Citi Forward Card - Introductory APR: 0% for 6 months. Ongoing Interest Rate: Starts at 14.24% variable rate, but you can reduce the interest rate by .25 points every 3 months when you use the card, pay on time, and stay under the credit limit. Total reduction can be a maximum 2%, leading to an interest rate as low as 12.24% over time. Balance Transfer Rate: 0% for 6 months, then same as standard rate. Annual Fee: None. Also: Earn 5 reward points for every $1 you spend on books, movies, music and at restaurants; earn 1 reward point for every $1 you spend on other purchases. (click for all terms & conditions.)

• Discover® Open Road(SM) Card (formerly Discover Gas Card)** - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 11.99%, as high as 18.99% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. Also: Earn a full 5% Cashback Bonus on gas purchases and auto maintenance purchases, and an up to 1% Cashback Bonus on all other purchases. (click for all terms and conditions.)

• WNBA Credit Card from Discover** - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 11.99%, as high as 18.99% variable rate*. Balance Transfer Rate: 0% for first 12 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

• Experimental Aircraft Association Credit Card - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: As low as 9.24%, as high as 18.24% variable rate*. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Children's Wish Foundation Select Rewards Visa - Introductory APR: 0% for 6 months. Ongoing Interest Rate: As low as 9.24%, as high as 18.24% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• United States Equestrian Federation USEF Credit Card - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: As low as 9.24%, as high as 18.24% variable rate*. Balance Transfer Rate: 0% for 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Volkswagen Platinum Visa Card with Rewards (Volkswagen Credit Card) - Introductory APR: 0% for 6 months. Ongoing Interest Rate: 10.24%, or 14.24%, or 18.24% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Subaru Platinum MasterCard - Introductory APR: 0% for 6 months. Ongoing Interest Rate: 10.24%, or 14.24%, or 18.24% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

See also: Low Interest Credit Cards, 0% Balance Transfer Credit Cards

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