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.) Last Updated: July 22, 2008.

• Blue from American Express - Introductory APR: 0% for 15 months, or 12 months, or 6 months, depending on your credit history. Ongoing Interest Rate: 8.99%, or 10.99%, or 13.99%, or 15.99% variable rate*. Balance Transfer Rate: 4.99% for life of balance on transfers with initial application, then same as ongoing rate. Annual Fee: None. Also: Offers Membership Rewards Express program that earns points for free merchandise, travel, more. (click for all terms & conditions.)

• Citi Professional Cash Card - Introductory APR: 0% for 12 months. Ongoing Interest Rate: 9.99% variable rate*. Balance Transfer Rate: Same as standard rate. Annual Fee: None. Also: Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1% cash back on all other purchases. (click for all terms & conditions.)

• Citi Professional Card - Introductory APR: 0% for 12 months. Ongoing Interest Rate: 10.99% variable rate*. Balance Transfer Rate: Same as standard rate. Annual Fee: None. Also: Earn 3 ThankYou points for every dollar spent on gas purchases, restaurant purchases, auto rentals and certain office supply merchants, and 1 point for every other $1 in purchases. Redeem points for merchandise, travel, gift cards, more. (click for all terms & conditions.)

• Blue Cash from American Express - Introductory APR: 0% for 12 months. Ongoing Interest Rate: 8.99%, or 11.99%, or 14.99% variable rate*. Balance Transfer Rate: 4.99% for life of the balance on transfers with initial application. Annual Fee: None. Also: Earn up to 5% cash back on purchases at supermarkets, gas stations and drug stores, and up to 1% everywhere else. (click for all terms & conditions.)

• Blue Sky from American Express - Introductory APR: 0% for 12 months. Ongoing Interest Rate: 8.99%, or 11.99%, or 14.99% variable rate*. Balance Transfer Rate: 4.99% for life of the balance on transfers with initial application. Annual Fee: None. Also: Earn 1 point for every dollar you spend; use points for cash savings up to the full cost of your airline and travel purchases. (click for all terms & conditions.)

• Citi Platinum Select MasterCard - Introductory APR: 0% for up to 12 months. Ongoing Interest Rate: 8.49%, or 12.49%, or 16.49% variable rate*. Balance Transfer Rate: 0% for up to 12 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Disney Rewards® Visa® Card from Chase - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 10.99% or 15.99% variable rate*. Balance Transfer Rate: 0% for 12 billing cycles, then same as ongoing. Annual Fee: None. Also: Disney credit card allows you to earn Disney Dream Reward Dollars on card purchases, redeem points toward Disney theme park tickets, Disney Cruise Line vacations, Disney DVDs, toys, books, tickets to Disney movies, as well as other Disney exclusive events and discounts. (click for all terms & conditions.)

• Capital One Card Lab - Introductory APR: "Build your own credit card" feature allows you to choose a 0% rate for up to 12 billing cycles. Ongoing Interest Rate: As low as 11.9% variable rate*. Balance Transfer Rate: 0% for up to 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• OneCause Visa Platinum - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 8.99%, or 12.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• optionsXpress Platinum Visa - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 8.99%, or 12.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• World Wildlife Fund Visa (WWF Credit Card) - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 8.99%, or 12.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Chase Flexible Rewards Platinum Visa® Card - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. Also: Earn one point for every dollar you spend on purchases. Redeem points for merchandise, travel, cash back, gift cards, more. (click for all terms & conditions.)

• Chase Platinum Visa® Card - Introductory APR: 0% for 12 billing cycles for Elite & Premium Pricing customers. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• American Kennel Club Rewards Visa (AKC Credit Card) - Introductory APR: 0% for 12 billing cycles. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Clear from American Express - Introductory APR: 0% for 12 months or 6 months depending on your credit history. Ongoing Interest Rate: 10.99%, or 12.99%, or 14.99% variable rate*. Balance Transfer Rate: 5.99% for the life of the balance on balances transferred with initial application. Annual Fee: None. (click for all terms & conditions.)

• Audi Visa Signature Credit Card - Introductory APR: 0% for 6 months. Ongoing Interest Rate: 11.99% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Discover More Card (formerly Discover Platinum) - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 10.99%, as high as 18.99% variable rate*. Balance Transfer Rate: 0% for first 12 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.)

• Discover Open Road Card (formerly Discover Gas Card) - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 10.99%, as high as 18.99% variable rate*. Balance Transfer Rate: 0% for first 12 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.)

• Miles Card by Discover - Introductory APR: 0% for first 6 billing periods. Ongoing APR: As low as 10.99%, 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.)

• Chase PerfectCard MasterCard® - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. Also: Earn a full 6% rebate on all gas purchases for 90 days, earn a full 3% afterward; earn a full 1% cash back on all other purchases. (click for all terms & conditions.)

• AARP Rewards Platinum Visa (AARP Credit Card) - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• American Medical Association Platinum Visa Credit Card - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• KISS Platinum Visa Card - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for first 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: 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.)

• Subaru Platinum 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.)

• Experimental Aircraft Association Credit Card - Introductory APR: 0% for 6 billing cycles. Ongoing Interest Rate: As low as 11.24%, as high as 20.24% 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 Visa Platinum - Introductory APR: 0% for 6 months. Ongoing Interest Rate: As low as 11.24%, as high as 20.24% 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 11.24%, as high as 20.24% variable rate*. Balance Transfer Rate: 0% for 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

See also: Low APR Credit Cards - Ongoing, 0% Balance Transfer Credit Cards

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