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0%
Introductory Offer Credit Cards
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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.
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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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.)
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*
Variable Rate means credit card interest rate changes
in line with federal interest rates or other rate index.
Fixed Rate means credit card rate stays the same regardless
of changes in federal rates, but still may be changed
by credit card issuer in the future.
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See
also: Low
APR Credit Cards - Ongoing, 0%
Balance Transfer Credit Cards
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