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0% Introductory Offer Credit Cards

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.)

TOP PICKS
Citi Platinum Select MasterCard
Citi Platinum Select MasterCard


  • 0% APR for up to 12 months
  • Interest Rate: 11.99%-19.99% variable rate
  • Balance Transfer Rate: 0% for up to 12 months

Apply Now
 
Chase Freedom Card
Chase FreedomSM Card


  • 3% bonus cash back in popular categories
  • 1% cash bank on everything else
  • 0% Intro APR and no Annual Fee

Apply Now
 
Discover® Monogram Card
Discover® Monogram Card**


  • 0% APR for 6 months
  • Interest Rate: 11.99% - 19.99% variable rate
  • Balance Transfer Rate: 0% for 6 months

Apply Now
  • Citi Platinum Select MasterCard - Introductory APR: 0% for up to 12 months. Ongoing Interest Rate: 11.99%, or 15.99%, or 19.99% variable rate*. Balance Transfer Rate: 0% for up to 12 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

  • Chase FreedomSM Card - Introductory APR: 0%*. Introductory Length: 12 months on balance transfers; 6 months on Purchases. Ongoing APR: As low as 12.99% Variable. Balance Transfer Length: 5% ($10 minimum). Balance Transfer Fee: 5% ($10 minimum). Annual Fee: None. Also: 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores || Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn || Up to an additional 20% cash back at select merchants when you shop online through Chase || 0% Intro APR and No Annual Fee (click for all terms and conditions.)

  • SlateSM from Chase - Introductory APR: 0%*. Introductory Length: Up to 12 months*. Ongoing APR: As low as 13.24% Variable. Balance Transfer Length: 3%. Balance Transfer Fee: 3% ($5 minimum). Annual Fee: None. Also: Now with BlueprintSM || 0% intro APR || Patented Fraud Protection || Zero Liability on Unauthorized Purchases (click for all terms and conditions.)

  • Ink CashSM Business Card - Introductory APR: 0%. Introductory Length: 6 months. Ongoing APR: 11.24 - 17.24% V. Balance Transfer Length: 3%. Balance Transfer Fee: 3% ($5 minimum). Annual Fee: None. Also: 3% cash back at gas stations, restaurants, office supply and home improvement stores || 1% cash back on everything else - unlimited || Rewards can be redeemed for checks in increments of $50 || Customized credit line to meet the needs of your business (click for all terms and conditions.)

  • Ink BoldSM with Ultimate RewardsSM - Introductory APR: N/A. Introductory Length: N/A. Ongoing APR: N/A. Balance Transfer Length: N/A. Balance Transfer Fee: N/A. Annual Fee: None first year. After that, $95.00.. Also: No Interest Charges – so you pay your balance in full each month || Flexible Spend Capacity designed to adjust with your business needs || Automatic Enrollment in Ultimate Rewards || No Dollar Goes Unrewarded - there are no caps and points never expire (click for all terms and conditions.)

  • Discover® Monogram Card** - Introductory APR: 0% for 6 months. Ongoing Interest Rate: As low as 11.99%-19.99% variable rate*. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Slate® Monogram Card** - Introductory APR: 0% for 6 months. Ongoing Interest Rate: As low as 11.99%-19.99% 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)** - Ongoing Interest Rate: As low as 11.99%, as high as 19.99% variable rate*. Introductory APR: 0% for 6 months on purchases. Balance Transfer Rate: 0% for 12 months, 5% balance transfer fee applies. Annual Fee: None. Also: Offers 5% Cashback Bonus in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more; earn up to a 1% Cashback Bonus on all other purchases. (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 19.99% 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 7 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 7 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 19.99% 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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* variable rate = credit card interest rate changes in line with federal interest rates or other rate index; fixed rate = credit card rate stays the same regardless of changes in federal rates, but still may be changed by credit card issuer in the future.

** See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Discover's website.

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