0% Intro APR Credit Cards
You can choose another credit card type from the menu bar on the left or browse through the full selection of our best 0% Intro APR credit cards below. Find information to compare fees, bonuses, and other card features, in the more info section of each card.
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
Features:
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Air Miles
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Air Miles
Features:
- 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR
*View rates, fees, rewards and other important information.
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: Prime + 11.99% (Currently 15.24%)
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $15-$39
Overlimit Fee: $29.00
Reward Program: Up to 3% Cash Back
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: Prime + 11.99% (Currently 15.24%)
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $15-$39
Overlimit Fee: $29.00
Reward Program: Up to 3% Cash Back
Features:
- Earn cash back on gas and a $25 statement credit with your first made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
Features:
- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Starwood Preferred Guest® Credit Card
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
Summary:
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 11.99% (Currently 15.24%)
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Returned Check Fee: $38.00
Late Fee: $15-$39
Overlimit Fee: $35.00
Reward Program: Starpoints
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 11.99% (Currently 15.24%)
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Returned Check Fee: $38.00
Late Fee: $15-$39
Overlimit Fee: $35.00
Reward Program: Starpoints
Features:
- Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
See Card Terms and Conditions
Discover® Student Card
Easy online account options that put you in control
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 13.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-20%* Cashback Bonus®
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 13.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-20%* Cashback Bonus®
Features:
- 0% Interest* on Purchases for 6 Months
- 5% to 20% Cashback Bonus® at top online retailers*
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.