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0% Intro APR Cards

9% intro APR cards offer attractive low introductory rates from our partners for those who plan to transfer or carry balances for a short period of time. Browse 0% intro APR credit cards from our partners below:

Advertiser Disclosure

  • Regular Purchase APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 2% above variable APR; 12.49% to 20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else
  • No annual fee
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR:
  •  Balance Transfer APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: None
  •  Cash Advance APR: 2% above variable APR; 12.49% to 20% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: None
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $20
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good , Fair

  • Regular Purchase APR 10.99%% to 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 6 months
  • Balance Transfer APR 10.99%% to 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • 0% introductory Purchase APR for 6 months
  • Zero liability for unauthorized purchases, including online expenditures
  • No annual fee
  • Benefits include Visa Travel & Emergency Assistance and Visa Auto Rental Collision Damage Waiver
Rates & Fees
  •  Intro Purchase APR: 0% for 6 months
  •  Regular Purchase APR: 10.99%% to 21.99% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR:
  •  Balance Transfer APR: 10.99%% to 21.99% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 25.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  •  Penalty APR:
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $49
  •  Return Payment Penalty Fee: None
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent

  • Regular Purchase APR 11.49% to 21.49% variable based on creditworthiness
  • Intro Purchase APR 0% for 15 months from account opening
  • Balance Transfer APR 11.49% to 21.49% variable based on creditworthiness
  • Cash Advance APR 24.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
  • 0% intro APR on purchases and balance transfers for 12 months
  • Low regular APR on purchases
  • No annual fee
Rates & Fees
  •  Intro Purchase APR: 0% for 15 months from account opening
  •  Regular Purchase APR: 11.49% to 21.49% variable based on creditworthiness
  •  Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening
  •  Balance Transfer APR: 11.49% to 21.49% variable based on creditworthiness
  •  Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
  •  Cash Advance APR: 24.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 30.49% variable based on the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  •  Return Payment Penalty Fee: Up to $38
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Good , Fair

  • Regular Purchase APR 11.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for the first 15 months from date of account opening
  • Balance Transfer APR 11.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 0% introductory APR on purchases and balance transfers for 15 months from account opening date
  • Low regular APR on purchases and balance transfers after promotional rate expires
  • No annual fee
  • Temporary lock feature lets you freeze your card and prevent fraudulent activity if it gets lost or stolen
Rates & Fees
  •  Intro Purchase APR: 0% for the first 15 months from date of account opening
  •  Regular Purchase APR: 11.49% to 21.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from date of account opening
  •  Balance Transfer APR: 11.49% to 21.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 25.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  •  Penalty APR:
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: UP to $39
  •  Return Payment Penalty Fee:
  •  Over Limit Penalty Fee: $10 for each overdraft protection
  •  Minimum Deposit Required:
  •  Credit Needed: Good , Fair

  • Regular Purchase APR 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening date
  • Balance Transfer APR 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • No foreign transaction fees
  • Global acceptance and chip technology for added security
  • Additional cards for employees at no added cost
Rates & Fees
  •  Intro Purchase APR: 0% for 12 months from account opening date
  •  Regular Purchase APR: 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 23.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 24.99% variable based on the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $25
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening date
  • Balance Transfer APR 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • Ability to pay with Apple Pay®, Google Pay™ or Samsung Pay
  • Low APR after 0% introductory period ends
Rates & Fees
  •  Intro Purchase APR: 0% for 12 months from account opening date
  •  Regular Purchase APR: 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.74 and 18.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 23.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 24.99% variable based on the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $25
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.74%, 16.74%, or 21.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 9 months from account opening date
  • Balance Transfer APR 11.74%, 16.74%, or 21.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases for the first 9 months from date of account opening
  • Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
  • Save 1% – 25% at qualifying merchants. Use your card for eligible purchases and get automatic rebates at over 40,000 participating locations, including gas, hotels, rental cars, restaurants, office supplies and other business services
Rates & Fees
  •  Intro Purchase APR: 0% for 9 months from account opening date
  •  Regular Purchase APR: 11.74%, 16.74%, or 21.74% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening date
  •  Balance Transfer APR: 11.74%, 16.74%, or 21.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 25.99% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $39
  •  Return Payment Penalty Fee: $35
  •  Over Limit Penalty Fee: $39
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 6 months from account opening date
  • Balance Transfer APR 12.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 0% introductory APR for 6 months on purchases and balance transfers
  • No annual fee
  • Generous credit lines offered
  • Lost or stolen reporting available 24/7
Rates & Fees
  •  Intro Purchase APR: 0% for 6 months from account opening date
  •  Regular Purchase APR: 12.49% to 22.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 6 months on transfers made within 60 days from account opening date
  •  Balance Transfer APR: 12.49% to 22.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 25.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 4% (3% on convenience check cash advances) of the amount of each cash advance, whichever is greater
  •  Penalty APR: Up to 29.99% variable based on the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: None
  •  Over Limit Penalty Fee: $39 per cycle
  •  Minimum Deposit Required:
  •  Credit Needed: Good , Fair

  • Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 9 months from account opening date
  • Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2 Real Life Rewards® points for each $1 spent at restaurants, office supply stores, and on utilities
  • Earn 1 point for each $1 spent on all other purchases
  • 0% intro APR on purchases and balance transfers for the first 9 billing cycles from account opening
  • No annual fee
Rates & Fees
  •  Intro Purchase APR: 0% for 9 months from account opening date
  •  Regular Purchase APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 9 months from account opening date
  •  Balance Transfer APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 24.99% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 29.99% variable based on the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $39
  •  Return Payment Penalty Fee: $39
  •  Over Limit Penalty Fee: $39
  •  Minimum Deposit Required:
  •  Credit Needed: Good

  • Regular Purchase APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR 0% for the first 18 months from account opening
  • Balance Transfer APR 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Take advantage of 0% introductory APR for the first 18 months as a cardmember
  • Travel prepared and with peace of mind thanks to MasterAssist® pre-planning and Master RoadAssist® Roadside Services
  • Extended Warranty and Purchase Assurance® means you can shop with confidence
  • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase.
Rates & Fees
  •  Intro Purchase APR: 0% for the first 18 months from account opening
  •  Regular Purchase APR: 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 18 months on transfers that post within 60 days from account opening
  •  Balance Transfer APR: 12.49%, 16.49%, or 20.49% variable based on creditworthiness and Prime Rate
  •  Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  •  Cash Advance APR: 26.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
  •  Penalty APR:
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.