Compare the Best 0% Intro APR Credit Cards

0% intro APR credit cards provide a lot of flexibility, but finding the right one doesn’t have to be a hassle. BestCards.com has a wide selection of 0% intro APR credit cards from lenders. Browse offers below.

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Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card

Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
  • Regular Purchase APR 12.99% variable based on the Prime Rate
  • Cash Advance APR 18.99% variable based on the Prime Rate
  • Annual Fee $49
  • Credit Needed Poor , No Credit Required
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Full-Feature Platinum Mastercard* Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels: Anywhere Credit Cards Are Accepted!
  • 24/7 Online Access to Your Account
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.99% variable based on the Prime Rate
  • Cash Advance APR: 18.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $49
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America® Unlimited Cash Rewards Credit Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 16.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 15 months on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months for transactions made within 60 days of account opening
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 16.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99%
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
Credit Card Deals
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

Ollo Optimum Mastercard

Ollo Optimum Mastercard
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 24.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for the first 15 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Unlimited 2.5% cash back on all purchases
  • 0% introductory APR on purchases for 15 months from account opening
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months
  • Balance Transfer APR: 24.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either 4% or $5, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% or $10, whichever is greater
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

Chase Slate Edge

Chase Slate Edge
  • Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 23.74% 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 , Fair
  • Intro Purchase APR 0% for the first 12 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary
  • Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months
  • 0% introductory APR on purchases and balance transfers for 12 months from account opening
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months
  • Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months
  • Balance Transfer APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greate
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.995 variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

Wells Fargo Active Cash Card

Wells Fargo Active Cash Card
  • Regular Purchase APR 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99%, 19.99%, or 24.99% 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
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% APR for 15 months on balance transfers and purchases
  • Earn unlimited 2% cash back on all eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
card
Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

Citi Custom Cash Card

Citi Custom Cash Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% cash back thereafter
  • Earn 1% back on all other purchases
  • Earn $200 cash back after you spend $750 on purchases in the first 3 months of account opening
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 25.24% 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: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

Laurel Road Student Loan Cashback℠ Card

Laurel Road Student Loan Cashback℠ Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months on balance transfers
  • 2% cash back on all purchases when applying rewards to student loans
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
  • Late Payment Penalty Fee: Up to $39
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

State Farm Business Cash Rewards Visa Signature® Card

State Farm Business Cash Rewards Visa Signature® Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% 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
  • Intro Purchase APR 0% for 12 months
  • Processing Network Visa
Best Benefits
  • 3% cash back on insurance premium payments, up to $4,000 spent annually
  • 3% cash back at gas stations, cell phone service providers, office supply stores and on dining
  • $100 annual software subscription credit
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Penalty APR: 28.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of each foreign transaction
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
  • Over Limit Penalty Fee: $40
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
card
Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

State Farm® Good Neighbor Visa®

State Farm® Good Neighbor Visa®
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% 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
  • Intro Purchase APR 0% for 12 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases and balance transfers for the first 12 months
  • Up to $600 in cell phone protection
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Foreign Transaction Fee: 3% of each foreign transaction
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
card
Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

TD Double Up Card

TD Double Up Card
  • Regular Purchase APR 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn up to 2% cash back on all purchases
  • 0% APR for 15 months on balance transfers
Rates & Fees
  • Regular Purchase APR: 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
card
Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

What Are 0% Intro APR Credit Cards?

A 0% intro APR credit card is quite simply a card that offers an introductory interest rate of 0%. This rate applies to purchases, balances transfers, or both. A card with a 0% APR is as popular as balance transfer credit cards. This is especially true when they feature a low APR once the introductory period finishes.

How Do 0% Intro APR Credit Cards Work?

Zero-percent introductory APR credit cards work by allowing the cardholder to carry a balance for a set period. These periods can vary significantly, from three months at the bottom of the range all the way up to a massive 21 months at the top end.

Cards that offer a 0% intro APR on balance transfers or purchases designed to attract those who want to pay off their existing credit card balances. This process works by combining two (or more) credit card balances into one. The cardholder can then pay down both balances with one payment.

Cards that offer smaller introductory periods are great for those with lower balances. Those with more significant balances – or those who want to finance a substantial purchase – will benefit more from a card that offers a year (or more) of introductory APR.

Are 0% Introductory APR Credit Cards Worth It?

Credit cards offering 0% interest on purchases and balance transfers can greatly benefit consumers if they’re used properly. Not having to worry about any interest for six to 18 months can help cardholders hoping to make a big-ticket purchase they can easily pay it off over time. Plus, if an emergency were to happen such as a needed auto repair or a medical emergency an interest-free credit card can ease the burden of a big bill into multiple payments.

Cardholders who have multiple credit cards with stacking up balances and spiraling interest rates can use a balance transfer card to consolidate all their debts onto a single card, which they can pay off without having to worry about interest for an extended period. They’ll have to pay a fee for each time they transfer a balance, but there’s a good chance these balance transfer fees will be less than the interest cardholders would have accrued had they tried paying off each card individually.

The benefits of 0% Introductory APR credit cards aren’t just limited to the lack of interest rate. It’s not uncommon to find a credit card offer that gives cardholders extra perks such as rewards points, cash back, or travel insurance.

Related Article: Credit Card Basics: 0% Introductory APR Credit Cards 

What Is the Impact of Credit Card Interest Fees?

Interest charges are the fees you pay to credit card companies for carrying a balance on your account. Think of interest as to how the credit card company makes its money. One of the reasons why people love 0% intro APR credit cards so much is because you don’t have to worry about interest charges for a set period. This allows you to avoid interest – and spending extra money.

Once the 0% APR window closes; however, interest payments begin. What is the negative impact of high-interest rates?

  • High interest means more significant payments
  • Minimum payments are much higher
  • It takes longer to repay the credit card debt

Average Credit Card Interest Rates

The cost of your interest payments relates directly to a person’s credit score and the type of credit card they have. Rewards cards, such as cash back credit cardstravel rewards cardsairline cardshotel cards, gas rewards cards, etc. have higher APRs than credit cards that offer no rewards.

What is the average credit card interest rate? As mentioned, that depends on the type of card. The average APR for a rewards credit card is currently approximately 16.49%, for instance. Cash back rewards cards have an APR almost a full-point lower than that, while airline rewards cards have an APR slightly higher.

Low APR credit cards, such as balance transfer credit cards and credit union cards, typically fall between the 10% and 14% range. Low APR cards have average rates of around 14.39%, while credit unions cards can even dip below 10%.

Better Credit Scores Get Better Rates

The higher your credit score, the better the APR offer you’ll receive. Those with excellent credit scores enjoy interest rates far below what those with fair credit scores can expect.

The average APR for someone with an excellent credit score is currently around 15.8%. In contrast, those with good credit scores get rates slightly lower – 15.7%. The lower your credit score, the higher rates climb. Average credit scores can expect an APR in the mid-20s (24.45%).

Better credit scores also mean longer intro APR periods on things like purchases and balance transfers. Some cards may offer excellent credit score 0% APR for 15 months on purchases or balance transfers, for example.

Keep in mind, however, that transfers must be completed within a set window and do not include fees. Balance transfer fees typically range around $5 or 3% of the amount of each transfer, whichever is greater.

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What to Look for in a 0% APR Credit Card

Before you apply, do you know what to look for in a 0% introductory APR credit card? Here are a few features on which you should keep an eye:

  • Length of Interest-Free Introductory Period: How long is the 0% APR period? Understanding exactly how long your interest-free period runs is vital to getting the right credit card for your needs. If you have a small balance to pay down, a card with six months interest-free is probably enough. The larger your balance, the longer the introductory APR you’ll need.
  • Those with a big balance should look for a card with 0% APR for 18 months on balance transfers. Those looking to make a significant purchase should consider cash rewards credit card that provides 0% intro APR financing for 18 months on purchases.
  • What Transactions Apply? Does the introductory period apply to balance transfers? Purchases? Does it apply to both? Before applying for a credit card, make sure you understand what is covered.
  • Regular APR: Pay close attention to the interest rate on your credit card offer. Rates usually vary depending on your credit score. Only a few credit cards offer fixed rates, though even fewer of these offer 0% intro APR. Before finishing your application, always study the rates to ensure you can afford to carry a balance once the introductory period ends.
  • Annual Fee: Does the card have an annual fee? Most 0% APR cards don’t feature a yearly fee, but some rewards card may – be careful.
  • Rewards: Many rewards credit cards come with an introductory APR bonus offer, including 0% introductory APR. These periods encourage new cardholders to spend with the card, earning rewards.

0% Intro APR Credit Card FAQs

Many questions pop up when considering a credit card with no-interest promotional periods. Here are a few of the most asked questions about 0%introductory interest rate credit cards:

  • Low APR credit cards feature a lower-than-average interest rate every day. Zero-percent APR cards, on the other hand, start at an excellent rate. While 0% is great, the standard variable APR may be several points (or more) above what low-interest credit cards charge.
  • The length of the introductory interest-free period varies with each card offer and card issuer. Some credit card companies offer up to 20 months – or more – on 0% intro APR, while others might offer six months, nine months, or more. On average, 0% intro periods last approximately 12 months.
  • No. Some credit cards offer no balance transfer fees and no-interest. These types of cards are the perfect balance transfer card as you can pay down existing card balances with no hidden fees. Other cards, however, may charge a fee or only offer no interest on purchases.
  • Yes. These cards aren’t like traditional credit cards, as they only work at one online retailer. The Group One Platinum Card offers an unsecured line of credit to use at the Horizon Outlet. Neither card has a purchase APR, meaning hey are interest-free.
  • Closing credit card accounts is never a good idea if you can avoid it. When you close down a credit card account, your credit score suffers. The reason behind this is because your average age of credit drops – sometimes by several years. Instead, try one of the following:
  • Keep the account open and don’t spend on the card unless necessary.
  • If the card has an annual fee, try downgrading to a no annual fee version.
  • Use the card as you usually would, but avoid big purchases and make your monthly payment in full to avoid being charged interest. This will also help save money and prevent penalty APR.
  • Most credit cards that offer 0% intro APR and have an annual fee are rewards cards. Because of this, they make excellent options for everyday use. Rewards cards earn rewards points at places like grocery stores, airlines, hotels, and other locations.

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Other Options to Consider

For those with considerable credit card debts, 0% intro APR cards might not offer enough payment flexibility. The average credit card debt in the United States is currently $8,400. While possible to repay some of that debt during a 0% APR window, unless you receive a 21 months offer, it probably isn’t enough time.

For those struggling to repay more significant debts, non-traditional credit cards, like the Upgrade Card, make the most sense. The Upgrade Card offers the benefits of a traditional credit card and the great rates of a personal bank loan.

Cardholders receive a generous credit limit of up to 20,000, which they can use to pay down balances over a set period of 12. 24, 26, or even 60 months. They also receive lower-than-average rates, with those with excellent credit scores enjoying an APR starting as low as 6.99%.

While the Upgrade Card doesn’t feature an intro APR, the low rates make it perfect for paying down balances without additional headaches. In fact, studies show that using the card vs. a traditional credit card to pay off a $10,000 debt saves over $12,000 in interest! Plus, they can pay off that balance in two years, rather than 28 – just by making their minimum payments.

Find the Best 0% Intro APR Credit Cards

Have a small credit card balance you want to pay down? BestCards has you covered. We have over 900 reviews of credit cards from issuers across the United States. Browse our reviews, use our custom comparison tool, and take advantage of our extensive credit card resources and advice. Get started and find your best card today!

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