Credit Cards With 0% Intro. APR On Balance Transfers Or Purchases

Making purchases or paying on a balance is easier when you are not paying interest. Many card issuers are now offering 0% Introductory APR on Purchases and Balance Transfers. Some are even extending these offers well over 12 months. In addition, while getting this introductory APR many offer no annual fee, cash back, air miles, reward points and more! Applicants must have good credit or better to apply for these offers.

Offers have been sorted by:


Blue Cash Everyday ℠ Card from American Express

Rewards: Cash Back
For Good Credit
  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 12 months * $100 Bonus* 17.24% - 22.24% Variable* $0* Be the First
TrueEarnings® Card from Costco and American Express

Rewards: Cash Back
For Good Credit
  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 6 months * None 15.24% Variable* $0* Be the First
Blue Sky from American Express®

Rewards: Airlines
For Good Credit
  • 7,500 bonus points when you spend $1,000 within 3 months - redeemable for a $100 statement credit.
  • No annual fee.
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime.
  • Pay your bill all at once, or over time. It's up to you.
  • Blue Savings Program®: big deals on big brands, all the time.
  • Get a decision in as little as 60 seconds.

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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 12 months * 7,500 Bonus Points* 17.24% - 22.24% Variable* $0.00* Be the First
Discover® More® Card

Rewards: Cash Back
For Good Credit
 Apply now and receive a fast response!*
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 10.99% - 20.99% (V)* $0* 2 Reviews
Miles by Discover® Card

Rewards: Airlines
For Good Credit
  • Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months - up to 20,000 Bonus Miles
  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 15.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 12 months* None 10,000 Bonus Miles* 10.99% - 15.99% (V)* $0* Be the First
Discover® More® Card

Rewards: Cash Back
For Good Credit
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty -16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 6 months * None 10.99% - 20.99% (V)* $0* 1 Review
Chase Freedom® Visa

Rewards: Cash Back
For Excellent Credit
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase. No annual fee and rewards never expire
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * $100 Bonus* 12.99% - 22.99% Variable* $0.00* Be the First
Discover® Motiva Card

Rewards: Cash Back
For Good Credit
  • Earn Cashback Bonus® for your good credit management
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 10.99% - 20.99% (V)* $0* Be the First
Slate® from Chase

Rewards: None
For Excellent Credit
  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 11.99% - 21.99% Variable* $0* Be the First
Discover® Open Road Card

Rewards: Gas Stations
For Good Credit
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 10.99% - 19.99% (V)* $0* 1 Review
Citi Simplicity® Card

Rewards: None
For Good Credit
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 12.99% - 21.99% Variable* $0* Be the First
Citi® Platinum Select® Visa®

Rewards: None
For Good Credit
  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*

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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 11.99% - 21.99% Variable* $0* Be the First
Capital One® VentureOne (SM) Rewards Credit Card

Rewards: Airlines
For Excellent Credit
  • 1.25 miles per dollar on every purchase, every day and no annual fee
  • One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles don't expire
  • Fly on any airline, any time with no blackout dates
  • 0% intro APR on purchases until June 2013
  • No foreign transaction fees
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 06/2013 * 10,000 Bonus Miles* 11.90% - 19.90% (V)* $0.00* Be the First
Capital One® Platinum Prestige Credit Card

Rewards: None
For Excellent Credit
  • 0% intro APR until September 2013 on balance transfers
  • 0% intro APR until September 2013 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / until 09/2013*  0% / until 09/2013 * None 10.90% - 18.90% (V)* $0* Be the First
Citi® Diamond Preferred® Card

Rewards: None
For Good Credit
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 11.99% - 21.99% Variable* $0* Be the First
Citi Forward® Card

Rewards: Flexible
For Good Credit
  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 12 months*  0% / 7 months * 10,000 Bonus Points* 12.99% - 22.99% Variable* $0* Be the First
Capital One® Classic Platinum Credit Card

Rewards: None
For Average Credit
  • 0% intro APR on all purchases until March 2013
  • $0 Fraud Liability if your card is lost or stolen
  • Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 03/2013 * None 17.90% - 22.90% (V)* $39* Be the First
Citi® Dividend Platinum Select® Visa® Card

Rewards: Cash Back
For Good Credit
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 12 months*  0% / 12 months * $100 Bonus* 12.99% - 22.99% Variable* $0* 1 Review
Visa® Black Card

Rewards: Cash Back
For Excellent Credit
  • Limited membership
  • 24-hour concierge service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Luxury gifts
  • Accepted globally; zero liability protection against unauthorized purchases
  • Made with carbon, not just another piece of plastic
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months* None None 14.99% (V)* $495* Be the First
AT&T Universal Business Rewards Card

Rewards: Flexible Rewards
For Good Credit
  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
  • Additional cards for employees with credit limits you set
  • No Annual Fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 6 months * None 14.24% Variable* $0* Be the First
Capital One® Orbitz® Visa® Platinum

Rewards: Travel Rewards
For Excellent Credit
  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
  • Bonus points on eligible Orbitz.com bookings
  • No limit on the points you can earn and points don't expire
  • Redeem for travel, merchandise, gift cards and more
  • Earn travel quickly with low redemption minimums
  • 250 point refueling bonus when you redeem points for awards
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 06/2013 * None 13.90% - 19.90% (V)* $0.00* Be the First
Escape by Discover® Card

Rewards: Airlines
For Good Credit
  • Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 6 months*  0% / 6 months * 1,000 Bonus Miles* 10.99% - 16.99% (V)* $60* Be the First
MTV® Visa® Card From Capital One®

Rewards: Flexible
For Excellent Credit
  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Also, redeem for Travel, Merchandise, Gift Cards and more
  • 0% intro APR - pay no interest on purchases until June 2013
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 06/2013 * None 13.90% - 19.90% (V)* $0* Be the First
Sony Card from Capital One®

Rewards: Store
For Good Credit
  • 5 points per $1 on Sony purchases at authorized retailers
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, and more
  • Choose from 2 unique card designs
  • 0% intro APR on purchases until April 2013
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 04/2013 * None 13.90% - 24.90% (V)* $0* Be the First
LSU TigersTM Platinum MasterCard® from Capital One®

Rewards: Flexible
For Excellent Credit
  • 2 points per $1 on purchases at gas stations and major grocery stores
  • 1 point per $1 spent on all other purchases
  • No limit on the points you can earn and points don't expire
  • Redeem for travel, gift cards and merchandise
  • Choose from 2 unique LSU® card designs or create your own image card
  • 0% intro APR on purchases until June 2013
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 06/2013 * None 13.90% - 19.90% (V)* $0.00* Be the First
Citi ThankYou® Card

Rewards: Flexible Rewards
For Good Credit
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • Plus earn 1 ThankYou Point for every $1 you spend on purchases
  • Earn an anniversary bonus on points earned from purchases every year*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 12.99% - 22.99% Variable* $0* Be the First
Blue Cash Preferred ℠ Card from American Express

Rewards: Cash Back
For Good Credit
  • Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $75 Referral Bonus for each friend or family member who is approved for the Card
  • The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 12 months * $150 Bonus* 17.24% - 22.24% Variable* $75* Be the First

* See the online 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 the issuers website.