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Best 0% APR Credit Cards Offers 0% Intro APR Credit Cards.
Know How to Play the Game of Balance Transfer.

A balance transfer credit card is basically an offer of either a 0% interest rate or very low interest rate for a set period. The typical period is 6 months although there are variations on this and there have even been some low rates set for the lifetime of the balance. However, these are becoming rare. Once, the offer period expires then the outstanding balance reverts to the standard rate on purchases. This is very important, as at this point the credit card company will hope the consumer will not take any action and so the company can begin to earn money on the balance.
A 0% purchase offer credit card has many similarities to the balance transfer offers. The introductory rate and period are usually 0% and 6 months in the same way as the balance transfer. Also, once the period expires the outstanding balance is subject to the standard rate on purchases. It is an important point to note that the introductory rate does not apply indefinitely on purchases made in the period, but only applies for the duration of the introductory period.

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0% Intro APR Credit Cards for Fair and Good Credit



Chase Freedom Credit Card

Chase Freedom Credit Card
Terms | More Info

Choose Points. Choose Cash Back.

Card that gives you triple rewards where you spend the most.
    Instant Approval
  • Receive $50 after you make your first purchase
  • 3% Cashback in top 3 everyday spending categories
  • 1% Cashback for every $1 in all other categories
  • Freedom to Switch!
  • More Categories!
  • More Cash!
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: N/A
Intro Period: N/A
Regular APR: as low as 14.99% 		Credit Limit: up to $15,000
Annual Fee: $0
Credit Needed: Fair Credit


Clear from American Express

Clear from American Express
Terms | More Info

Instant Approval
 Clear has absolutely no fees. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees. No fees of any kind.
  • NO fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees
  • Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500
  • Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours
  • World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection
  • Express Approval. Get a decision in less than 60 seconds.
  • No annual fee and 0% intro APR for up to 12 months
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 12 months
Regular APR: as low as 11.24% 		Credit Limit: up to $25,000
Annual Fee: $0
Credit Needed: Fair Credit


Blue from American Express

Blue from American Express
Terms | More Info

Instant Approval

Earn one point for ever dollar you spend
with Blue from American Express

  • 0% APR on purchases for up to 15 months.
  • Membership Rewards Express program.
  • Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
  • Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
  • Express Approval. Get a decision in less than 60 seconds.
  • No Annual Fee.
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: up to 15 months
Regular APR: as low as 10.24% 		Credit Limit: up to $25,000
Annual Fee: $0
Credit Needed: Fair Credit


Money Return Visa Platinum

Money Return Visa Platinum
Terms | More Info

Instant Approval
  • Get back 10% of your yearly interest charges
  • 0% APR on BT and cash advance checks for 6 months
  • Online Banking Service
  • Total Security Protection
  • Mini Card available
  • Card issued by FIA Card Services, NA.
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 11.24% 		Credit Limit: up to $25,000
Annual Fee: $19
Credit Needed: Fair Credit


Miles by Discover Card

Miles by Discover Card
Terms | More Info

Instant Approval

12,000 Bonus Miles

  • 0% Intro APR*
  • Double Miles on travel and restaurant purchases $3,000 each year
  • 1 Mile for every $1 you spend on all your other purchases
  • Unlimited Miles that never expire as long as you use your card
  • Travel without restrictions
  • Book it through any airline, travel agent or online site
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 10.74% 		Credit Limit: up to $15,000
Annual Fee: $0
Credit Needed: Good Credit


Discover Open Road Card

Discover Open Road Card
Terms | More Info

Instant Approval

Boost Your Gas Mileage!
Perfect Credit Card for People
Spending Lots of Money on Gas.

  • Save at the pump and everywhere else*
  • 5% Cashback Bonus on gas and auto maintenance
  • 5% to 20% Cashback Bonus at top online retailers*
  • 1% Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Online Account Access
  • No Annual Fee
  • 0% Intro APR
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: up to 12 months
Regular APR: as low as 10.74% 		Credit Limit: up to $15,000
Annual Fee: $0
Credit Needed: Fair Credit


Financial Rewards Visa Platinum Plus

Financial Rewards Visa Platinum Plus
Terms | More Info

Instant Approval
  • 0% Intro APR*
  • Get cash back on net retail purchases
    as much as $600 per year
  • Online Banking service*
  • Total Security Protection
  • No annual fee
  • Card issued by FIA Card Services, NA.
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 11.24% 		Credit Limit: up to $25,000
Annual Fee: $0
Credit Needed: Fair Credit


WorldPoints Platinum Plus MasterCard

WorldPoints Platinum Plus MasterCard
Terms | More Info

Instant Approval
  • 0% Intro Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
  • Earn 1 Point for every dollar you spend in net retail purchases.*
  • Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
  • Free 24/7 Concierge Service
  • Absolute Fraud Protection
  • No Annual Fee
  • Card issued by FIA Card Services, NA.


MilesEdge Card

MilesEdge Card
Terms | More Info

Instant Approval
 Whether you are a frequent flier or a leisure traveler
MilesEdge card is for you
  • Earn 1 point for every $1 in purchases
  • Receive 1,000 bonus points after your first purchase
  • Earn points toward worldwide travel and related rewards
    beginning at 10,000 points - airline travel w/o blackout dates, admission to theme parks and attractions, hotel stays, car rental, retail, dining and entertainment certificates and more
  • 0% Intro APR on purchases and BT for 6 months.
  • Mini Card available
  • Card issued by FIA Card Services, NA.
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 10.24% 		Credit Limit: up to $25,000
Annual Fee: $19
Credit Needed: Fair Credit


Chase Visa Platinum Card

Chase Visa Platinum Card
Terms | More Info

Apply Now 		Great Rates. Full Platinum Privileges. Apply Now for the Chase Platinum Visa card with no annual fee. Consolidate your high interest credit card bills and save with great low rates. Transfer the balances from your higher interest rate accounts to your new Chase Platinum Visa Card and save money while receiving the Platinum privileges you deserve.
    Instant Approval
  • 0% Intro APR for up to 12 months*
  • No Annual Fee
  • FREE Online Account Access
  • FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: up to 12 months
Regular APR: as low as 10.99% 		Credit Limit: up to $15,000
Annual Fee: $0
Credit Needed: Fair Credit


Chase Flexible Rewards Platinum Visa

Chase Flexible Rewards Platinum Visa
Terms | More Info

Apply Now 		Why settle for a rewards credit card that limits your choice of rewards? With the Flexible Rewards Platinum Visa card, you can earn 1 point for every dollar spent* and turn everyday purchases into extraordinary rewards.
    Instant Approval
  • Earn airline tickets, hotel stays or car rentals
  • Earn 1 point for every dollar spent*
  • 0% introductory APR for up to 12 months*
  • The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
  • No Annual Fee
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: up to 12 months
Regular APR: as low as 10.99% 		Credit Limit: up to $15,000
Annual Fee: $0
Credit Needed: Fair Credit


IN:NYC Card from American Express

IN:NYC Card from American Express
Terms | More Info

Instant Approval
 Rewards start as low as 2,000 points and there is no expiration date or limit to how many points you can earn. You can even share points with friends or family by transferring points to another IN:NYC Cardmember account--it's a quick way to get your next outing.
  • Earn one INSIDE Rewards point for virtually every $1 you spend, whether you're in New York City or not.
  • Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York.
  • 0% APR for 6 months
  • No Annual Fee
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 9.24% 		Credit Limit: up to $25,000
Annual Fee: $0
Credit Needed: Fair Credit


IN:LA Card from American Express

IN:LA Card from American Express
Terms | More Info

Instant Approval
 Transferring balances from higher-rate credit cards, department store cards, and loans to your IN:LA Card can help you save money on interest, reduce your monthly payments, and make one convenient payment.
  • Earn one INSIDE Rewards point for virtually every $1 you spend, whether you're in Los Angeles or not.
  • Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York.
  • 0% APR for 6 months
  • No Annual Fee
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 9.24% 		Credit Limit: up to $25,000
Annual Fee: $0
Credit Needed: Fair Credit


IN:CHICAGO Card from American Express

IN:Chicago Card from American Express
Terms | More Info

Instant Approval
 The IN:CHICAGO Card comes with a rewards program that lets you eat, drink, and play at some of Chicago’s top spots. The Card comes with the exceptional benefits and features you expect from American Express.
  • Earn one INSIDE Rewards point for virtually every $1 you spend, whether you're in Chicago or not.
  • Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
  • Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
  • 0% APR for 6 months
  • No Annual Fee
   Credit Card Fees, Rates, Costs and Limitations
  Intro APR: 0%
Intro Period: 6 months
Regular APR: as low as 9.24% 		Credit Limit: up to $25,000
Annual Fee: $0
Credit Needed: Fair Credit



* See Credit Card Terms and Conditions for Rates, Fees, Rewards and Other Important Information.



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