0% APR Credit Cards

Updated on May 13, 2008
Looking to consolidate your high interest balances onto a card with a 0% APR? You might want to consider one the offers below that have a 0% interest rate.

NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Sports *Earn RacePoints(SM) Every Time You Make a Purchase§ *Redeem Points for Exclusive NASCAR® Experiences and Collectibles *No Annual Fee *Free Online Account Access *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

The Platinum Business Credit Card Intro APR Issuer Annual FEE CardType 0.00% American Express $0 Business Option to Enroll in the Membership Rewards Express® Program Fee-Free There's No Limit to the Number of Points You Can Earn Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More 0% APR for the First 12 Months No Annual Fee No Annual Fee for Additional Cards Special Offer: 0% APR for 12 Months A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process or posted within 45 days. Introductory rate applies to purchases made using the card at physical locations. Important Notes: Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and will be 2.99%, 4.99%, 6.99% or 9.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Sports *Help Conservation Efforts - With Each Card Purchase, Bass Pro Shops and the National Fish and Wildlife Foundation Will Make a Contribution to Help Conservation Efforts, with a Guaranteed Yearly Contribution as High as $1.5 Million, at No Additional Cost to You *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: The rebate percentages earned through the reward program are based on a point system. This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

IberiaBank Visa® Gold Cash Back Rewards Card Intro APR Issuer Annual FEE CardType 0.00% IberiaBank $0 Reward - Cash 1% Cash Back on Everything You Buy From Day One No limit on Cash Back; No Expiration for the Life of Your Account 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles No Minimum to Redeem for Cash No Annual Membership Fee Special Offer: 0% APR for 6 Months The introductory rate is available on balance transfers submitted during the first three months. Important Notes: The APR for purchases and balance transfers varies according to the applicant's credit history and will be 0.99%, 1.99%, or 2.99% + Prime Rate. The APR for cash advances varies according to the applicant's credit history and will be 1.99%, 2.99%, or 3.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

NFL Extra Points™ Platinum Plus® Visa® Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Sports *Reward Yourself with a $50 NFLshop.com Gift Card after Your First Qualifying Transaction(s) Using Your NFL Extra Points™ Visa® Credit Card§ *No Annual Fee *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for NFL Merchandise, Tickets, and VIP Passes to NFL Experiences§§ *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *100% Fraud Protection *Online Account Access and Points Management Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

World Series of Poker® Visa® Card with WorldPoints® Rewards Intro APR Issuer Annual FEE CardType 0.00% FIA Card Services, N.A. $0 Reward - Sports *0% Introductory 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 *Redeem for WSOP Buy-Ins Including the Texas Hold'em World Championship *Redemption Options Include Travel With No Blackout Dates, Unlimited Cash-Back, Brand-Name Merchandise, or Gift Cards *No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Total Rewards® Platinum Plus® Credit Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Hotel *Earn 1 Reward Credit for Every $1 You Charge in Net Retail Purchases Anywhere - at the Grocery Store, Mall, Gas Station, Online, Even when You Pay Recurring Monthly Bills *These Reward Credits Will Be Added to Your Total Rewards Account Balance, which Can Also Be Earned by Your Gaming Play at Any Harrah's Operating Company Casino *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Wyndham Rewards MasterCard(SM) Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Hotel Earn 2 Points for Every $1 in Purchases Earn 13 Points for Every $1 Spent for Qualifying TripRewards® Hotel Stays Redeem Your Points for Hotel Stays, Dining, Shopping, and Auto Rentals No Annual Fee 24-Hour Online Access Absolute Fraud Protection Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. TripRewards® membership is free. Visit www.triprewards.com for more information on their program. See website for complete terms and conditions of card usage and application disclosure.

Advanta Platinum with Rewards Customized BusinessCard Intro APR Issuer Annual FEE CardType 0.00% Advanta $0 Business 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR Thereafter* 7.99% Variable APR on Purchases Choice of 5% Cash Back on Office Supplies, Gas and More* No Annual Fee and No Limit on Earnings Get Employee Cards with No Fee and Set Spending Limits Per User $0 Fraud Liability Personalized Card -- Your Company Name on The Card, Plus Your Logo or Other Image! *See Terms & Conditions for Important Information, Benefits and Limitations Special Offer: 0% APR for 15 Months A 0% introductory rate is available on balance transfers for 15 months if a transfer is submitted during the application process. The APR for balance transfers after the introductory period will be a fixed rate of 7.99%. Important Notes: Cardholders can only enroll in either the cash back rebate program or the travel rewards program. The APR for cash advances varies according to the applicant's credit history and will be either 7.99% or 19.99%. The minimum APR for the Prime Rate is 7.75%. See website for complete terms and conditions of card usage and application disclosure.

IberiaBank Visa® Platinum Rewards Card Intro APR Issuer Annual FEE CardType 0.00% IberiaBank $0 Reward - Travel No Annual Fee 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles Earn 1 Bonus Point for Every $1 in Net Retail Purchases and Redeem Your Points for Hotel Rooms, Gourmet Dinners, Travel, and More Special Offer: 0% APR for 6 Months The introductory rate is available on balance transfers submitted during the first three months. Important Notes: The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 0.99%, 1.99%, or 2.99% + Prime Rate. The APR for cash advances varies according to the applicant\'s credit history and will be 1.99%, 2.99%, or 3.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

American Express SimplyCash® Business Card Intro APR Issuer Annual FEE CardType 0.00% American Express $0 Business Earn 5% Cash Back on Automobile Gas, Office Supplies, and Wireless Services Earn 1% Cash Back on Virtually All Other Purchases No Limits to The Cash Back You Can Earn Cash Back is Automatically Credited to the Statement Each Month 0% Introductory APR for Up to 12 Months No Annual Fee with the Flexibility to Pay in Full or Carry a Balance Additional Cards Have No Annual Fee Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz® and More Special Offer: 0% APR for Up to 12 Months A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months. Important Notes: The APR for purchases varies according to the applicant\'s credit history and will be 0.00%, 3.99%, 6.99%, or 9.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates No Annual Fee Free 24/7 Concierge Service Absolute Fraud Protection Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America World MasterCard® with WorldPoints™ Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates No Annual Fee Online Account Access and Point Management Absolute Fraud Protection Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and is either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Sports Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service Absolute Fraud Protection Against Unauthorized Use, Online and Offline No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.

Major League Baseball® Extra Bases™ Credit Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Sports *Get the Card That's a Hit with Baseball Fans! *Get an Official MLB™ Licensed Jersey after Your First Qualifying Transaction(s) Using Your MLB™ Extra Bases™ Credit Card§ *Earn 1 Point for Every Net Retail Dollar Spent Redeemable for MLB™ Autographed Memorabilia, Once-in-a-Lifetime MLB™ Experiences, Cash Rewards and Travel with No Blackout Dates§§ *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: *This card is issued by FIA Card Services, N.A. **The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Brighter Planet™ Visa® Credit Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other 1 EarthSmart Point for Every $1 Net Retail 1,000 EarthSmart Bonus Points with First Transaction 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point Special Offer: 0% APR for 12 Months The introductory rate is also available for cash advance checks. Important Notes: The fixed APR for purchases and balance transfers varies according to the applicant\'s credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America Visa Signature® WorldPoints® Rewards Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other No Annual Fee Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Earn 1 Point for Every $1 in Net Retail Purchases Absolute Fraud Protection Online Access and 24-Hour Service Access to the MyConcierge Service, a Unique Personal Assistance Service Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America WorldPoints® Platinum Plus® Visa® Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *No Annual Fee *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates and More§ *100% Fraud Protection *Online Account Access and Points Management Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Blue from American Express® Intro APR Issuer Annual FEE CardType 0.00% American Express $0 Reward - Other Membership Rewards Express(SM) program 0% APR on Purchases for Up To 15 Months No Annual Fee 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 Special Offer: 0% APR for up to 15 Months The introductory rate for purchases varies and will be fifteen months, twelve months, or six months. A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process. Important Notes: Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and will be 4.99%, 5.99%, 8.99% or 10.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

IberiaBank Visa® Classic Card Intro APR Issuer Annual FEE CardType 0.00% IberiaBank $0 Regular Variable Rates as Low as Prime - 1% No Annual Membership Fee 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles 25 Day Grace Period Online Access to Credit Card Information Special Offer: 0% APR for 6 Months The introductory rate is available on balance transfers submitted during the first three months. Important Notes: The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be -1.00%, 0.00%, or 1.00% + Prime Rate. The APR for cash advances varies according to the applicant\'s credit history and will be 0.00%, 1.00%, or 2.00% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Advanta Platinum BusinessCard with Rewards Intro APR Issuer Annual FEE CardType 0.00% Advanta $0 Business 0% APR for 15 Months on Balance Transfers, 7.99% APR Thereafter* 7.99% Variable APR (Based on Prime) on Purchases Up to 5% Cash Back on Office Supplies, Gas and More* No Annual Fee and No Limit on Earnings Get Employee Cards with No Fee and Set Monthly Spending Limits Per User $0 Fraud Liability Personalized Card -- Your Company Name on the Card, Plus Your Logo *See Terms & Conditions for Important Information, Benefits and Limitations Special Offer: 0% APR for 15 Months A 0% introductory rate is available on balance transfers for 15 months. The APR for balance transfers after the introductory period will be a fixed rate of 7.99%. Important Notes: Cardholders can only enroll in either the cash back rebate program or the travel rewards program. The variable APR for cash advances varies according to the applicant's credit history and will be either 7.99% or 19.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America® Accelerated Rewards™ American Express® Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other 0% Intro Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles No Annual Fee and the Flexibility to Pay Over Time Redeem Your Points for Travel with No Blackout Dates, Discounts at Hotels, Cash, Brand-Name Merchandise, or Gift Certificates§ Earn Rewards Faster with 1.25 Points for Every Net Retail Purchase Dollar§ Access to Special Cardmember Offers from Participating American Express Merchants to Save on Shopping, Dining, Travel, Hotels, and Much More Free 24/7 Concierge Service Access to More than 2,200 American Express Travel Services Locations Worldwide to Help You Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.

Elite Rewards® World MasterCard® Credit Card Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Other *Earn Double Points for Purchases at Participating Merchants§§§§ *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *Earn 1 Point for $1 in Net Retail Purchase(s)§ *Get 800 Bonus Points after Your First Qualifying Retail Purchase(s)§§ *No Annual Fee *Fly on Major U.S. Airlines with No Blackout Dates *Avis® Car Rental Discounts and Special Offers Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Home Advantage™ MasterCard® from Bank of America Intro APR Issuer Annual FEE CardType 0.00% Bank of America $0 Reward - Finance 0% Intro Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks Through Your First Twelve Billing Cycles Earn 1 Point For Every $1 in Net Retail Purchases at All Merchants Redeem Your Points for Cash Back, Travel With no Blackout Dates, Car Rental and Hotel Rewards, Brand Name Merchandise, or Gift Certificates Redeem Your Points as Extra Payments- Every Time You Earn 5,000 Points, You Can Redeem Them for Cash - Which Can be Applied Directly to Your Mortgage No Limit to The Number of Points You Can Earn Each Year Absolute Fraud Protection Against Unauthorized Use, Online and Offline Access to The MyConcierge(SM) Service, a Unique Personal Assistance Service Secure Online Account Access and Electronic Bill Payment Service Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant\'s credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Capital One® Business Platinum with No Hassle Miles(SM) Intro APR Issuer Annual FEE CardType 0.00% Capital One $0 Business Earn Miles and Get a Low Introductory Purchase Rate, Too 0% APR on Purchases Until June 2009 1 Mile Per Dollar Spent on Purchases Redeem Miles for Cash Back, Gift Cards, Flights and More No Annual Fee Free Employee Cards With Individual Spending Limits You Set Special Offer: 0% APR on purchases until June 2009 A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete deta