Find the best 0% Introductory APR credit cards

When debt piles up over time, it may seem like there is no way out, but luckily, individuals with a good or excellent credit history may be able to select a credit card that offers a 0% Introductory APR on balance transfers. A credit card with a low or 0% Introductory APR on purchase and balance transfers cards are great for balance transfers, making large purchases, or paying down debt with low or no interest during the introductory period. Depending on the card, you can get an introductory period of 6 to 21 months of low or 0% interest. Credit Sesame can recommend 0% Introductory APR credit cards from our partners that may fit your credit profile, as well as highlight other benefits you can receive with each offer.
Why choose a 0% Introductory APR credit card?
When purchasing expensive items with credit, the monthly interest rates will have the largest impact on your overall balance, sometimes even increasing it beyond your ability to pay. With a 0% Introductory APR on purchases, you can say goodbye to those interest charges for a while and get the products and services you want without breaking the bank.
What is a 0% Introductory APR credit card?
With this kind of credit card, you’ll mostly likely have an introductory rate lasting from 6 to 21 months, depending on your credit profile and the card issuer. Based on the card offer you select this 0% introductory APR benefit may be applied to new purchases, balances transfers, or even both. These cards are most beneficial for buying expensive items at the lowest possible interest rate or for transferring a balance from a higher rate card.
What kind of card can I get?
Most 0% Introductory APR credit cards require either a good credit score (640-719), or excellent score (720 and higher). That doesn’t mean you shouldn’t apply if you are below that, but your approval odds increase if you are in a higher range.
What are the pros and cons?
The benefit of a 0% Introductory APR on purchases is the ability to make large purchases and pay no interest on those purchases for a specified period of time. Some cards also offer a 0% Introductory APR on balance transfers for a specified period of time, rewards, a rewards bonus offer if you meet the spend requirements or a variety of other perks. On the flip side, some of these cards do not offer bonus rewards, they may have an annual fee, or the card issuer typically only considers individuals with good or excellent credit (keep in mind that your credit score as well as other factors are involved in determining if you qualify for a credit card).

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Related Options

Prepaid Cards

The prepaid card is a great way to start if this is your first time using a card instead of cash, or if you want to start shopping at locations or websites that only accept credit, debit, or prepaid cards. This card is not the same as a credit card because for a prepaid card you load/deposit your money onto the card and your spending is limited to how much you have deposited onto the card.

Secured Credit Cards

Secured credit cards are your best option if you are new to credit and want to establish a credit history or if you are rebuilding your credit. The chances of being approved is typically good, even if you have no credit history.

Business Credit Cards

If you run a small, medium, or large enterprise, you may need a business credit card. These cards can be useful for purchasing business related products and services. In return, your card may offer great rewards and other incentives.

Cash Back Credit Cards

Cash back credit cards offer a way to earn money back on your everyday purchases. There are a variety of cash back cards, so look for an offer that best fits your lifestyle or needs.

Low Interest Credit Cards

If you have been paying your balance on time and have good or excellent credit, you may be eligible for a low interest credit card. These credit cards may offer relief from higher interest rate cards, if you tend to carry a balance each month.

0% Introductory APR Credit Cards

If you are considering a balance transfer to consolidate debt or planning on making an expensive purchase, a card with a 0% introductory APR on purchases and balance transfers may be right for you. The introductory period may last anywhere between 6 to 21 months, depending on the issuer, and, if used responsibly can help you save money by reducing or eliminating interest charges on your qualifying balances.

Help: Choosing the best 0% introductory APR credit card

When shopping for credit cards, the first thing that may stand out to you is the 0% Introductory APR offer on some cards. The credit card issuers may draw you in by advertising a 0% Introductory APR, but make sure to read the fine print to find out the APR that comes after the introductory period ends, usually ending in 6 to 21 months. After this intro period, a standard or “go-to” APR will apply, typically it’s a variable rate based on the Prime Rate and generally ranging from 11.24% to 23.99% based on your creditworthiness. The credit card companies incentivize new customers to sign up with a 0% Introductory APR, but eventually have to make money on the debt created by credit card users, and that’s where your variable APR comes in. Keep in mind that all credit card companies do this, and you won’t find any credit card that has a 0% Introductory APR with no expiration date.
In order to choose the best offer from all of the 0% Introductory APR credit cards, first look at cards that come with a low APR after the introductory period ends. The only way to get the lowest possible APR is by having at least a good credit score and credit history. Each APR is variable and will fluctuate regularly; to know your exact APR when applying, you’ll have to ask the credit card issuer to perform a credit check on you. A good APR to aim for is 15%, but your rate will depend on your credit history with the three major credit bureaus. If you have bad or no credit, and are lucky enough to be approved for a credit card, you’ll be looking at an APR of around 20%.
The next factor you may want to consider when choosing a 0% Introductory APR on balance transfers is the additional fee associated with it. Credit card companies may try to offer you a low variable interest rate, but then get you with an annual fee or balance transfer fees. Make sure to read the fine print and look for cards that have no annual fee. The balance transfer fee you aim for should be between 1% to 3% at the most. If you are planning to make a big purchase, the 0% Introductory APR on purchases will come in handy because you won’t have any extra fees for the financing of your purchase.
Finally, look for 0% Introductory APR cards that offer rewards or bonus points for the money you spend on purchases. Some travel credit cards offer cardholders discounts on hotels, airfare, and more. Choose your card based on how frequently you plan to make purchases and how large your purchases will be. The 0% Introductory APR offer is only beneficial for those who are going to make a purchase right away, and rewards programs are only beneficial if you plan to make purchases each month. Otherwise, these special card offers won’t be a fit for you; instead, you may consider credit cards that offer a low interest rate, as opposed to just a low intro offer.

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