Zero Percent / 0% intro APR Credit Cards

Zero Percent / 0% intro APR Credit Cards is a Airline Credit Cards.

A 0% introductory APR credit cards charge no interest for an introductory period, this kind of card could be a great way to pay down your debt without also paying on interest. In addition to the introductory period, be mindful of the ongoing APR and any balance transfer fees before choosing a card.

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Zero Percent / 0% intro APR Credit Cards List

Discover it® chrome

The Discover it chrome’s 14-month introductory period for balance transfers and new purchases is longer than average, plus it offers good cash back rewards on restaurant and gas purchases.

BankAmericard® Credit Card

With a low regular APR and a long introductory period on balance transfers and new purchases, the BankAmericard Credit Card can save you a considerable amount on interest.

Discover it® Miles

The Discover it Miles card can you help you cut costs thanks to its long 14-month introductory APR on new purchases and its low regular APR.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a cash back rewards credit card that offers three different categories for earning potential. Cardholders can earn 3 percent cash back on up to $6,000 in purchases at U.S. supermarkets each year (then 1 percent), as well as 2 percent cash back on unlimited purchases at U.S. gas stations and select U.S. department stores. All other purchases earn 1 percent cash back. This card has a $0 annual fee, and new cardholders can earn a $150 statement credit by spending $1,000 in the first three months of opening the account. For the first 15 months, this card offers a zero percent APR on purchases and balance transfers made within 60 days of opening the account, then a 14.99 to 25.99 percent variable APR.

Capital One Journey® Student Rewards Credit Card

The interest rate is reasonable – although not great – but the array of other features makes VentureOne Rewards Card worthy of consideration.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express is a cash back rewards card that offers rewards on a variety of everyday purchases. The card earns 6 percent cash back on up to $6,000 spent annually at U.S. supermarkets (then 1 percent), 3 percent cash back at U.S. gas stations and select U.S. department stores, and 1 percent cash back on all other purchases. The card offers a zero percent introductory APR for the first 12 months on purchases and balance transfers made within 60 days of opening the account. After that, there is a 14.99 to 25.99 percent variable APR.

Bank of America® Cash Rewards

  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Wells Fargo Cash Wise Visa® Card

The introductory period for balance transfers on the Wells Fargo Cash Wise Visa Card is on the short side, but the card can help cut costs in other ways thanks to a large sign-up bonus offer and high cash back rate.

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Alternatives

If you want more cash back, you can choose Nationwide Credit Card.

Nationwide Credit Card

no longer accepting applications for new credit cards. If you already have a card, no worries—you’ll still be able to use it as normal.

If you travel often and don't prefer a particular airline or stay with a particular hotel brand, you can choose Gold Delta SkyMiles® Credit Card from American Express.

Gold Delta SkyMiles® Credit Card from American Express

Gold Delta Skymiles points are worth more than the average credit card rewards point, making this airline card’s rewards program an attractive choice for cardholders who want to quickly earn a free flight on a major carrier.

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What Credit Cards Are Available? (56)

Discover it® chrome

The Discover it chrome’s 14-month introductory period for balance transfers and new purchases is longer than average, plus it offers good cash back rewards on restaurant and gas purchases.

Sponsored Links
Sponsored Links

BankAmericard® Credit Card

With a low regular APR and a long introductory period on balance transfers and new purchases, the BankAmericard Credit Card can save you a considerable amount on interest.

Discover it® Miles

The Discover it Miles card can you help you cut costs thanks to its long 14-month introductory APR on new purchases and its low regular APR.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a cash back rewards credit card that offers three different categories for earning potential. Cardholders can earn 3 percent cash back on up to $6,000 in purchases at U.S. supermarkets each year (then 1 percent), as well as 2 percent cash back on unlimited purchases at U.S. gas stations and select U.S. department stores. All other purchases earn 1 percent cash back. This card has a $0 annual fee, and new cardholders can earn a $150 statement credit by spending $1,000 in the first three months of opening the account. For the first 15 months, this card offers a zero percent APR on purchases and balance transfers made within 60 days of opening the account, then a 14.99 to 25.99 percent variable APR.

Capital One Journey® Student Rewards Credit Card

The interest rate is reasonable – although not great – but the array of other features makes VentureOne Rewards Card worthy of consideration.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express is a cash back rewards card that offers rewards on a variety of everyday purchases. The card earns 6 percent cash back on up to $6,000 spent annually at U.S. supermarkets (then 1 percent), 3 percent cash back at U.S. gas stations and select U.S. department stores, and 1 percent cash back on all other purchases. The card offers a zero percent introductory APR for the first 12 months on purchases and balance transfers made within 60 days of opening the account. After that, there is a 14.99 to 25.99 percent variable APR.

Bank of America® Cash Rewards

  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Wells Fargo Cash Wise Visa® Card

The introductory period for balance transfers on the Wells Fargo Cash Wise Visa Card is on the short side, but the card can help cut costs in other ways thanks to a large sign-up bonus offer and high cash back rate.

What is a 0% APR credit card?

A 0% intro APR card is a product that offers no interest for a set amount of time, sometimes up to 18 months or longer. These are great cards for paying off a card balance (or two) without incurring more interest charges. They are also good for consolidating debt into a single payment. These cards can sometimes offer 0% APR on purchases for a limited time.

How do 0% APR credit cards work with balance transfer?

Some credit cards allow you to transfer a balance from another credit card and then enjoy a 0% APR on that debt. These are commonly referred to as balance transfer credit cards. The same rules that govern 0% purchase APR credit cards apply to balance transfer cards. If, for whatever reason, you fail to make a minimum payment or violate your terms and conditions, the 0% promotion will end.

While balance transfer cards don't charge interest, most do impose an origination fee. When you move your balance over, you'll be charged anywhere between 3% to 5% of the total amount being transferred. In most cases, this fee will be minor when compared to the savings you get from deferring your interest.

Two types of APR offers

The two types of APR offers

As we mentioned above, there’s more than one type of 0% APR offer. These offers are typically designed for two specific situations.

If you have existing credit card debt, you can take advantage of a 0% APR offer to transfer your balance and pay down that debt faster since you won’t have to worry about paying the interest too. Another type of 0% APR offer applies to new purchases rather than existing credit card debt.

Let’s break down both types to see which makes more sense for you.

1) 0% APR offers for balance transfers

A 0% introductory APR offer on balance transfers means you won’t be charged interest on a balance you transfer from another credit card for a certain period of time. This can be a huge help if you’re trying to pay off your debt but high interest charges are getting in the way.

Just keep in mind, these offers almost always come with a time limit. If you don’t pay off your full balance within the intro period, you might have to pay a much higher interest rate on the remainder.

2) 0% APR offers for purchases

A purchase APR is the interest rate applied to your purchases if you carry a balance on your credit card. So if you apply for a credit card with a 0% introductory purchase APR, that means you won’t be charged interest on your purchases for a certain period of time as determined by your credit card company.

These cards can come in handy if you need to make a large purchase. In fact, the very laptop I’m using to type out these words was bought with a 0% APR credit card and paid off within a few months.

It’s important to note that using these types of credit cards takes a lot of discipline. You’ll need to compare credit card offers, make a plan to pay off your debt and avoid using your card to rack up new debt while you pay off existing debt.

If you know you’ll have a hard time staying disciplined, then a credit card with a 0% intro APR offer might not be for you.

How to choose a 0% APR credit card?

A large purchase sometimes can be too good of a deal or too urgently needed to wait. With a big-ticket purchase, you’ll have to consider the type of credit card, the length of the promotional period, the ongoing APR and other factors.

Debt relief is possible with a 0% introductory APR balance transfer credit card. You can transfer your debt from another issuer onto the credit card with lower interest. Most cards charge a balance transfer fee of 3% to 5% of the amount transferred, but some no balance transfer fee credit cards eliminate that cost. Consider whether the balance transfer fee offsets the cost of interest payments.

Check the timeframe you need to pay off your balance. The length of the promotional period can vary widely. Some issuers offer introductory 0% APR periods of six to 12 months or longer. You should seek a card that lets you pay off most or all of your balance before the promotional rate expires.

Find a suitable ongoing APR. When a card’s ongoing APR kicks in after the introductory 0% APR period, it can get expensive if you still have a hefty unpaid balance. Look for a card that offers a low ongoing interest rate that you’ll be able to manage if you don’t pay off your balance in time.

Decide other benefits you might want. You might want a card that includes some incentives for keeping it around after the promotional APR offer ends. You can find cards that offer lengthy introductory 0% APR periods as well as rewards, but check whether the rewards rates on those cards fit your spending profile. If you tend to carry a balance, the high ongoing interest on many rewards cards could eat away at any rewards you might earn.

Weigh the cost of an annual fee. Most 0% intro APR credit cards don’t charge an annual fee, but some do. Determine whether the benefits outweigh the annual cost of the credit card.

How to make the most of your 0% APR credit card?

A few best practices can help ensure that you get the most value from a 0% intro APR and avoid costly mistakes (such as carrying a balance after the 0% APR expires). Here’s how to use a 0% intro APR card for best results.

Ask when the 0% intro APR expires -- Call or send a secure message to your card company to find out the exact date when the 0% intro APR on your credit card will end and make a note of it. Seek to pay off your balance in full by this date. Don’t make the mistake of carrying a balance after the 0% period expires simply because you weren’t aware of the cutoff date.

Avoid fees -- Some balance transfer cards waive balance transfer fees when you make a balance transfer within 60 days of account opening. To get the most benefit from these offers, you should make any balance transfers as soon as possible. Some cards let you make a balance transfer request at the time of application, ensuring that your balance transfer will be free of fees.

Be smart about payments -- Remember, only payments in excess of your minimum payment will be applied to the highest APR balance. Therefore, if a card only offers a 0% intro APR on one type of balance (purchases or balance transfers), then make sure to pay an amount equal to your minimum payment plus the high APR balance each month. You’ll avoid a situation where you pay down a 0% intro APR balance while letting another type of balance build up at a double-digit APR.

Keep your card open and active -- After the 0% intro APR period ends, it’s smart to use your card for a purchase every few months so it continues to report your good payment history to the credit bureaus. Having a card with a long history of 100% on-time payments can help boost your score over 800, a level where you’ll qualify for the best rates and terms on virtually any kind of financing.

Weigh the value of rewards -- While rewards cards may give you cash back or travel value for using the card to make purchases, the longest 0% intro APRs are typically offered by cards that do not have rewards programs. Forgoing a rewards card may be smart if you need the extra time to pay down a balance before interest accrues.

What is an airline credit card?

 If you travel regularly on the same airline and do so often enough so that the benefits from the card justify the annual fee, an airline credit card can be a good choice for you. The more you take a particular airline, the more you will be able to redeem miles for free flights or seat upgrades and use those rewards for the flights you want.                

What are the benefits of airline credit cards?

Sign-up bonus

Many airline credit cards offer a one-time bonus. For example, you can earn 50,000 miles once you spend over $3,000 within 3 months from account opening by using Capital One Venture Rewards credit card. This is a good choice if you have a lot of flight plans for a while.

Miles rewards

With an airline credit card, you can earn miles with every purchase, which can be redeemed for any future flight purchases on that card. Some airline credit cards will also give you points when you stay at hotels or dining at restaurants worldwide.

Additional perks

  • Free checked bags

    Checked baggage is an important consideration because most major airline credit cards include a checked bag fee waiver, which can be valuable and quickly compensate for the annual fee. Remember to link your airline credit card with your frequent-flyer account if you have, because that’s how some airlines determine if you are eligible for free checked baggage.

  • Priority boarding

    Priority boarding can save you a lot of time.

  • Reaching elite status faster

  • No blackout dates or travel restrictions

    This means you can book your flight through the credit card rewards as long as there’s a seat on the flight.

No foreign transaction fees

Many airline credit cards don’t have foreign transaction fees, so it’s a good idea to use them while traveling abroad.


What do you need to apply for an airline credit card?

Credit score

Airline credit cards require your credit score in great shape first. Most of the top travel credit cards are offered to those with “excellent” or “very good” credit. Don’t be discouraged if you find that you don’t qualify for a travel credit card yet. There are also many good rewards or cash back credit cards which are worth applying for and can help you to build credit.

Credit card application

You can apply for an airline credit card through the airline and the issuer depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.


How to use an airline credit card?

Read your credit card terms and conditions.

You need to have an understanding of the terms of your credit card in order to use it better and avoid paying extra fees.

Maximize your miles and rewards

Airline credit cards offer many ways to help you to save money on traveling. Keep an eye out for earning double or triple miles rewards opportunities.

Plan on Paying Taxes When You Redeem Airline Miles

Airline miles can make your flight cheap, but they won’t be free. Because when you pay with miles, you also need to pay government-mandated taxes and fees. Therefore, we recommend you pay attention to taxes before you redeem airline miles.

Pay your bill in full on time

Airline credit cards provide rewards programs, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.


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Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
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