List of 0% APR Credit Cards for Consumers and Small Businesses

List of 0% APR Credit Cards

Credit cards that offer 0% Intro APR can be quite useful when interest rates are high. We normally see these offers as a signup bonus on many consumer and small business credit cards.

The introductory APR can be for purchases or balance transfers, and usually for both. Depending on the credit card, you can sometimes get a 0% Intro APR for up to 21 months.

So what’s so great about these offers? These are basically interest-free, short-term loans. You can get a loan and then deposit that amount in a high-yield savings account or CD, and earn up 5% or more during that period. They can also be useful to consolidate high interest debt.

Sounds too good to be true, but that’s exactly how these offers work when interest rates are high. However, there are a few things to watch out for. Read some important tips below, and check out the full list of 0% APR credit cards

Tips

• When choosing a 0% APR credit card, make sure to also look at ongoing card benefits such as earning structure or ongoing variable rate.
• Most banks won’t let you transfer a balance from one of their cards to another. So apply for a card from a different issuer if you want to transfer a balance.
• Always make the minimum monthly payments, and always plan to pay off the full balance before the promotional period expires.
• Some credit card issuers will let you move credit from one card to another. You want to have as much credit available as possible on a card with 0% APR.
• 0% APR often applies to balance transfers done in the first 45 or 60 days. Read the details.
• You will often have to pay a balance transfer fee, which can be 3% or 5%. So make sure to include that in your calculations.
• A high balance on personal cards will heavily affect your credit score. On the other hand, business card balances normally don’t.
• Cards with 0% APR offers are often available to those with good credit, which typically means a FICO Score of 670+.

Consumer Credit Cards with 0% Intro APR 

Make sure to carefully read the details of each offer before applying. Also let me know if any of these offers has changes, or if there are any other consumer cards that should be listed.

1. U.S. Bank Shield Visa Credit Card
   • 0% Intro APR on Purchases and Balance Transfer for 24 months
   • No Annual Fee
2. U.S. Bank Visa® Platinum Credit Card
   • 0% Intro APR on Purchases and Balance Transfer for 21 months
   • No Annual Fee
3. Wells Fargo Reflect® Card
   • 0% Intro APR on Purchases and Balance Transfer for 21 months
   • No Annual Fee
4. Citi® Diamond Preferred® Card
   • balance_transfer_intro_apr,balance_transfer_intro_duration and intro_apr_rate,intro_apr_duration
   • No Annual Fee
5. Citi Simplicity^® Card
   • 0% intro APR for 21 months on Balance Transfers and 0% 12 months on Purchases
   • No Annual Fee
6. Bank of America BankAmericard® Credit Card
   • 0% Intro APR on Purchases and Balance Transfer for 18 months
   • No Annual Fee
7. Chase Slate Edge
   • 0% Intro APR on Purchases and Balance Transfer for 18 months
   • No Annual Fee
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   • intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration
   • No Annual Fee
9. Amex EveryDay® Credit Card
   • 0% intro APR on purchases and balance transfers for 15 months
   • No Annual Fee
10. U.S. Bank Altitude Connect Card
    • 0% intro APR on purchases and balance transfers for 15 months
    • No Annual Fee
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    • balance_transfer_rate and intro_apr_rate,intro_apr_duration
    • No Annual Fee
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    • balance_transfer_intro_apr,balance_transfer_intro_duration and intro_apr_rate,intro_apr_duration
    • No Annual Fee
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    • balance_transfer_intro_apr,balance_transfer_intro_duration and intro_apr_rate,intro_apr_duration
14. Chase Freedom Cards
    • 0% intro APR on purchases and balance transfers for 15 months
    • No Annual Fee
15. Citi Rewards+® Card
    • 0% intro APR on purchases and balance transfers for 15 months
    • No Annual Fee
16. Discover it
    1. 0% intro APR on purchases and balance transfers for 15 months
    2. No Annual Fee
17. Wells Fargo Active Cash® Card
    • 0% intro APR on purchases and balance transfers for 15 months
    • No Annual Fee

Business Credit Cards with 0% Intro APR 

Make sure to carefully read the details of each offer before applying. Also let me know if any of these offers has changes, or if there are any other business cards that should be listed.

1. U.S. Bank Business Platinum Visa Credit Card
   • 0% Intro APR on Purchases and Balance Transfer for 18 months
   • No Annual Fee
2. US Bank Triple Cash Rewards Visa ® Business Card
   • 0% Intro APR on Purchases and Balance Transfer for 15 months
   • No Annual Fee
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   • intro_apr_rate,intro_apr_duration
   • No Annual Fee
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   • intro_apr_rate,intro_apr_duration
   • No Annual Fee
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   • intro_apr_rate,intro_apr_duration
   • No Annual Fee
6. Chase Ink Business Cash® Credit Card
   • intro_apr_rate,intro_apr_duration
   • No Annual Fee
7. Chase Ink Business Unlimited® Credit Card
   • intro_apr_rate,intro_apr_duration
   • No Annual Fee
8. Citizens Business Platinum Mastercard®
   • 0% Intro APR on Purchases for 12 months
   • No Annual Fee
9. Wells Fargo Signify Business Cash
   • 0% Intro APR on Purchases for 12 months
   • No Annual Fee
10. BMO Business Platinum Rewards
    • 0% Intro APR on Purchases and Balance Transfer for 9 months
    • No Annual Fee
11. Bank of America® Business Advantage Customized Cash Rewards
    • 0% Intro APR on Purchases for the first 9 billing cycles
    • No Annual Fee
12. Bank of America® Business Advantage Travel Rewards
    • 0% Intro APR on Purchases for the first 9 billing cycles
    • No Annual Fee

Guru’s Wrap-up

Credit cards with 0% introductory APR offers give customers an opportunity to get an interest-free, short-term loan. Then that loan can be used in the form of purchases, balance transfers or both. Sometimes we even see these offers for existing cards, such as Discover it.

These offers can be useful when interest rates are high, as you get a free loan and then invest it to earn 5% or more in interest. But they can also be useful for those who are struggling with debt, and can give you a hand on paying down that debt.