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Zero APR Credit Cards

Lest you get too excited about the name of this rewards card, you should know that there is no such thing as a credit card that stays at 0% APR forever. However, there are rewards cards with a lengthy introductory rate of 0%. In fact, it would be foolish not to apply for such a card, as there are plenty to choose from. When comparing 0% APR cards, you should choose one with both a long introductory period and a low interest rate once the introductory period has expired. An rate of 0% typically lasts anywhere from three to 18 months. If you have to make a large purchase, it would be a good idea to do so as soon as you are approved. That way, you will have time to pay off the purchase with no interest, making it a "same as cash" deal.

Credit Panda's Recommended Credit Card

Credit Panda recommends Blue from American Express® as our favorite Zero APR credit card.

  • Blue from American Express® Apply online for Blue from American Express®
    • Express Approval. Get a Decision in Less Than 60 Seconds.
    • Apply now at the American Express website.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months As low as 15.24%* Variable $0 None

Blue Cash® from American Express

  • Blue Cash® from American Express Apply online for Blue Cash® from American Express
    • Apply now at the American Express website.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for up to 6 Months As low as 17.24%* Variable $0 None

Chase Freedom℠

  • Chase Freedom℠ Apply online for Chase Freedom℠
    • Apply now at the Chase website.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for up to 6 Months on Purchases* 12.99%, 17.99%, or 22.99% Variable $0 None

Escape by Discover® Card

  • Escape by Discover® Card Apply online for Escape by Discover® Card
    • Enhanced Travel Benefits
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* as low as 11.99% Variable $60 None

Blue Sky from American Express®

  • Blue Sky from American Express® Apply online for Blue Sky from American Express®
    • Express Approval. Get a Decision in Less Than 60 Seconds
    • Apply now at the American Express website.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months As low as 17.24% Variable $0 None

Discover® More® Card

  • Discover® More® Card Apply online for Discover® More® Card
    • Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* As low as 11.99% Variable $0 Very Good

Miles by Discover® Card

  • Miles by Discover® Card Apply online for Miles by Discover® Card
    • Unlimited Miles That Never Expire
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* as low as 11.99% Variable $0 Very Good

Discover® More® Card - Monogram

  • Discover® More®  Card - Monogram Apply online for Discover® More®  Card - Monogram
    • Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 11.99% Variable $0 Very Good

Discover® More® Card - Clear

  • Discover® More®  Card - Clear Apply online for Discover® More®  Card - Clear
    • Instant Response Within 60 Seconds
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 11.99% Variable $0 Very Good

Biodegradable Discover® More Card

  • Biodegradable Discover® More Card Apply online for Biodegradable Discover® More Card
    • Instant Response Within 60 Seconds
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 11.99% Variable $0 Very Good

Discover® More® Card - Wildlife Collection

  • Discover® More®  Card - Wildlife Collection Apply online for Discover® More®  Card - Wildlife Collection
    • Instant Response Within 60 Seconds
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 11.99% Variable $0 Very Good

Discover® More® Card- American Flag

  • Discover® More®  Card- American Flag Apply online for Discover® More®  Card- American Flag
    • Instant Response Within 60 Seconds
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 11.99% Variable $0 Very Good

Discover® More® Card - Sealife Collection

  • Discover® More®  Card - Sealife Collection Apply online for Discover® More®  Card - Sealife Collection
    • Instant Response Within 60 Seconds
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 11.99% Variable $0 Very Good

Discover® More® Card - $50 Cashback Bonus®

  • Discover® More® Card - $50 Cashback Bonus® Apply online for Discover® More® Card - $50 Cashback Bonus®
    • Up to 1% unlimited Cashback Bonus on all other purchases automatically
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 12.99% Variable $0 Very Good

Discover® Open Road(SM) Card

  • Discover® Open Road(SM) Card Apply online for Discover® Open Road(SM) Card
    • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR* 11.99% Variable $0 Very Good

Discover® More® Card - Shamrock

  • Discover® More® Card - Shamrock Apply online for Discover® More® Card - Shamrock
    • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 12.99% Variable $0 Very Good

Discover® More® Card - Monogram

  • Discover® More® Card - Monogram Apply online for Discover® More® Card - Monogram
    • Instant Response within 60 seconds
    • Apply now at the the card issuer's website.
Intro APR Regular APR Annual Fee Credit Needed
0% Intro APR as low as 12.99% Variable $0 Very Good

Slate℠ from Chase

  • Slate℠ from Chase Apply online for Slate℠ from Chase
    • E-mail and Text Alerts
    • Apply now at the Chase website.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for up to 12 Months* 13.24%, 17.24%, or 22.24% Variable $0 None

TrueEarnings® Card from Costco and American Express

  • TrueEarnings® Card from Costco and American Express Apply online for TrueEarnings® Card from Costco and American Express
    • No Limit on the Cash Back earned
    • Apply now at the American Express website.
Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months 15.24% Variable $0 None

Public Savings Bank Classic Secured VISA Card

Intro APR Regular APR Annual Fee Credit Needed
0% APR for 6 Months 11.24% Variable $0 None