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 The Platinum Business Credit Card as our favorite Zero APR credit card.

  • There's No Limit to the Number of Points You Can Earn
  • Option to Enroll in the Membership Rewards Express® Program Fee-Free
  • 0% APR for the First 12 Months
  • Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
  • No Annual Fee
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Months

As low as Prime + 2.99% Variable

$0

Very Good

SimplyCash® Business Card from American Express

  • Earn 3% Cash Back on Automobile Gas Purchases of Up to $12,000 Per Year; 1% Thereafter
  • Earn 5% Cash Back on Office Supplies and Wireless Services
  • No Limits to The Cash Back You Can Earn
  • Earn 1% Cash Back on Virtually All Other Purchases
  • Cash Back is Automatically Credited to the Statement Each Month
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Months

As low as Prime + 0% Variable

$0

Very Good

Advanta Platinum with Rewards Customized BusinessCard

  • 7.99% Variable APR on Purchases
  • 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR Thereafter
  • No Annual Fee and No Limit on Earnings
  • Choice of 5% Cash Back on Office Supplies, Gas, and More
  • Get Employee Cards with No Fee and Set Spending Limits Per User
  • * See terms and conditions for important information, benefits and limitations
  • Apply now at the Advanta website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 15 Months

7.99% Variable

$0

Very Good

Bank of America Visa Signature® WorldPoints™ Reward

  • Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles
  • No Annual Fee
  • Absolute Fraud Protection
  • Earn 1 Point for Every $1 in Net Retail Purchases
  • Online Access and 24-Hour Service
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.99% / 15.99% Fixed

$0

Excellent

Brighter Planet™ Visa® Credit Card

  • 1,000 EarthSmart Bonus Points with First Transaction
  • 1 EarthSmart Point for Every $1 Net Retail
  • For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point
  • 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.99% / 15.99% Fixed

$0

None