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

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• • 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.

SimplyCash® Business Card from American Express

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• • 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.

Advanta Platinum with Rewards Customized BusinessCard

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• • 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.

Bank of America Visa Signature® WorldPoints™ Reward

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• • 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.

Brighter Planet™ Visa® Credit Card

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• • 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.

IberiaBank Visa® Platinum Rewards Card

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• • 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
  • No Annual Fee
  • Data
  • Earn 1 Bonus Point for Every $1 in Net Retail Purchases and Redeem Your Points for Hotel Rooms, Gourmet Dinners, Travel, and More
  • Apply now at the the card issuer's website.

IberiaBank Visa® Gold Cash Back Rewards Card

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• • No limit on Cash Back; No Expiration for the Life of Your Account
  • 1% Cash Back on Everything You Buy From Day One
  • No Minimum to Redeem for Cash
  • 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
  • No Annual Membership Fee
  • Apply now at the the card issuer's website.

Bank of America World MasterCard® with WorldPoints™

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• • Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
  • Earn 1 Point for Every Net Retail Purchase Dollar
  • Online Account Access and Point Management
  • No Annual Fee
  • Absolute Fraud Protection
  • Apply now at the Bank of America website.

Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card

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• • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Help Conservation Efforts - With Each Card Purchase, Bass Pro Shops and the National Fish and Wildlife Foundation Will Make a Contribution to Help Conservation Efforts, with a Guaranteed Yearly Contribution as High as $1.5 Million, at No Additional
  • Card Issued by FIA Card Services, N.A.
  • No Annual Fee
  • Apply now at the Bank of America website.

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card

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• • Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service
  • Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash
  • No Annual Fee
  • Absolute Fraud Protection Against Unauthorized Use, Online and Offline
  • Card Issued by FIA Card Services, N.A.
  • Apply now at the Bank of America website.

Wyndham Rewards MasterCard(SM)

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• • Earn 13 Points for Every $1 Spent for Qualifying TripRewards® Hotel Stays
  • Earn 2 Points for Every $1 in Purchases
  • No Annual Fee
  • Redeem Your Points for Hotel Stays, Dining, Shopping, and Auto Rentals
  • 24-Hour Online Access
  • Apply now at the Bank of America website.

Bank of America WorldPoints™ Platinum Plus® Visa® Card

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• • No Annual Fee
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • 100% Fraud Protection
  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates, and More
  • Online Account Access and Points Management
  • Apply now at the Bank of America website.

Bank of America WorldPoints® Platinum Plus® MasterCard®

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• • Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
  • Earn 1 Point for Every Net Retail Purchase Dollar
  • Free 24/7 Concierge Service
  • No Annual Fee
  • Absolute Fraud Protection
  • Apply now at the Bank of America website.

NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card

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• • Redeem Points for Exclusive NASCAR® Experiences and Collectibles
  • Earn RacePoints(SM) Every Time You Make a Purchase
  • Free Online Account Access
  • No Annual Fee
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Apply now at the Bank of America website.

NFL Extra Points™ Platinum Plus® Visa® Card

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• • No Annual Fee
  • Reward Yourself with a $50 NFLshop.com Gift Card after Your First Qualifying Transaction(s) Using Your NFL Extra Points™ Visa® Credit Card
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for NFL Merchandise, Tickets, and VIP Passes to NFL Experiences
  • 100% Fraud Protection
  • Apply now at the Bank of America website.

Major League Baseball® Extra Bases™ Credit Card

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• • Get an Official MLB™ Licensed Jersey after Your First Qualifying Transaction(s) Using Your MLB™ Extra Bases™ Credit Card
  • Get the Card That's a Hit with Baseball Fans!
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Earn 1 Point for Every Net Retail Dollar Spent Redeemable for MLB™ Autographed Memorabilia, Once-in-a-Lifetime MLB™ Experiences, Cash Rewards, and Travel with No Blackout Dates
  • No Annual Fee
  • Apply now at the Bank of America website.

Pulaski Bank Visa® Card

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• • Best Credit Card Rate in the Country
  • Fixed Low Rate
  • 0.0% Introductory APR on All Balance Transfers
  • No Fee Balance Transfers
  • Apply now at the Pulaski Bank website.

Blue Cash® for Business Credit Card

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• • No Limit on the Cash Back You Can Earn
  • Up To 5% Cash Back on Virtually all Purchases
  • 0% Intro APR for First 6 Months
  • No Annual Fee
  • Option to Pay over Time or Pay in Full
  • Apply now at the American Express website.

Capital One® Business Platinum with No Hassle Miles(SM)

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• • 0% APR on Purchases Until October 2009
  • Earn Miles and Get a Low Introductory Purchase Rate, Too
  • 1 Mile Per Dollar Spent on Purchases
  • 0% APR on Transferred Balances Until October 2009
  • Redeem Miles for Cash Back, Gift Cards, Flights, and More
  • Apply now at the the card issuer's website.

Blue for Business® Credit Card

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• • No Annual Fee with the Flexibility to Pay in Full or Carry a Balance
  • 0% introductory APR on Purchases for Up To 15 Months
  • Option to Enroll in the Complimentary Membership Rewards Express® Program, with Flexible Rewards for You or Your Business
  • No Annual Fee for Additional Cards
  • There's No Limit to the Number of Points You Can Earn and Points Have No Expiration Date
  • Apply now at the American Express website.