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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 Ink℠ with Ultimate Rewards℠ as our favorite Zero APR credit card.

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• • No dollar goes unrewarded
  • Cash back plus a million other redemption options
  • Unlimited rewards for you or your business
  • No caps and points never expire
  • When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points
  • Apply now at the Chase website.

Blue Cash® from American Express

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• • Flexibility to pay over time.
  • 0% intro APR on purchases for 6 months and no annual fee.
  • Receive your cash back automatically as a statement credit.
  • Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
  • Apply now at the American Express website.

Escape by Discover® Card

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• • 2 Miles per $1 on all purchases
  • 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
  • Fly on any airline, book any hotel or car, with no blackout dates
  • No limit on the Miles you earn and Miles don\'t expire
  • Use Miles for travel, merchandise, gift cards or cash
  • Apply now at the the card issuer's website.

Chase Freedom® Visa - $50 Bonus Cash Back

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• • 0% Intro APR and No Annual Fee
  • Earn $50 Bonus Cash Back after first purchase
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Apply now at the Chase website.

IberiaBank Visa® Select Card

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• • Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR w
  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
  • Online access to credit card account information
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest
  • Apply now at the the card issuer's website.

Blue Sky from American Express®

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• • Flexibility to pay over time.
  • 0% intro APR on purchases for 6 months and no annual fee.
  • Data
  • Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
  • Apply now at the American Express website.

Discover® More Card

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• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

Miles by Discover® Card

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• • 1 Mile per $1 on every purchase
  • 12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
  • No limit on the Miles you earn and Miles don\'t expire
  • Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Apply now at the the card issuer's website.

Discover® Open Road Card

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• • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 0% intro APR on purchases for 6 months, then the Regular APR
  • Apply now at the the card issuer's website.

Discover® More Card - $75 Cashback Bonus

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• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Get $75 Cashback Bonus when you make $500 in purchases within 3 months
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • Apply now at the the card issuer's website.

Discover® More Card - Black

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• • 0% intro APR on purchases for a full 9 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

Chase Freedom℠

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• • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • 0% Intro APR and No Annual Fee
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Apply now at the Chase website.

Slate℠ from Chase

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• • No Annual Fee.
  • 0% intro APR for up to 12 months.
  • Blueprint^SM free and customizable account features that help you avoid unnecessary interest and pay your balances down faster
  • New innovative card design.
  • Apply now at the Chase website.

TrueEarnings® Card from Costco and American Express

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• • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Annual Fee with your paid Costco Membership
  • No Limit on the Cash Back earned
  • Apply now at the American Express website.

Public Savings Bank Classic Secured VISA Card

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• • 0% APR on All Purchases for the First 6 Months
  • Build Credit History - We Report to All 3 Major Credit Bureaus
  • No Credit Check
  • No Annual Fees or Monthly Maintenance Fees
  • No Checking Account Required
  • Apply now at the the card issuer's website.

Discover® Student Card - Monogram Collection

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• • 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
  • 5% Cashback Bonus? in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
  • Data
  • Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
  • Apply now at the the card issuer's website.

Discover® Student Card - Clear

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• • 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
  • 5% Cashback Bonus? in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
  • Data
  • Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
  • Apply now at the the card issuer's website.

Discover® Mix Tape Student Card

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• • 5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
  • Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
  • Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
  • 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
  • Apply now at the the card issuer's website.

Discover® Student Card

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• • 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
  • 5% Cashback Bonus in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
  • Data
  • Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
  • Apply now at the the card issuer's website.

Discover® Open Road Card for Students

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• • Hello 5% to 20% Cashback Bonus at our exclusive online mall; goodbye mall-walkers.
  • Double Cashback Bonus at any gas station and any restaurant (yes, even on those infamous 1 AM burritos.)
  • Turn your Cashback Bonus into even bigger rewards by redeeming for gift cards or eCertificates from more than 100 brand-name retailers.
  • Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.
  • Apply now at the the card issuer's website.