Compare No Interest Credit Cards - 0% APR on Purchases Credit Cards

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Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $900.00 $489.52 $405.45 $1,794.97
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $1,200.00 $650.50 $540.60 $2,391.10
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
* This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
*
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
*
Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $2,051.40 $1,226.42 $1,032.45 $4,310.27
* Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® Summary

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.

  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*

  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*

  • Free FICO® Credit Score online and on monthly statements.*

  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.

  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

  • 100% U.S.- based customer service - anytime, day and night.

  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

MyRatePlan's Expert Rating & Review

Discover it® review written by and updated on .

Expert Rating: 4.90 / 5 stars

4.9
  • Pros:

    This card does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases. Lastly, the introductory 0% APR period on both purchases and balance transfers is generous.

  • Cons:

    None

  • Our Final Take:

    The Discover it Card is one of the best credit cards available, and one of the highest rated cards at MyRatePlan. You'd be hard-pressed to find another comparable cash back credit card for people with good credit or better.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

User Reviews for Discover it®

  • Intro APR

    0%
    6 months
  • Regular APR

    10.99% - 22.99% Variable*
  • Balance Transfer

    0%
    18 months
  • Average Savings

    $1,721.70 Over 1 year view details
Show More Info
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Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $900.00 $652.73 $405.45 $1,958.18
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $870.30 $540.60 $540.60 $1,951.50
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
* This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
*
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
*
Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $1,721.70 $1,279.73 $1,032.45 $4,033.88
* Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® - 18 Month Balance Transfer Summary

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.

  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.

  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*

  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*

  • Free FICO® Credit Score online and on monthly statements.*

  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.

  • 100% U.S.- based customer service—anytime, day and night.

  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

MyRatePlan's Expert Rating & Review

Discover it® - 18 Month Balance Transfer review written by and updated on .

Expert Rating: 4.80 / 5 stars

4.8
  • Pros:

    The 0% introductory APR period on balance transfers is one of the longest you can find on any card on the market. This card also does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases.

  • Cons:

    We can't find any.

  • Our Final Take:

    The Discover it Card is one of the best balance transfer credit cards available. In addition, it'd be tough to find another cash back credit card for people with good credit or better with as long of a 0% introductory APR period on balance transfers.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

User Reviews for Discover it® - 18 Month Balance Transfer

Discover it® chrome

Expert Rating: 4.80 / 5 stars -
4.8
1
  • Intro APR

    0%
    14 months
  • Regular APR

    10.99% - 22.99% Variable*
  • Balance Transfer

    0%
    14 months
  • Average Savings

    $2,013.60 Over 1 year view details
Show More Info
x

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $900.00 $489.52 $405.45 $1,794.97
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $1,200.00 $650.50 $540.60 $2,391.10
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $48.60 $48.60 $48.60 $145.80
* This card offers 2% cash back ($.02) on up to $1,000 spent at gas stations and restaurants combined each quarter. We assume cardholders spend 35% of their total purchase balance on these 2% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
*
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
*
Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $2,013.60 $1,188.62 $994.65 $4,196.87
* Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® chrome Summary

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter -no sign-ups needed*. 1% cash back on all your other purchases.

  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.

  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.

  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.

  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

  • 100% U.S. based customer service - anytime, day and night.

  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

MyRatePlan's Expert Rating & Review

Discover it® chrome review written by and updated on .

Expert Rating: 4.80 / 5 stars

4.8
  • Pros:

    Long introductory period of 14 months of 0% APR on purchases and balance transfers. 2% cash back on dining and gas on up to $1,000 per quarter as well as 1% cash back on all other purchases make this a great cash back option.

  • Cons:

    None we can think of.

  • Our Final Take:

    The Discover it® chrome is one of the best cash back credit cards on the market that also offers a generous 0% introductory APR period on both purchases and balance transfers.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

User Reviews for Discover it® chrome

Discover it® chrome

Expert Rating: 4.80 / 5 stars -
4.8
1
  • Intro APR

    0%
    6 months
  • Regular APR

    10.99% - 22.99% Variable*
  • Balance Transfer

    0%
    18 months
  • Average Savings

    $1,683.90 Over 1 year view details
Show More Info
x

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $900.00 $450.00 $405.45 $1,755.45
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $870.30 $540.60 $540.60 $1,951.50
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $48.60 $48.60 $48.60 $145.80
* This card offers 2% cash back ($.02) on up to $1,000 spent at gas stations and restaurants combined each quarter. We assume cardholders spend 35% of their total purchase balance on these 2% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
*
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
*
Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $1,683.90 $1,039.20 $994.65 $3,717.75
* Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® chrome Summary

  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.

  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.

  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.

  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.

  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

  • 100 % U.S. based customer service - anytime, day and night.

  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

MyRatePlan's Expert Rating & Review

Discover it® chrome review written by and updated on .

Expert Rating: 4.80 / 5 stars

4.8
  • Pros:

    Long introductory period of 18 months of 0% APR on balance transfers and 6 months on purchases. 2% cash back on dining and gas on up to $1,000 per quarter as well as 1% cash back on all other purchases make this a great cash back option.

  • Cons:

    Nope.

  • Our Final Take:

    The Discover it® chrome is one of the best cash back credit cards on the market that also offers a generous 0% introductory APR period on both purchases and balance transfers (18 months for balance transfers is quite long.)

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

User Reviews for Discover it® chrome

  • Intro APR

    0%
    12 Months
  • Regular APR

    15.99% or 24.99%* Variable
  • Balance Transfer

    0%
    12 Months
  • Average Savings

    $1,889.60 Over 1 year view details
Show More Info
x

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $900.00 $180.45 $180.45 $1,260.90
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $1,200.00 $240.60 $240.60 $1,681.20
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $48.60 $48.60 $48.60 $145.80
* This card offers 2 miles for every dollar spent (estimated at $.02) on ticket purchases directly from Miles & More integrated airline partners. We assume 35% of your total purchases made on this card are on these premium purchases, with the remaining 65% of purchases earning the standard 1 miler per dollar spent (estimated at $.02).
Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
*
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
* Cardholders earn 20,000 bonus miles (estimated at $.01 per mile) after the first purchase or balance transfer, and an additional 15,000 bonus miles after completing an initial balance transfer for a total estimated bonus value of $350. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification.
Companion ticket bonus ? $0.00 $150.00 $0.00 $150.00
* Cardmembers receive one companion ticket each year, which we estimate at a $150 value.
Balance Transfer Cost ? -$180.00 -$0.00 -$0.00 -$180.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$79.00 -$79.00 -$79.00 -$237.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $1,889.60 $540.65 $390.65 $2,820.90
* Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Miles & More® Premier World MasterCard® Summary

  • Earn 20,000 award miles after your first purchase or balance transfer

  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening

  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners and 1 mile per $1 on all other purchases

  • Annual Companion Ticket after first purchase or balance transfer and annually thereafter

  • No foreign transaction fees on purchases made outside the U.S.

  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance member airlines and other partners

  • $79 Annual Fee. Please see Terms and Conditions for complete details

MyRatePlan's Expert Rating & Review

Miles & More® Premier World MasterCard® review written by and updated on .

Expert Rating: 4.65 / 5 stars

4.65
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

User Reviews for Miles & More® Premier World MasterCard®

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