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

Apply online for credit cards offering no intrest on purchases for an introductory period. The credit cards below offer a 0% APR, usually from 6 to 12 months. The 0% APR feature will let you purchase items on the credit card and not incur any finance charges on those purchases during the introductory period. Compare no interest credit cards (0% APR on purchases credit cards below.)

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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.

    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.

    • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.

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

    • 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.*

    • 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%.

    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.

    • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.

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

    • 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*.

    • 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.

    • *+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

    • Intro APR

      n/a
    • Regular APR

      24.99%* Variable
    • Balance Transfer

      N/A
    • Average Savings

      $523.90 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $0.00 $0.00 $0.00 $0.00
    * 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 ? $450.30 $-299.40 $-299.40 $-148.50
    * 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 2x points per $1 spent on gas, groceries and utilities (estimated at $.02). We assume 35% of purchases made with this card are on these premium purchases, with the remaining 65% receiving the standard one point per $1 spent (estimated at $.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $25.00 $0.00 $0.00 $25.00
    * Cardholders earn 2,500 bonus points after their first purchase, an estimated $25 value. 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.
    Balance Transfer Cost ? -$0.00 -$0.00 -$0.00 -$0.00
    * 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 $523.90 $-250.80 $-250.80 $22.30
    * 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.

    Barclaycard® Rewards MasterCard® - Average Credit Summary

    • No annual fee

    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else

    • Use the points you earn like cash to pay for almost any purchases you've made.

    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.

    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

    MyRatePlan's Expert Rating & Review

    Barclaycard® Rewards MasterCard® - Average Credit review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    • Pros:

      The Barclaycard® Rewards MasterCard® - Average Credit offers great rewards for a credit card designed for people with average credit scores. With the Barclaycard® Rewards MasterCard® - Average Credit, cardholders earn 2 points for each dollar spent on gasoline, groceries, or utilities, which are most people's main spending categories, and 1 point for each dollar spent on any other purchases.

    • Cons:

      None.

    • Our Final Take:

      This card is definitely one of the best credit cards for average credit out of any of the cards available today. If you have average credit and want a solid rewards credit card with no annual fee, then this is probably the card for you.

    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 Barclaycard® Rewards MasterCard® - Average Credit

    • Intro APR

      0%
      15 billing periods
    • Regular APR

      9.99% - 23.99%* (Variable)
    • Balance Transfer

      0%
      15 billing periods
    • Average Savings

      $1,965.00 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 $562.84 $450.45 $1,913.29
    * 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 $750.45 $600.60 $2,551.05
    * 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.
    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 $1,965.00 $1,313.29 $1,051.05 $4,329.34
    * 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.

    U.S. Bank Visa® Platinum Card Summary

    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%

    • No annual fee*

    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum

    • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen

    • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud

    • Online account management and account alerts

    MyRatePlan's Expert Rating & Review

    U.S. Bank Visa® Platinum Card review written by and updated on .

    Expert Rating: 4.50 / 5 stars

    4.5
    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 U.S. Bank Visa® Platinum Card

    What is APR on credit cards?

    APR for credit cards is the annual interest rate that the credit card company charges when you don’t pay off your debt. On average, APR is between 14% and 16%.

    If you fail to make a payment for one year on a credit card debt of $1000, you would pay $160 in interest at the end of the year with a 16% APR. Each month, you would owe around $13 in interest. If you did not make payment on your credit card for one year, you would probably be charged much more than $160 in interest; you would also have late payment penalties and would most likely be charged other fees.

    With a no interest credit card, you don’t have to pay any interest on your purchases. This means that you won’t have to pay interest on your overdue payments. Of course, you are only likely to find a 0% APR credit card in one of the following cases:

    • You sign up for a charge card
    • You sign up for an introductory rate on any other credit card

    0% APR on Purchases with Charge Cards

    A charge card is not exactly the same thing as a credit card. Charge cards don’t have credit limits the way credit cards do. This means that you don’t have an official limit on how much money you can spend in a month.

    There is a limit on how much you can spend, but it isn’t an official credit limit that you and your bank agree on. Instead, your bank uses your credit score, spending history, etc. to set an unofficial limit for you. For example, if you usually spend about $3500 every month, then your credit limit will probably be just above $3500. If you start to spend more than your usual $3500 by a significant amount (say you needed to take a trip that ended up costing you an extra $1000), the credit card company will evaluate your purchases and may reject excess charges. If your charges are rejected, you will be asked to pay down your card before the extra charges will be processed.

    This means that over the course of the month, you can charge as much money as you can reasonably handle to your charge card as long as you can still pay it back in full at the end of the month. So, there is no APR on a charge card because you simply can’t miss payments. Missing a payment is grounds for your bank to revoke your card.

    Charge cards are usually limited to people with very good credit scores because people with high credit scores are more likely to repay their debts on time every month.

    Charge cards are also more likely to have high annual fees because the bank doesn’t make money on interest. For example, the American Express Platinum Card costs $450 every year.

    0% APR Credit Cards

    Whenever you see any other credit card with 0% APR on purchases, that is a temporary offer. It’s pretty standard for a credit card company to offer a 0% APR for some period of time between 6 and 18 months after you sign up. These temporary offers are meant to encourage new customers to sign up for their credit cards.

    Low APR credit cards can be good for people who need to consolidate their debt or make a large purchase. In either of these cases, people can take advantage of an introductory 0% APR for credit cards to decrease the interest they have to pay. If you can manage to pay off your whole loan or pay for your large purchase during those first few months, then a 0% introductory APR credit card is a very good deal. However, if you cannot pay off your loan or significantly decrease it by the time the 0% introductory APR expires, you may just end up creating more debt for yourself.

    You should also be careful to read the fine print: after the introductory period, your APR will revert to the normal rate. Generally, APR is somewhere between 11% and 22%. The credit card company will decide your APR based on lots of factors like your credit score, income, and payment history. So, before you sign for your introductory no APR credit card, you should be prepared to pay up to the highest possible APR.

    Additionally, no APR credit cards tend to encourage customers to incur large amounts of debt. Without an interest charge, some borrowers will not prioritize repaying their debts. Once the introductory period ends, a credit card company can make a decent amount on interest in these cases.