Updated June 16, 2008. Any indented text is excerpted directly from the issuer’s marketing.
Here is an update to an article I posted about four months ago. If you’re looking for 0% APR offers, here are 79 of them.
Warning! Taking advantage of credit card companies may be fun and profitable, but it is dangerous if you don’t know what you’re doing, or if you do know what you’re doing but are not careful. If you miss one payment, in most cases, you will owe back interest at the default rate.
That being said, here are a bunch of credit cards offering 0% APR on purchases, balance transfers, or cash advances for a year or six months. Use these cards responsibly, and you can save yourself money two ways. First, you can earn interest on your cash while paying off the card, and second, you can use inflation to your advantage. For example, if you pay $100 each month for thirteen months, your last payment is worth about 3% less in purchasing power. Here are 79 cards that offer 0% interest on purchases or more.
Chase TravelPlus Visa (apply here)
0% on purchases and balance transfers for 12 months
17.49% variable APR (standard)
This card, in addition to the introductory APR offer, provides 2 miles for every $1 spent on travel-related purchases and 1 mile for every $1 on other categories. There is a $29 annual fee for the rewards program, however.
Discover Business Miles Card (apply here)
0% APR on purchases for 12 months
13.99% APR on purchases (standard)
You don’t have to have a business to apply and be accepted for this card, as with any business card. With this card, you also earn miles which can be redeemed for travel credits. The standard Discover Business Card offers a similar introductory rate, but rather than miles, earns the spender 5% cash back on office supplies, 2% on gas, and 1% on all other purchases.
GM Business World MasterCard (apply here)
0% APR on purchases and balance transfers for 12 months
13.49% APR on purchases (standard)
The GM Business World MasterCard offers cash back with no limit. You can earn 3% cash back on fuel, restaurant, office supply, and GM parts and service purchases. All other purchases earn you 1% cash back. Also, if you purchase or lease a GM vehicle, you will be given a $500 credit on your statement. I’m not a GM fan, but if you are, this could be a good way to save money.
Here are more 0% interest introductory offers on purchases, balance transfers and cash advances.
Chase Business Cash Rewards Card: 0% APR on purchases and balance transfers for
Chase Platinum Business Card: 0% APR on purchases and balance transfers for 12 months
Chase Business Rebate Visa Card: 0% APR on purchases and balance transfers for 12 months
American Express Platinum Business FreedomPass: 0% APR on purchases for 12 months
American Express Blue Cash for Business Card: 0% APR on purchases for 6 months
American Express Platinum Business Card: 0% APR on purchases for 12 months
American Express SimplyCash Business Card: 0% APR on purchases for 12 months
Citi Professional Cash Card: 0% APR on purchases for 12 months
Citi Professional Card: 0% APR on purchases and for 12 months
Citi Professional Card With ThankYou Network: 0% APR on purchases for 12 months
Discover More Card: 0% APR on purchases and balance transfers for 6 months
Discover More Card – Sealife Collection: 0% APR on purchases and balance transfers for 6 months
Miles by Discover Card: 0% APR on purchases and balance transfers for 6 months
Discover More Card – American Flag: 0% APR on purchases and balance transfers for 6 months
Discover More Card – Wildlife Collection: 0% APR on purchases and balance transfers for 6 months
Discover More Card – Monogram: 0% APR on purchases and balance transfers for 6 months
Discover Open Road Card: 0% APR on purchases and balance transfers for 6 months
Discover More Card – Clear: 0% APR on purchases and balance transfers for 6 months
Discover Motiva Card: 0% APR on purchases for 12 months
Advanta Platinum BusinessCard: 0% APR on purchases on balance transfers for 12 months
Advanta Platinum BusinessCard With Rewards: 0% APR on purchases on balance transfers for 15 months
Discover Open Road Card for Students: 0% APR on purchases for 6 months
Discover Student Card: 0% APR on purchases for 6 months
Discover Student Card – Tropical Beach: 0% APR on purchases for 6 months
Discover Student Card – Clear: 0% APR on purchases for 6 months
Discover Student Card – Monogram Collection: 0% APR on purchases for 6 months
IN:NYC® Card from American Express: 0% APR on purchases and balance transfers for 6 months
Blue Sky from American Express: 0% APR on purchases for 6 months
Clear from American Express: 0% APR on purchases for 12 months
IN:CHICAGO® Card from American Express: 0% APR on purchases and balance transfers for 6 months
IN:LA® Card from American Express: 0% APR on purchases and balance transfers for 6 months
Blue from American Express: 0% APR on purchases for up to 15 months
Blue Cash from American Express: 0% APR on purchases for 6 months
Chase Student Flexible Rewards Card: 0% APR on purchases and balance transfers for 6 months
Volkswagen Platinum Rewards Visa Card: 0% APR on purchases and balance transfers for 6 months
Chase +1 Student MasterCard: 0% APR on purchases and balance transfers for 6 months
Chase Home Improvement Rewards Card: 0% APR on purchases and balance transfers for 6 months
Chase Flexible Rewards Platinum Visa: 0% APR on purchases and balance transfers for 6 months
Borders 3.2.1 Visa: 0% APR on purchases and balance transfers for 12 months
Starbucks Platinum Duetto Visa Card: 0% APR on purchases and balance transfers for 6 months
Amtrak Guest Rewards World MasterCard: 0% APR on purchases and balance transfers for 6 months
Chase Platinum MasterCard: 0% APR on purchases and balance transfers for 12 months
Citi PremierPass Card – Elite Level: offer no longer available
Subaru Platinum MasterCard from Chase: 0% APR on balance transfers for 6 months
Toys “R” Us & Babies “R” Us MasterCard: 0% APR on purchases and balance transfers for 6 months
Chase PerfectCard MasterCard: 0% APR on purchases and balance transfers for 6 months
Chase Platinum Visa: 0% APR on purchases and balance transfers for 12 months
SeaMiles Visa Rewards: 0% APR on purchases and balance transfers for 6 months
BP Visa Rewards Card: 0% APR on balance transfers for 6 months
Citi Bronze AAdvantage® Card for College Students: 0% APR on balance transfers for 6 months
Chase Free Cash Rewards Visa Card: 0% APR on purchases and balance transfers for 6 months
Citi Platinum Select Visa Card for Students: 0% APR on purchases, balance transfers, and cash advances for 6 months
Citi Driver’s Edge Card for College Students: 0% APR on purchases, balance transfers, and cash advances for 6 months
Citi Dividend Platinum Select for Students: 0% APR on purchases, balance transfers, and cash advances for 6 months
Citi mtvU Platinum Select Visa Card for College Students: 0% APR on purchases, balance transfers, and cash advances for 6 months
Sony Platinum Visa Card: 0% APR on purchases and balance transfers for 12 months
Citi PremierPass Card: 0% APR on balance transfers for up to 12 months
Speedway SuperAmerica Platinum MasterCard: 0% APR on balance transfers for 6 months
Citi CashReturns MasterCard: 0% APR on balance transfers for up to 12 months
Citi Platinum Select Card: 0% APR on purchases for up to 12 months
Citi Diamond Preferred Rewards Card: 0% APR on purchases and balance transfers for up to 12 months
Citi Diamond Preferred Card: 0% APR on balance transfers for up to 12 months
Citi Dividend Platinum Select Card: 0% APR on balance transfers for up to 12 months
AT&T Universal Savings Platinum Card: 0% APR on balance transfers for up to 12 months
Citi Upromise Card: Offer no longer available
Citi Home Rebate Platinum Select MasterCard: 0% APR on balance transfers for 12 months
Citi Driver’s Edge Options Platinum Select Card: 0% APR on balance transfers for 6 months
AT&T Universal Savings and Rewards Card: 0% APR on balance transfers for up to 12 months
Pulaski Bank Gold Visa Card: 0% APR on balance transfers for 6 months
Pulaski Bank Visa/MasterCard: 0% APR on balance transfers for 6 months
Capital One® No Hassle CashSM Rewards – Good Credit: 0% APR on purchases until December 2008
Capital One® No Hassle MilesSM Rewards – Good Credit: 0% APR on purchases until December 2008
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With any of these cards you want to make sure they double the manufacturers warranty so that when you purchase an item you do not have to worry about the service plans.
Awesome list. Talk about doing your homework. I definitely need to take advantage of one of these cards. I think the 0% offers are a great tool with the holidays coming up. You were going to spend the money anyway, might as well do it interest free. However I agree that it is easy to get carried away since you know you have an interest free line of credit at your disposal.
Awesome list Flexo. However all of them are not devoid of BT fees. That is something to watch for especially when the BT fees are not capped. Would be great i this list could be further divided based on 0$ or capped BT fees v/s a 3% fee.
John: Good idea. I’ll create a list sometime soon with details about balance transfer offers. The climate for taking advantage of these is not getting any better, so it’s harder to find good deals.
That’s quite an impressive list. However, I generally stick with offers I’m pre-approved for. It sort of feels easier and that I get a higher credit line that way, although I’m not sure if that’s valid.