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79 Cards Offering 0% APR on Purchases, Balance Transfers, or Cash Advances

This article was written by in Credit. 10 comments.


Editor’s Note: Thank you for your interest, these offers have expired and are no longer available.

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.

Note: Since posting this list on November 27, 2007, many issued have canceled these offers. The list below reflects what is currently available of the original 79 offers.

Discover Business Miles Card
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.

Here are more 0% interest introductory offers on purchases, balance transfers and cash advances.

Discover More Card: 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

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
Blue Sky from American Express: 0% APR on purchases for 6 months
Clear from American Express: 0% APR on purchases for 12 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

Citi mtvU Platinum Select Visa Card for College Students: 0% APR* on purchases for 7 months, if you qualify, based on your application and credit history*

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 October 2009
Capital One® No Hassle MilesSM Rewards – Good Credit: 0% APR on purchases until October 2009

Updated October 10, 2014 and originally published November 27, 2007. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

{ 5 comments… read them below or add one }

avatar The Saving Freak

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.

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avatar Danny Tsang

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.

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avatar John

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.

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avatar Luke Landes ♦127,505 (Platinum)

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.

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avatar lc

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.

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