0% Credit Cards–A Massive List of No Interest Credit Card Offers

In part due to the new credit card law that goes into effect next year, 0% credit cards have become harder and harder to find. Whether you are looking for a 0% balance transfer or trying to find a no interest card for purchases, there are a lot fewer choices today than there were 12 months ago.

So I’ve put together an exhuastive list of 0% credit card offers. For each card you’ll find how long the zero percent interest deal lasts on balance transfers and on purchases. You’ll also find the balance transfer fee and the annual fee, if any. Clicking on the card name will take you to either our review of the card or the card issuer’s site where you can get more details on the card. And if you know of a 0% credit card we should add to the list, please let us know. With that, here’s the list:

Credit Card	0% Purchases (months)	0% Balance Transfer (months)	Balance Transfer Fees (min/max)	Annual Fee
Citi 0% Credit Cards
Citi® Platinum Select® MasterCard® Editor’s Pick	up to 12	up to 12	3% ($5/none)	$0
Citi Foward(SM) Card	6	6	3% ($5/none)	$0
Citi® mtvU™ Platinum Select® Visa® Card for College Students	6	6	3% ($5/none)	$0
Citi Forward(SM) Card for College Students	6	6	3% ($5/none)	$0
Citi® Diamond Preferred® Card	up to 12	up to 12	3% ($5/none)	$0
Citi Professional(SM) Cash Card	6	N/A	N/A	$0
Citi Professonal(SM) Card with Thank You® Network	6	N/A	N/A	$0
Citi Professional(SM) Card	6	N/A	N/A	$0
Discover 0% Credit Cards
Discover More Card	6	6	3% (none/none)	$0
Discover Open Road Card	6	6	3% (none/none)	$0
Miles by Discover Card	6	6	$0 (none/none)	$0
Escape by Discover Card	6	6	$0 (none/none)	$60
Discover Student Card	6	N/A	N/A	$0
Discover Student Open Road Card	6	N/A	N/A	$0
American Express 0% Credit Cards
TrueEarnings® Card from Costco and American Express	3	N/A	N/A	$0
Blue from American Express®	up to 12	N/A	N/A	$0
Blue Cash® from American Express	up to 12	N/A	N/A	$0
Blue Sky from American Express	up to 12	N/A	N/A	$0
Clear from American Express®	up to 12	N/A	N/A	$0
IberiaBank 0% Credit Cards Please Note: To process your application, IberiaBank requires proof of income on both the applicant and co-applicant (if applicable).
Visa Classic	N/A	6	$0	$0
Visa Gold	N/A	6	$0	$0
Visa Platinum	N/A	6	$0	$0
Capital One 0% Credit Cards
Capital One® Platinum Prestige	until May 2010	until May 2010	3%	$0
No Hassle Points Rewards(SM)	until May 2010	N/A	N/A	$0
No Hassle Miles Rewards(SM)	until May 2010	N/A	N/A	$0
No Hassle Miles(SM) Ultra for Professionals	until May 2010	N/A	N/A	$39
No Hassle Cash(SM) Rewards	until May 2010	N/A	N/A	$0
Capital One® Orbitz® Visa® Platinum	until May 2010	N/A	N/A	$0
Capital One® Platinum	until May 2010	until May 2010	3%	$0
MTV® Visa®	until May 2010	N/A	N/A	$0
Capital One® Standard Platinum	until Nov. 2009	N/A	N/A	$0
Classic Platinum for Young Adults	until Nov. 2009	N/A	N/A	$19
No Hassle Cash(SM) Rewards for Young Adults	until Nov. 2009	N/A	N/A	$29
No Hassle PointsSM Rewards for Young Adults	until Nov. 2009	N/A	N/A	$29
Chase 0% Credit Cards
Chase Platinum Card	up to 12	up to 12	3% ($5/none)	$0
Disney Rewards® Visa® Card	6	6	3% ($5/$249)	$0
Chase Freedom(SM) Credit Card	6	6	3% ($5/none)	$0
AARP Rewards Platinum Visa® Card	6	6	3% ($5/none)	$0
Bank of America 0% Credit Cards
Bank of America® Accelerated Rewards® American Express® Card	N/A	12 billing cycles	3% ($10/none)	$0
Bank of America® Accelerated Cash Rewards American Express® Card	N/A	12 billing cycles	3% ($10/none)	$0
WorldPoints® Platinum Plus® MasterCard® Credit Card	N/A	12 billing cycles	3% ($10/none)	$0
HSBC 0% Credit Cards
HSBC Platinum MasterCard® with Cash Back Rewards	12	12	3% ($15/none)	$0

0% Credit Card Tips

As you evaluate the 0% credit cards to find the best one for your financial needs, consider the following:

Risk Based Pricing: Almost all credit cards today use risk based pricing. What this means is that the actual terms of the card will vary depending on the applicant’s credit history. Varying interest rates and balance transfer terms, among other things, can be offered based on a individual’s credit. As an example, here is the disclosure from HSBC:

It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR or 1% unlimited cash back, and with different terms and conditions which will be disclosed to you before your application is processed.

Consider 2 or more cards: Depending on your financial needs, it may be best to have more than one 0% credit card. For example, if you want to take advantage of both a 0% balance transfer and get 0% on purchases, it’s best to use two separate cards. There are several reasons for this. For example, if the 0% on purchases expires before the 0% on balance transfers, any extra payment you make will go to the higher interest on purchases first. This changes under the new credit card law, but not until 2010.

Second, you may want to use the entire available credit limit on a balance transfer, which would not leave any available credit to take advantage of the 0% on purchases.

Balance transfer fees: Note that all but a few of the cards charge a balance transfer fee. IberiaBank is currently the only issuer on the list to have a no fee balance transfer offer. Keep in mind, however, that the introductory rate lasts just six months, making some of the 12-month offers a better deal. If you’d like to know which card we think is the best for transfers, check out the Best Balance Transfer Offer Available.

Terms changed: Finally, keep in mind that credit card terms change frequently. While we strive to keep this page updated and accurate, you should always confirm the terms of any offer before applying.

Get the book–99 Painless Ways to Save Serious Money!