0% APR Credit Cards - Start Saving: Apply Today! 0% APR credit cards are a great way to enjoy zero percent interest. They offer an initial 0% APR period, during which you won’t have to pay anything toward interest. This offer generally lasts between three months and a year. The 0% APR is usually applied toward new purchases, balance transfers, or both. Many of these cards offer additional features such as cash back or other reward programs. Look through the selection of 0% APR credit cards below. When you find the right one, fill out an online application. Then start making the most of the 0% APR period.

Citi® Platinum Select® MasterCard® 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months on Purchases* 11.99% - 19.99%* (Variable) None Yes Good

Discover® More Card 0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent

Discover® More Card - Black 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 9 months, then the Regular APR 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 9 months* 11.99% - 20.99% (Variable)* None Yes Excellent

Citi® Dividend Platinum Select® MasterCard® 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter. Full 1% cash back on eligible purchases and cash advances. Earn extra cash back on popular, rotating categories each quarter. Average 5% additional cash back through Citi Bonus Cash Center® No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.99% - 20.99%* (Variable) None Yes Excellent

Slate(SM) from Chase 0% Intro APR for up to 12 months. No Annual Fee. New Innovative Card Design. Blueprint(SM) – free and customizable features Help you avoid unnecessary interest Pay your balances down faster Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% See Terms* 13.24%-22.24% Variable* None Yes Good

Miles by Discover® Card 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year 1 Mile per $1 on every purchase Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year No limit on the Miles you earn and Miles don’t expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months then the regular APR No Annual Fee, No Overlimit Fee, No Redemption Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 10.99% - 16.99% (Variable)* None Yes Good

Citi® Diamond Preferred® Rewards Card $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months* 12.99% - 20.99%* (Variable) None Yes Good

Discover® More Card - $75 Cashback Bonus 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 11.99% - 20.99% (Variable)* None Yes Excellent

0% APR Credit Cards: Understand the Key Terms

Like many credit cards, 0% APR credit cards offer some solid features. In order to make the most of this type of card, you’ll want to understand the terms and conditions before you apply. The key to making a 0% APR credit card work for you lies in the details. Understand the following terms and you’ll be on your way toward making this card work for you in the best possible way.

0% APR APR stands for annual percentage rate, and refers to the interest that the credit card charges on balances. It is stated as a yearly rate. The higher it is, the more you’ll have to pay in interest. The 0% means just that – you won’t have to pay anything in interest during the initial time period.

Introductory Period This refers to how long the 0% APR on your card will last. It usually ranges between three months and a year, depending on your credit history and score. If you want to know how long your 0% APR period will last, find out what your credit score is before you apply for the card. The higher the score, the greater your chances of a longer interest-free period.

Balance Transfer Some 0% APR credit cards let you bring over other balances from other credit cards. This gives you the chance to work on paying off those balances without having to worry about interest charges. If you are currently carrying a high amount of credit card debt, this might be a good option to help you get rid of it. You could bring the balance over the card and pay it down during the interest-free period.

Regular APR This refers to the interest rate that will set in after the initial 0% APR period ends. If your credit card offers six months of 0% APR, you’ll get just that. When that ends, a regular APR will take its place. If you’re carrying a balance at the time, it will start charging interest toward it.

Credit Needed This refers to the required credit rating that you’ll need – generally speaking – in order to get approved for the card. Most 0% APR credit cards require good to excellent credit to get approved.

* See the online cash back credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all cash back credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the credit card issuer's website.