For individuals with above average credit scores, 0% APR cards are your best credit card deals. Generally, 0% APR cards are offered for balance transfers, although there are some promotions that offer 0% APR on new purchases for a certain period of time. If you have high interest balances on credit cards, look for 0% APR cards. Once you transfer your balance, you can make payments interest-free. We offer a variety of 0% APR cards, with three, six, or twelve month repayment periods. Look for 0% APR cards to save money on your credit card balances. Choose your card from the selection below. Then click the "Apply Now" button for a secure online application.
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
Purchase Intro APR
0% 15 billing cycles
Balance Transfer Intro APR
0% 15 billing cycles
9.99% - 23.99%* (Variable)
Three Reasons a 0% APR Credit Card may be Right for You
Thinking about getting a new credit card? As you look for one, you’ll find that many cards come with a 0% APR introductory offer. This means that you won’t be charged any interest for a certain period of time. The 0% APR can apply to purchases, balance transfers, or both. Here are three reasons this card may be the one for you:
1. Help with holiday shopping. Need to get through December and don’t have much cash? A 0% APR credit card will let you buy your gifts now, and then use the next few months to pay off the balance.
2. An interest-free loan. With credit tightening throughout the economy, your finances may be feeling pinched. Yet if you need a loan, it might be harder to get one, as lenders are handing out less credit now than before. With a 0% APR card, you can give yourself a loan. Use the card, and then set up a payment plan to pay off the balance before the regular interest rate sets in.
3. A way to track your spending. If you have a small business or simply want to see where all of your money is going, you can keep track with the card. Every month, you can check the statement to find out how much you spent. With 0% APR, you won’t be charged any interest for an initial period. This can help you clearly see the amounts of your purchases, as well as how much you have paid toward the balance.
Just as you would with other cards, you’ll want to use a 0% APR credit card wisely. If you use the card right away and then pay off the balance in a few months, you’ll be able to save a lot of money in interest charges. And that may be just the boost you need to get through the holiday season this year.
Important Notices and Disclosures:* See the credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all 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. CardGuys.com is an independent, advertising-supported comparison service. This site may be compensated when a user clicks an "apply now" button.