0% APR credit cards
This is a handy list of credit cards offering 0% APR for a limited amount of time, usually 12 months. Wait for your credit score to improve, apply for a dozen of those, and you have access to potentially hundreds of thousands of dollars on unsecured credit at 0%.
| APR | Months | Fee | Percentage | Issuer | Card |
| 0% | 12 | $0 | 0% | Discover | Discover Gas Card |
| 0% | 12 | $0 | 0% | Discover | Discover Platinum American Flag Card |
| 0% | 12 | $0 | 0% | Discover | Discover Platinum Card |
| 0% | 12 | $0 | 0% | Discover | Discover Platinum Card Sea Life Collection |
| 0% | 12 | $0 | 0% | Discover | Discover Platinum Clear Card |
| 0% | 12 | $0 | 0% | Discover | Discover Platinum Wildlife Card |
| 0% | 12 | $0 | 0% | Discover | Miles Card from Discover Card |
| 0% | 12 | $0 | 0% | Citibank | Citi Diamond Preferred Card |
| 0% | 12 | $0 | 0% | Citibank | Citi Platinum Select Card |
| 0% | 12 | $0 | 0% | Citibank | AT&T Universal Platinum Card |
| 0% | 12 | $0 | 0% | Citibank | Citi Home Rebate Platinum Select MasterCard |
| 0% | 12 | $0 | 0% | Citibank | AT&T Universal Rewards Card |
| 0% | 12 | $0 | 0% | Citibank | Citi Driver’s Edge Platinum Select Card |
| 0% | 12 | $0 | 0% | Citibank | Citi PremierPass |
| 0% | 12 | $0 | 0% | Citibank | Citi Upromise Card |
| 0% | 12 | $0 | 3% | Citibank | Citi Diamond Preferred Rewards Card |
| 0% | 12 | $0 | 3% | Citibank | Citi Dividend Platinum Select Card |
| 0% | 12 | $0 | 3% | Chase | Chase Flexible Rewards Platinum Visa |
| 0% | 12 | $0 | 3% | Chase | Chase Free Cash Rewards |
| 0% | 12 | $0 | 3% | Chase | Chase Home Improvement Rewards |
| 0% | 12 | $0 | 3% | Chase | Chase PerfectCard MasterCard |
| 0% | 12 | $0 | 3% | Chase | Chase Platinum MasterCard |
| 0% | 12 | $0 | 3% | Chase | Chase Platinum Visa |
| 0% | 12 | $0 | 3% | Chase | Chase Travel Plus Platinum Visa Card |
| 0% | 12 | $0 | 3% | Chase | Sony Platinum Visa Card |
| 0% | 12 | $0 | 3% | Chase | Borders 3.2.1 |
| 0% | 12 | $0 | 3% | First USA | Volkswagen Platinum Rewards Visa Card |
| 0% | 12 | $0 | 3% | HSBC | GM Flexible Earnings Card |
| 0% | 12 | $0 | 3% | Bank of America | Bank of America Rewards American Express Card |
| 0% | 12 | $0 | 3% | Bank of America | Bank of America Visa Signature WorldPoints Rewards |
| 0% | 12 | $0 | 3% | Bank of America | Bank of America World MasterCard with WorldPoints |
| 0% | 12 | $0 | 3% | Bank of America | Bank of America WorldPoints Platinum Plus MasterCard |
| 0% | 12 | $0 | 3% | Bank of America | TripRewards MasterCard Credit Card |
| 0% | 12 | $75 | 0% | Citibank | Citi PremierPass |
| 0%* | 6 | $0 | 0% | Bank of America | Bank of America Platinum Plus Visa Card |
| 0% | 6 | $0 | 0% | American Express | IN:CHICAGO Card from American Express |
| 0% | 6 | $0 | 0% | American Express | IN:LA Card from American Express |
| 0% | 6 | $0 | 0% | American Express | IN:NYC Card from American Express |
| 0%* | 6 | $0 | 0% | Bank of America | Efectiva Platinum Plus Visa |
| 0% | 6 | $0 | 0% | Bank of America | Financial Rewards Visa Platinum Plus |
| 0%* | 6 | $0 | 0% | Bank of America | Money Return Visa Platinum Plus |
| 0% | 6 | $0 | 0% | Bank of America | PetRewards Platinum Plus Visa Credit Card |
| 0% | 6 | $0 | 0% | Pulaski Bank | Pulaski Bank Gold Visa Card |
| 0% | 6 | $0 | 3% | Chase | Chase Overstock.com Rewards Visa Card |
| 0% | 6 | $0 | 3% | Chase | Starbucks Card Platinum Duetto Visa Card |
| 0% | 6 | $0 | 3% | Chase | Subaru Platinum MasterCard from Chase |
| 0% | 6 | $0 | 3% | Chase | Universal Entertainment Platinum MasterCard |
| 0% | 6 | $0 | 3% | Chase | BP Visa Rewards Card |
| 0% | 6 | $0 | 3% | Chase | Toys”R”Us & Babies”R”Us MasterCard |
| 0% | 6 | $0 | 3% | Chase | Amazon.com Platinum Visa Card |
| 0%* | 6 | $19 | 0% | Bank of America | MilesEdge Card |
| 0% | 6 | $35 | 0% | Pulaski Bank | Pulaski Bank Visa/MasterCard |
| 0% | 6 | $50 | 0% | Bank of America | US Airways Visa Credit Card |
| 0% | 6 | $90 | 0% | Bank of America | US Airways Visa Signature Credit Card |
| * If balance transfer is submitted during application | |||||