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The Best Zero Introductory APR Credit Cards

Friday, August 12th

What Are the Best Zero Introductory APR Credit Cards?

Moving your credit card balance over to a card with 0 Intro APR can save you a ton of money right away. There's no need to keep paying 25% in interest if you can get a card that gives you a 0% interest rate for 12-18 months. Just be aware that you'll probably need a decent credit score (such as 700 or higher) to qualify.

Do you typically carry a balance month-to-month on your credit card, rather than paying the balance in full? If so, you know how quickly costs add up when you're paying high interest rates. If you've got good credit - think 700 and higher - you can save a lot of money with a 0 Intro APR Credit Card.

No Transfer Fee or No Interest Charges?

When you're considering credit cards, be aware that there's a difference between cards that don't charge you interest for a certain introductory period (usually a year to 18 months), and cards that don't charge you any fees on whatever balances you transfer.

Fortunately, many credit cards combine those two perks. In other words, you'll pay no interest on the amount you transfer over from a high-interest credit card, and you won't be charged any fees.

Be sure to read the fine print on the credit cards that catch your attention. For example, you may find a card that offers 0% Intro APR for the first year and a half you have the card, but you'll pay a 3% balance transfer fee on anything you move to that card. That can still save you a good chunk of change when compared with paying more than 20% in interest on your old card, but it's still a fee.

Credit Cards with Extra Perks and Rewards

Many of the credit cards with no interest fees for the introductory period offer additional benefits that can save you money by putting cash back in your pocket. Depending on the card you choose, you could get 2% cash back on every purchase, 5% back on certain spending categories like restaurants and gasoline, and so on.

While most of these cards don't charge an annual fee, some of them tack on the added benefit of having no foreign transaction fees: a great perk for people who travel overseas for business or leisure.

Another benefit offered by some credit card issuers is complimentary damage protection if you use the card to pay your monthly cell phone bill. There's typically a cap of $600, and you may need to pay a small deductible.

Finally, be sure to look for sign-up bonuses. Yes, it's a pretty big bonus to go from a higher interest rate to no interest, but credit card companies know you have a lot of options. So, sometimes they'll sweeten the deal by giving you extra cash back/rewards if you spend a certain amount in new purchases (not balance transfers) within a designated timeframe. For instance, you might get $150 if you make new purchases totaling at least $500 in the first three months you have the card.

Deciding on the Best 0 Intro APR Card

As you look over all of your options, here are some reminders for what to consider when choosing the best 0 Intro APR Card for you:

  • Fees. If you're going to transfer a balance, will you have to pay a certain amount or percentage? Is there an annual fee for using the card?
  • Intro APR Period. How long will you enjoy a 0% interest rate?
  • Extra Benefits. How rewarding does the credit card company make it to use their card? How much could you get in cash/rewards for using the card on your everyday purchases?

TopConsumerReviews.com has partnered with Lending Tree to help you find the best 0 Intro APR credit cards currently available. We hope this information will give you the insights you need to choose the card that will save you a lot in interest - and may even give you some extra spending money too!

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A zero intro APR credit card is just like any other card - but with an introductory interest rate that is much lower than everyday APRs. For example, you could be paying over 24% in interest on your credit card now, but with an intro APR card you might pay 0% in interest for 6, 12, or 18 months.
Most zero intro APR cards have no annual fees. You might pay a balance transfer fee of 1-5% if you're moving over debts from a current card to your new one, and you'll have the additional "cost" of a temporary decline in your credit score.
Yes, and that's what makes these credit cards so popular. If you're paying 15-30% in interest on your current credit card balance and you transfer it to a zero intro APR card, you'll get an immediate savings (even if you have to pay a small balance transfer fee to do it).
Yes, and they're extremely common. The big credit card issuers are eager to get new accounts, and offering a zero intro APR card is a good way to do it.
If your credit score is good to excellent (i.e. 660+), you will probably qualify for a zero intro APR credit card. The higher your credit score, the more likely you are to be approved (but at higher credit score levels, you're less likely to carry a big balance at a high interest rate!).
Absolutely. Everyone wants to earn points, money, or miles with their everyday purchases, so credit card companies regularly pair up zero intro APR offers with their most popular rewards programs.
Maybe, maybe not. They're ideal for people who have a big credit card balance at a high interest rate, allowing them to save money immediately by moving the debt over to a card with little to no interest fees. If you pay your balance every month, that doesn't apply to you. However, since most introductory APR offers last for 12-18 months, you might want a zero intro APR card if you're planning on making a large purchase (like appliances or materials for home renovation) and want to pay it off over time with no interest charges.
Most online credit card applications are approved within minutes. You may be issued a temporary card number for online purchases, while you wait for a physical card to come in the mail (usually in 7-10 business days).
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