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Survey highlights: Best 0% credit cards

Credit Cards » 0% Credit Cards » Survey Highlights: Best 0% Credit Cards, a Bankrate-owned website, reviewed some 100 cards from 24 issuers and found 38 offers of "0% credit cards." The sample was meant to be as representative as possible of the cards likely carried by Americans, in categories including student, business, rewards and cash-back cards, among others. Bankrate has disregarded the business cards, leaving a field of 89 consumer cards from which this list of 38 interest-free credit cards was derived.

From that list, we have culled the best options for several enticing terms.

The survey's best 0% credit cards

Enticing featureCardThe deal
Best go-to interest rate when zero percent rate expiresComerica Bank Visa Platinum CardAs low as 9.99 percent
U.S. Bank Visa Platinum CardAs low as 9.99 percent
Best cash back sign-up bonusBankAmericard Cash Rewards from Bank of America$100
BankAmericard Cash Rewards Visa Signature Card$100
Blue Cash Everyday from American Express$100
Capital One No Hassle Cash Rewards (Excellent Credit)$100
Chase Freedom Credit Card$100
First National Bank of Omaha Graphite American Express Card$100
Best points/miles sign-up bonusUS Airways Premier World MasterCard from BarclaysUp to 40,000 miles
Best sign-up bonus for your golf gameGolf Magazine Rewards Visa CardOne dozen personalized Titleist Pro V1 golf balls

Source: Survey conducted by in July 2012.


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Product Rate Change Last week
Balance Transfer Cards 15.80% --0.00 15.80%
Cash Back Cards 16.42% --0.00 16.42%
Low Interest Cards 11.09% --0.00 11.09%
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