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Compare 0% credit cards

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Looking for a great introductory rate on a credit card? You'll find a whole lot of nothing -- and by that, we mean lots of cards with zero percent teaser rates. Here are 38 no-interest credit cards for consumers from a recent survey by CreditCards.com, a Bankrate-owned website.

CreditCards.com found these zero percent credit card offers when it reviewed about 100 cards from 24 issuers. The sample was meant to be as representative as possible of the cards likely carried by Americans. The card categories included 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.

The chart shows: the name of the card; whether the zero percent deal is offered for purchases, balance transfers or both; the "go-to" annual percentage rate, after the introductory period ends; the length of the teaser period; any bonus offer for new cardholders and the conditions for getting the bonus; and the annual fee, if there is one.

Compare 0% credit cards

Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
Bank of America Accelerated Rewards Card0% for purchases and balance transfers12 months12.99 - 20.99%$50 statement credit$0
Conditions to earn bonus: The cardholder must make $500 in purchases within 90 days of opening the account.
BankAmericard Cash Rewards from Bank of America0% for purchases and balance transfers12 months12.99 - 20.99%$100 cash-back bonus$0
Conditions to earn bonus: The cardholder must make $500 in purchases within 90 days of opening the account.
BankAmericard Cash Rewards Visa Signature Card0% for purchases and balance transfers12 months12.99 - 20.99%$100 cash-back bonus$0
Conditions to earn bonus: The cardholder must make $500 in purchases within 90 days of opening the account.
BankAmericard Power Rewards Visa Signature Card0% for purchases and balance transfers12 months12.99 - 20.99%Triple points on gas, grocery and drugstore for 6 months and a $50 statement credit$0
Conditions to earn bonus: The cardholder gets a $50 statement credit after spending $500 in the first 90 days.
BankAmericard Visa Credit Card0% for purchases and balance transfers15 months10.99 - 19.99% $0
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
Blue Cash Everyday from American Express0% for purchases12 months17.24 - 22.24%$100 cash-back$0
Conditions to earn bonus: The cardholder must spend $1,000 in the first three months.
Blue from American Express0% for purchases12 months15.24 - 20.24%10,000 bonus points$0
Conditions to earn bonus: The cardholder must spend $1,000 in the first three months.
Blue Sky from American Express0% for purchases12 months17.24 - 22.24%$100 statement credit$0
Conditions to earn bonus: The cardholder must spend $1,000 in the first three months.
Capital One No Hassle Cash Rewards (Average Credit)0% for purchases9 months19.80% $39
Capital One No Hassle Cash Rewards (Excellent Credit)0% for purchases and balance transfers12 months12.90 - 20.90%$100 bonus$0
Conditions to earn bonus: The cardholder must spend $500 in the first three months.
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
Carnival World MasterCard from Barclays0% for balance transfers15 months13.99 - 20.99%Up to 10,000 FunPoints$0
Conditions to earn bonus: Cardholders get 5,000 points for their first purchase and 5,000 points for a balance transfer of $5,000 or more within 30 days of opening the account.
Chase Freedom Credit Card0% for purchases and balance transfers15 months12.99 - 22.99%$100 cash back or 10,000 bonus points$0
Conditions to earn bonus: The cardholder must spend $500 in the first three months.
Citi Diamond Preferred Rewards Card MasterCard0% for purchases and balance transfers18 months11.99 - 21.99% $0
Citi Dividend Platinum Select Visa for College Students0% for purchases7 months12.99 - 20.99% $0
Citi Forward0% for purchases and balance transfers12 months12.99 - 20.99%Up to 10,000 ThankYou Points$0
Conditions to earn bonus: The cardholder must make $650 in purchases and sign up for paperless statements within the first three months.
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
Citi Platinum Select Visa0% for purchases and balance transfers18 months11.99 - 21.99% $0
Comerica Bank Visa Platinum Card0% for purchases and balance transfers12 months9.99 - 20.99% $0
Discover Escape Card0% for purchases and balance transfers6 months10.99 - 19.99%25,000 bonus miles$60
Conditions to earn bonus: Cardholders get 1,000 miles each month they make a purchase in the first 25 months.
Discover More Card0% for purchases and balance transfers15 months10.99 - 19.99% $0
Discover Motiva Card0% for purchases and balance transfers15 months10.99 - 19.99% $0
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
Discover Open Road Card0% for purchases and balance transfers15 months10.99 - 20.99% $0
Discover Student More Card0% for purchases9 months12.99 - 18.99% $0
Disney Rewards Visa Card from Chase0% for purchases6 months14.24%$50 Disney gift card for first-time card members only$0
Conditions to earn bonus: The cardholder must make a first purchase.
First National Bank of Omaha Graphite American Express Card0% for purchases and balance transfers12 months13.99 - 19.99%$100 cash-back bonus$99
Conditions to earn bonus: The cardholder must spend $1,000 in the first three billing cycles after the account is opened.
Golf Magazine Rewards Visa Card0% for balance transfers6 months12.24 - 22.24%12 personalized Titleist Pro V1 golf balls$0
Conditions to earn bonus: The cardholder must spend at least $300.
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
L.L.Bean Visa0% for balance transfers6 months13.99 - 19.99% $0
Miles by Discover Card0% for purchases and balance transfers6 months10.99 - 19.99%12,000 bonus miles$0
Conditions to earn bonus: Cardholders get 1,000 miles each month they make a purchase in the first 12 months.
NFL Extra Points Barclay Visa Signature Card0% for balance transfers15 months13.74 - 22.74%10,000 bonus points$0
Conditions to earn bonus: Cardholders get this after the first purchase.
PNC Points Visa Credit Card0% for purchases and balance transfers6 months for intro purchases; 12 months for balance transfers11.99 - 19.99% $0
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
Slate from Chase0% for purchases and balance transfers15 months11.99 - 21.99% $0
Sony Card Visa from Capital One0% for purchases12 months13.90 - 24.90%5,000 bonus points$0
Conditions to earn bonus: The cardholder must make a purchase within 90 days of opening the account, and must be a registered member of Sony Rewards and redeem the bonus through SonyRewards.com.
TrueEarnings Card from Costco and American Express0% for purchases6 months15.24% $0
U.S. Bank Visa Platinum Card0% for purchases and balance transfers12 months9.99 - 23.99% $0
 
Card nameIntro rateIntro periodGo-to APRSign-up bonusAnnual fee
US Airways Premier World MasterCard from Barclays0% for balance transfers6 months15.99 - 24.99%Up to 40,000 bonus miles$89
Conditions to earn bonus: Cardholders get 15,000 with the first use, 15,000 miles after spending $750 in first 90 days, and up to 10,000 with qualifying balance transfer in the first 90 days.
Visa Black Card0% for balance transfers15 months14.99% $495
Wells Fargo Cash Back Card0% for purchases and balance transfers6 months12.15 - 25.99% $0
Wells Fargo Rewards Card0% for purchases and balance transfers6 months12.12 - 25.99% $0
Wyndham Rewards Barclay Visa Signature Card (No annual fee)0% for balance transfers6 months13.24 - 19.24%12,000 bonus points$0
Conditions to earn bonus: Cardholders get this after the first card purchase or balance transfer.

Source: Survey conducted by CreditCards.com in July 2012.

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Product Rate Change Last week
Balance Transfer Cards 15.73%  0.02 15.75%
Cash Back Cards 16.43%  0.02 16.45%
Low Interest Cards 10.98%  0.02 10.96%
 
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