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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 name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
Bank of America Accelerated Rewards Card	0% for purchases and balance transfers	12 months	12.99 - 20.99%	$50 statement credit	$0
Bank of America Accelerated Rewards Card	Conditions to earn bonus: The cardholder must make $500 in purchases within 90 days of opening the account.
BankAmericard Cash Rewards from Bank of America	0% for purchases and balance transfers	12 months	12.99 - 20.99%	$100 cash-back bonus	$0
BankAmericard Cash Rewards from Bank of America	Conditions to earn bonus: The cardholder must make $500 in purchases within 90 days of opening the account.
BankAmericard Cash Rewards Visa Signature Card	0% for purchases and balance transfers	12 months	12.99 - 20.99%	$100 cash-back bonus	$0
BankAmericard Cash Rewards Visa Signature Card	Conditions to earn bonus: The cardholder must make $500 in purchases within 90 days of opening the account.
BankAmericard Power Rewards Visa Signature Card	0% for purchases and balance transfers	12 months	12.99 - 20.99%	Triple points on gas, grocery and drugstore for 6 months and a $50 statement credit	$0
BankAmericard Power Rewards Visa Signature Card	Conditions to earn bonus: The cardholder gets a $50 statement credit after spending $500 in the first 90 days.
BankAmericard Visa Credit Card	0% for purchases and balance transfers	15 months	10.99 - 19.99%		$0

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
Blue Cash Everyday from American Express	0% for purchases	12 months	17.24 - 22.24%	$100 cash-back	$0
Blue Cash Everyday from American Express	Conditions to earn bonus: The cardholder must spend $1,000 in the first three months.
Blue from American Express	0% for purchases	12 months	15.24 - 20.24%	10,000 bonus points	$0
Blue from American Express	Conditions to earn bonus: The cardholder must spend $1,000 in the first three months.
Blue Sky from American Express	0% for purchases	12 months	17.24 - 22.24%	$100 statement credit	$0
Blue Sky from American Express	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 purchases	9 months	19.80%		$39
Capital One No Hassle Cash Rewards (Excellent Credit)	0% for purchases and balance transfers	12 months	12.90 - 20.90%	$100 bonus	$0
Capital One No Hassle Cash Rewards (Excellent Credit)	Conditions to earn bonus: The cardholder must spend $500 in the first three months.

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
Carnival World MasterCard from Barclays	0% for balance transfers	15 months	13.99 - 20.99%	Up to 10,000 FunPoints	$0
Carnival World MasterCard from Barclays	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 Card	0% for purchases and balance transfers	15 months	12.99 - 22.99%	$100 cash back or 10,000 bonus points	$0
Chase Freedom Credit Card	Conditions to earn bonus: The cardholder must spend $500 in the first three months.
Citi Diamond Preferred Rewards Card MasterCard	0% for purchases and balance transfers	18 months	11.99 - 21.99%		$0
Citi Dividend Platinum Select Visa for College Students	0% for purchases	7 months	12.99 - 20.99%		$0
Citi Forward	0% for purchases and balance transfers	12 months	12.99 - 20.99%	Up to 10,000 ThankYou Points	$0
Citi Forward	Conditions to earn bonus: The cardholder must make $650 in purchases and sign up for paperless statements within the first three months.

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
Citi Platinum Select Visa	0% for purchases and balance transfers	18 months	11.99 - 21.99%		$0
Comerica Bank Visa Platinum Card	0% for purchases and balance transfers	12 months	9.99 - 20.99%		$0
Discover Escape Card	0% for purchases and balance transfers	6 months	10.99 - 19.99%	25,000 bonus miles	$60
Discover Escape Card	Conditions to earn bonus: Cardholders get 1,000 miles each month they make a purchase in the first 25 months.
Discover More Card	0% for purchases and balance transfers	15 months	10.99 - 19.99%		$0
Discover Motiva Card	0% for purchases and balance transfers	15 months	10.99 - 19.99%		$0

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
Discover Open Road Card	0% for purchases and balance transfers	15 months	10.99 - 20.99%		$0
Discover Student More Card	0% for purchases	9 months	12.99 - 18.99%		$0
Disney Rewards Visa Card from Chase	0% for purchases	6 months	14.24%	$50 Disney gift card for first-time card members only	$0
Disney Rewards Visa Card from Chase	Conditions to earn bonus: The cardholder must make a first purchase.
First National Bank of Omaha Graphite American Express Card	0% for purchases and balance transfers	12 months	13.99 - 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 Card	0% for balance transfers	6 months	12.24 - 22.24%	12 personalized Titleist Pro V1 golf balls	$0
Golf Magazine Rewards Visa Card	Conditions to earn bonus: The cardholder must spend at least $300.

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
L.L.Bean Visa	0% for balance transfers	6 months	13.99 - 19.99%		$0
Miles by Discover Card	0% for purchases and balance transfers	6 months	10.99 - 19.99%	12,000 bonus miles	$0
Miles by Discover Card	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 Card	0% for balance transfers	15 months	13.74 - 22.74%	10,000 bonus points	$0
NFL Extra Points Barclay Visa Signature Card	Conditions to earn bonus: Cardholders get this after the first purchase.
PNC Points Visa Credit Card	0% for purchases and balance transfers	6 months for intro purchases; 12 months for balance transfers	11.99 - 19.99%		$0

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
Slate from Chase	0% for purchases and balance transfers	15 months	11.99 - 21.99%		$0
Sony Card Visa from Capital One	0% for purchases	12 months	13.90 - 24.90%	5,000 bonus points	$0
Sony Card Visa from Capital One	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 Express	0% for purchases	6 months	15.24%		$0
U.S. Bank Visa Platinum Card	0% for purchases and balance transfers	12 months	9.99 - 23.99%		$0

Card name	Intro rate	Intro period	Go-to APR	Sign-up bonus	Annual fee
US Airways Premier World MasterCard from Barclays	0% for balance transfers	6 months	15.99 - 24.99%	Up to 40,000 bonus miles	$89
US Airways Premier World MasterCard from Barclays	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 Card	0% for balance transfers	15 months	14.99%		$495
Wells Fargo Cash Back Card	0% for purchases and balance transfers	6 months	12.15 - 25.99%		$0
Wells Fargo Rewards Card	0% for purchases and balance transfers	6 months	12.12 - 25.99%		$0
Wyndham Rewards Barclay Visa Signature Card (No annual fee)	0% for balance transfers	6 months	13.24 - 19.24%	12,000 bonus points	$0
	Conditions to earn bonus: Cardholders get this after the first card purchase or balance transfer.