Best 0% APR Credit Cards

6 Cards

Apply online for the best 0% APR credit card offers - Updated August 2020

HSBC Gold Mastercard® credit card

(1 Rating or Review)
Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 18 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 18 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 14.49% - 24.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 12 months
Regular Purchase APR 15.49% - 25.49% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 15.49% - 25.49% (Variable)
Fees
Balance Transfer Fee $0 at this Transfer APR
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 15.49% - 25.49% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 15.49% - 25.49% (Variable)
Fees
Balance Transfer Fee $0 at this Transfer APR
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 15 months
Regular Purchase APR 15.49% - 25.49% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR See Terms
Intro Balance Transfer Period See Terms
Regular Balance Transfer APR 15.49% - 25.49% (Variable)
Fees
Balance Transfer Fee $0 at this Transfer APR
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 15.49% - 24.49% Variable
Fees
Annual Fee See Terms
Foreign Transaction Fee See Terms
Balance Transfers
Intro Balance Transfer APR 0%
Intro Balance Transfer Period 12 billing cycles
Regular Balance Transfer APR 15.49% - 24.49%* (Variable)
Fees
Balance Transfer Fee 4% of each balance transfer; $5 minimum.
  • 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back on all other purchases • Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
  • 0% Introductory APR on Balance Transfers for your first 12 billing cycles, then your variable APR will be 15.49% to 24.49% based on your creditworthiness
  • No international transaction fees on credit purchases
  • No Annual Fee • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 12 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 12 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49% - 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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