List of 0% APR Credit Card Offers – Doctor Of Credit

General

During the current high-interest environment, 0% APR offers can be useful for cashing out and parking the cash in a high-yield savings account or CD. These are typically found with new credit card approvals, and occasionally banks will send them out for existing customers as well.

Some readers asked for a list of 0% APR cards, and so I’ve put what I found (some from the comments a recent post where I discussed using a 0% APR offer). Hopefully readers will add and update this list as things evolve. I’ll try adding below any 0% offer of 12 months or longer. Feel free to discuss offers and strategies in the comments below.

Caveats

A few caveats:

1. Be sure to always double-check that there is no initial transaction fee (typically it’s 3%), especially for balance transfers – even when it’s 0% there’s often an initial 3% fee with those.
2. Always be sure to check the details well before applying on the actual card application page. Offers are constantly changing, and even the same card might have differing APR offers, depending on the card version or the offer landing page.
3. With some banks you only get a small window (say, 60 days) where you can make a purchase or balance transfer to trigger the 0% APR offer. With other issuers, you get the full offer window (e.g. 12 months) to make the purchase or transfer and still get the 0% APR offer.
4. And finally, be sure to always make the minimum payments. And be sure to pay off the balance entirely before the promotional period ends! 

A few other general notes:

1. Many banks will allow you to reallocate your credit lines. If you have a card with 0% APR, you might easily be able to shift over credit from a different card to increase your credit line on the 0% card. See this post for a bank-by-bank break down.
2. If you carry a balance on a personal credit card it can have a major negative impact on your credit score.
3. If you carry a balance on a business credit card it typically will not affect your personal credit score. See this post where we break this down bank-by-bank.
4. If you quickly rack up a lot of debt on your credit report or with a given bank, it might make them nervous about bust-out fraud and can potentially result in shutdowns.
5. Even when done slowly, some banks might be less likely to approve your future credit card applications.
6. If you are someone who struggles with debt, playing this APR game is probably not best for you.

List of 0% APR Offers

Consumer Cards

1. American Express Blue Cash Everyday – 15 months
2. Bank of America Unlimited Cash Rewards – 18 months
3. Bank of America Travel Rewards – 18 months
4. Bank of America Customized Cash Rewards – 18 months
5. Bank of America Bank Americard – 21 months
6. Capital One Quicksilver – 15 months
7. Capital One SavorOne Rewards – 15 months
8. Capital One VentureOne Rewards – 15 months
9. Chase Slate – 18 months
10. Chase Freedom cards – 15 months
11. Citi Custom Cash – 15 months
12. Citi Diamond Preferred – 21 months on balance transfers and 12 months on purchases
13. Citi Rewards+ – 18 months
14. Citi Simplicity – 21 months on balance transfers and 12 months on purchases
15. Discover – 15 months
16. U.S. Bank Cash+ – 15 months
17. U.S. Bank Visa Platinum – 18 months
18. Wells Fargo Active Cash – 15 months
19. Wells Fargo Reflect – 18 months

Business Cards

1. American Express Blue Business Plus – 12 months
2. American Express Blue Business Cash – 12 months
3. Chase INK Unlimited  – 12 months
4. Chase INK Cash – 12 months
5. U.S. Bank Triple Cash – 15 months