ZERO APR CREDIT CARDS

0 Intro APR Credit Cards
Apply online for your new zero APR platinum or cash reward credit card. Start save today!
We offer a comprehensive list of the 2004 online available, zero introductory APR credit cards, with safe instant approval. It's easy to calculate how much interest you have to pay with a 0 APR card. If you are paying on time, the interest will be zero. Some offers come with cash back option, even.

Do you know what is a Prime Rate?

The Prime Rate is the Index used to calculate the interest rate on your account. For each billing cycle, the Index is determined in the month prior to the month in which the billing cycle ends. In that prior month, the highest Prime Rate published in The Wall Street Journal is selected (the "Index"). If the Index has changed, the new variable rates will take effect with the billing cycle that ends on or after the first day of the month following the Index change.

What is a Variable Rate?

A variable rate is a rate that can change because it is based on an Index. In the case of a major credit card, the Index is the Prime Rate. The Index is added to the Spread to determine the Annual Percentage Rate. For example, if the Prime Rate is 9%, and the Spread is 9.99%, the Variable Rate would be an 18.99% Annual Percentage Rate.

What is a Default Rate?

The Default APR is the rate charged on your entire Account Balance if your Minimum Payment is received and posted after the Payment Due Date, you exceed your credit limit , or you are otherwise in default under the terms of the Cardmember Agreement and Disclosure Statement.

What is a Cash Advance?

A cash advance is a withdrawal against the available credit on your credit card account and are all advances made by cash advanced over the counter, through an ATM, by check or other "cash-like" transactions. There is no grace period when you obtain a cash advance and finance charges begin to accrue on the transaction date. Cash advance amounts may be limited. Usually, there is a Cash Advance APR.

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Balance transfer credit cards
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Low APR Credit cards
Transfer your existing balance to a new 0% intro APR credit card with Credit card balance transfers
Offers for various balance transfer card programs, secured and unsecured.
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Blue Cash(R) from American Express

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Choose your cash back reward: Enjoy the flexibility of redeeming your cash back rewards for statement credits, gift cards and a wide array of merchandise anytime.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee	Yes	0% on Purchases for 6 months	17.24%-21.24% Variable	American Express

Blue Sky from American Express(SM)

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee	Yes	0% on Purchases for 6 months	17.24%-21.24% Variable	American Express

Platinum Delta SkyMiles(R) Credit Card from American Express

Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
Earn one companion Coach Class ticket each year upon renewal
Earn at least 1 mile for every eligible dollar spent
Miles never expire and there is no cap on the miles you can earn
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
Express Approval. Get a decision in less than 60 seconds.
Check your first bag free on every Delta flight

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$150 per year	Yes	None	14.5% variable	American Express

American Express (R) Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$125 annual fee	N/A	N/A	N/A	American Express

Starwood Preferred Guest(R) Credit Card from American Express

Earn up to 25,000 Starpoints (SM) - enough for two free nights at the Westin St. Francis in San Francisco, the W Boston or any other category 5 hotel.
Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
No annual fee for the first year and $65 thereafter.
Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No annual fee for the first year - $65 thereafter	Yes	2.90% on Purchases and Balance Transfers for 6 months	15.24% variable	American Express

The Platinum Card(R) from American Express

Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$450 annual fee	N/A	N/A	N/A	American Express

True Earnings(R) Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee with your paid Costco Membership	Yes	0% on Purchases for 6 months	15.24% variable	American Express

Zync from American Express(SM)

Earn 10,000 Membership Rewards® points after first purchase.
Enjoy a low annual fee of just $25 for Basic Card
Pay no interest - that's because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$25 annual fee	N/A	N/A [You must pay your balance in full each month]	N/A [You must pay your balance in full each month]	American Express