Best 0% Intro APR
Credit Cards of 2019

Keep more of your own money with these zero interest cards!

Citi® Double Cash Credit Card

Citi® Double Cash Credit Card
User rating:

Intro APR%

0% for 18 months ?

Regular APR%

15.49%-25.49% ?

Annual Fee

$0

6.7

Chase Freedom® Credit Card

2 Chase Freedom® Credit Card
User rating:

Intro APR%

0% for 15 months ?

Regular APR%

16.99%-25.74% ?

Annual Fee

$0

9

Citi® Simplicity Card

3 Citi® Simplicity Card
User rating:

Balance Transfer APR%

0% for 21 months ?

Regular APR%

16.24%-26.24% ?

Annual Fee

$0

6.4

American Express Cash Magnet

American Express Cash Magnet
User rating:

Balance Transfer APR%

0% for 15 months ?

Regular APR%

15.25%-26.24% ?

Annual Fee

$0

9

Discover it® Miles Travel Credit Card

2 Discover it® Miles Travel Credit Card
User rating:

Intro APR%

0% for 14 months ?

Regular APR%

13.99%-24.99% ?

Annual Fee

$0

9

US Bank Visa® Platinum Card

3 US Bank Visa® Platinum Card
User rating:

Intro APR%

0% for 20 months ?

Regular APR%

11.74%-23.74% ?

Annual Fee

$0

9

Wells Fargo Platinum Visa Card

Wells Fargo Platinum Visa Card
User rating:

Intro APR%

0% for 20 months ?

Regular APR%

11.74%-23.74% ?

Annual Fee

$0

9

BankAmericard Credit Card

2 BankAmericard Credit Card
User rating:

Balance Transfer APR%

0% for 2 months ?

Regular APR%

15.24%-25.24% ?

Annual Fee

$0

8

Chase Freedom Unlimited Credit Card

3 Chase Freedom Unlimited Credit Card
User rating:

Intro APR%

0% for 15 months ?

Regular APR%

17.24%-25.99% ?

Annual Fee

$0

9

Discover it Cash Back Card

Discover it Cash Back Card
User rating:

Intro APR%

0% for 14 months ?

Regular APR%

14.24% to 25.24% ?

Annual Fee

$95

9

Bank of America Cash Rewards Credit Card

2 Bank of America Cash Rewards Credit Card
User rating:

Intro APR%

0% for 15 months ?

Regular APR%

16.24% to 26.24% ?

Annual Fee

$0

9

Blue Cash Everyday American Express

3 Blue Cash Everyday American Express
User rating:

Intro APR%

0% for 15 months ?

Regular APR%

15.24% to 26.24% ?

Annual Fee

$0

9

US Bank Cash+ Visa Signature Card

US Bank Cash+ Visa Signature Card
User rating:

Intro APR%

0% for 12 months ?

Regular APR%

15.99% to 25.49% ?

Annual Fee

$0

9

Wells Fargo Cash Wise Visa Card

2 Wells Fargo Cash Wise Visa Card
User rating:

Intro APR%

0% for 15 months ?

Regular APR%

15.99% to 27.99% ?

Annual Fee

$0

9

Blue Cash Preferred American Express

3 Blue Cash Preferred American Express
User rating:

Intro APR%

0% for 12 months ?

Regular APR%

14.99% to 25.99% ?

Annual Fee

$0

9

Citi Rewards Plus Credit Card

Citi Rewards Plus Credit Card
User rating:

Intro APR%

0% for 15 months ?

Regular APR%

15.49%-25.49% ?

Annual Fee

$0

9

MLB Cash Rewards Credit Card

2 MLB Cash Rewards Credit Card
User rating:

Intro APR%

0% for 12 months ?

Regular APR%

15.24% - 25.24% ?

Annual Fee

$0

9

Best 0% Introductory Rate Credit Cards

Pay No Interest With these 0% Intro Rate Credit Cards

 What is a Low Introductory Rate Credit Card, and How Do They Work?

Some credit cards will offer a 0% APR for a certain amount of time as an introductory bonus, meaning that you can receive no interest on your purchases until it expires. This is perfect for people looking to pay off debt as quickly as possible and especially for those looking to combine their debt with a balance transfer.

How do they work?

A credit card company will offer you a 0% interest introductory perk. It will usually last for about 6 months- 1 year and either be applicable for balance transfers or purchases. You can then use the card normally and not gain any interest while you’re paying it off. Alternatively, you can use it to pay off debt quickly in a consolidated manner, but watch out for balance transfer fees. Once the introductory period is up, you’ll be charged an interest fee if you’re not able to pay off the full balance by then.


What are the benefits?

The biggest benefit you’re going to get from a card with a 0% APR introductory period is the ability to pay purchases off over time without being charged lots of interest. It allows you to take charge over your debt and have the biggest amount of an impact in paying off that debt as possible.

What are the drawbacks?

You’re going to lose that 0% interest rate at some point. Make sure that you have that date in mind while using the credit card. You can also still hurt your credit with these cards. Consider the amount of credit you have borrowed against your credit line and make sure you aren’t going overboard.

Maximizing the benefits

  • If you’re getting 0% APR in order to pay off your debts quickly and without accruing more interest, be sure that you will have that debt paid off by the time the special interest rate expires.
  • Do not miss your payments or go over your credit limit, or it’s likely you will be charged those interest fees for the month you miss. After that, it’s possible that they’ll take away your 0% for good.
  • If you need to make a big purchase that you can’t pay for up front, you can use the 0% APR to pay it off on your own time without having to pay extra. Definitely turn to opening one of these cards before taking out a loan, as it’s really going to save you a lot of money in the end.
  • If you’re using the card as a balance transfer card, do not begin making purchases with the card. This is just going to lead you to have more debt to pay off, making it harder for you to get your head out of the water.
  • Use the card during holidays or other financially pressing times to help make the burden a little lighter. You can also save the card so that, just in case you have an emergency expense, you’ll have the money available and you don’t have to pay it back immediately.

How to choose a card

The first thing you need to consider is whether you want a card that has 0% interest for a balance transfer or for purchases.

Balance transfers are excellent for paying off debt fast. You can find a card that will allow you to transfer your balance from one credit card to one without interest. This card will save you by not building up interest on your account while you’re trying to make a good dent into your credit line.

Pay attention to balance transfer fees in the fine print. If you’re looking to do a balance transfer, make sure your 0% APR is going to apply to that. That’s especially helpful if you don’t plan on making any purchases on your card, allowing you to better focus on paying off those debts. However, if you just aren’t wanting to spend extra money on interest from your purchases, you don’t need to worry about having the balance transfer rate as well.

If you want 0% for your future purchases instead, then look for cards that also have bonus rewards so that you can earn rewards while saving money, all while making whatever purchases you like.

Figure out how much you can reasonably pay each month to pay off your debt and how long it will take you. Then look for a card whose introductory APR is going to last that amount of time, or at least as close as possible. If you don’t think you can pay it off in the amount of time they offer, choose one that has a low interest rate after the introductory rate runs out. However, don’t sacrifice a low rate following the introductory period for a longer introductory rate period of time. Figure out the math first to determine which will save you the most money by the end. Also, look out for annual fees.

Don’t apply for too many cards, as you may end up hurting your credit score from inquiries. Also, if you close your account after paying off your debt, you may lower your credit score. Instead, try putting a small monthly recurring payment on the card and pay it off immediately. This is likely to increase your credit score more over time.

Try getting a card that overlaps with another area you charge often in, like an airline miles card or cash back rewards card.

Should I get a 0% introductory rate credit card?

If you’re good about paying off your whole balance monthly, then this card isn’t really necessary. However, if you are making large purchases, trying to pay off debt, or trying to substitute your loans with cards, then having no interest is a much-needed feature. It’s especially helpful when you find yourself spending too much on interest and not putting an impact on the big picture of your debt. This card allows you to put your best money forward and pay off what you can’t afford immediately without sacrificing too much interest for it.

Low introductory rate credit cards are among some of the most appealing credit cards. To clarify, an introductory rate is a low-interest rate – sometimes as little as 0% – that applies to your balance for a set period of time after you open your credit card. Introductory rates are typically given to applicants with high credit scores.

Depending on the card that you are looking at the introductory rate may apply only to a specific type of balance. A great example of this is balance transfers. There are several low introductory cards out there that only offer that low interest rate to balances that were transferred from a higher interest card. That said, there are also a lot of credit cards that apply the introductory rate to both balance transfers and new purchases. However, it is unlikely that an introductory rate would apply to a cash advance.

Now, as discussed earlier in order for a low introductory rate to apply, you might have to make the purchases or the balance transfer within a specific time period, or by a certain date. Details and specifics such as these vary by card but should be well researched prior to signing up for a card, thus allowing you to make the best choice for you.

How Long Do Low Introductory Rates Generally Last?

By law, introductory credit card rates must last a minimum of six months. However, they can be longer, depending on the credit card in question. For example, you might come across credit cards with an introductory rate for the minimum six months, some for a year, and then some as long as almost two years.

The credit card company has the option to describe the introductory rate in terms of either months or billing cycles. It is important to note that due to the face that a billing cycle is typically a shorter time period than a calendar month, a 12-billing cycle introductory rate is shorter than 12 actual calendar months. For example, if a credit card has a 27-day billing cycle, a 12-month low introductory rate would actually equate to last ten months and about three weeks.

Remember, when you sign up for a credit card that offers an introductory rate, it is essential that you make sure you are fully aware of the proper length of the introductory period. By ensuring that you know this information, you can focus on paying off your balance prior to the end of the low introductory rate time period.

Benefits of a Low Introductory Rate Credit Card

  • Low interest rates as low as 0% are available
  • Great opportunity to do a balance transfer and pay off already existing debt

Drawbacks of a Low Introductory Rate Credit Card

  • If the balance is not paid off during the set low introductory rate period, you risk being hit with an exceptionally high-interest rate.

Is There a Difference Between a Low Introductory Rates vs. Deferred Interest?

While we have gone over what a low introductory rate is, if you are unfamiliar with low introductory rate credit cards, or financial products, you might likely get a low introductory rate and deferred interest plan confused. This is a common mistake; however, in order to make the best financial choices, it is imperative that you understand the difference. A lot of stores offer what is called a deferred interest plan. This plan allows you to pay no interest on the purchases you make at the store, during a specific time period, for a certain number of months afterward. Sounds great right? It is – if used wisely. But there is a catch. In order to benefit from a deferred interest rate, you have to pay off the total outstanding balance prior to the promotional period ending. If any of the balance remains unpaid when the promotional period comes to an end, you will be retroactively charged interest starting from the original purchase date.

How to Choose the Best Low Introductory Rate Credit Card for You

There are a lot of benefits to getting a low introductory rate credit card, but like every other financial product on the market, there are some that can offer you way more than others? Yes – even more than 0% APR for the first year. But a lot of people don’t know about them. That is why it is so essential that you do your research prior to signing up for a low introductory rate credit card – or any financial product. A lot of the time – like with these credit cards- they can offer so much more than what is typically thought. Read on to find out about some of the things you should keep an eye out for when considering a low introductory rate credit card.

Look for Options with 0% APR on Both Balance Transfers and New Purchases

The reality is that there are tons of low introductory rate credit cards will offer new customers interest-free promotional financing on either balance transfers or new purchases – not both. However, if you do your research, you will be able to find that there are actually low introductory rate credit cards that offer 0% APR on both. Look for these. By having the option to use your card, and do a balance transfer while still maintaining that low introductory rate, you will be letting yourself get the most out of your new card.

Look for the Best Benefits for the Cardholder

While you can’t get less than a 0% APR introductory financing offer, you can find cards that offer additional cardholder benefits. Some cards, for example, feature a 0% introductory APR for over 18 months on balance transfers and 12 months on purchases.

Try to Find Cards with the Lowest Balance Transfer Fee Possible

Even if your credit card offers a 0% APR financing on balance transfers, the majority of credit cards still impose a significant balance transfer fee. In fact, this standard fee is generally around 3 to 5% of the amount transferred. This then gets added to your new card’s balance. Low introductory rate or not – that 3-5% adds up

Look at the Sign Up Bonuses

We all know that there is no such thing as a credit card with a negative interest rate. But did you know that several credit cards offer a 0% APR introductory rate as well as a sign-up bonus of cash back and interest-free financing? There are credit cards out there that feature more than 12 months of 0% APR on balance transfers as well as new purchases, with a 3% balance transfer fee. While at the same time, also offering new applicants a one-time $150 cashback bonus after spending $500 on purchases – if done within a specific time period. Some of these cards even feature additional cash back on all purchases.

As you can see, there are a number of things that you should look out for prior to applying for this kind of credit card. But, like with any credit card, there are also some requirements that you will want to be aware of before applying. As with many financial products, the big thing to consider when looking at a low introductory rate credit card is your credit score.

Be Knowledgeable About Your Credit Score

Because of the initial low APR and other potential benefits, the kind of credit card that we have been discussing is not generally easy to get if you do not have a high enough credit score. It is essential to be aware of this because if your credit score is in a lower range, you really don’t want to apply for a card that is unlikely to accept your application. This is due to the fact that your credit score will take a small hit every time the bank pulls your credit file in order to make a decision about your application.

Final Thoughts

In short, prior to really shopping around for a low introductory rate credit card, you really should do some homework. Take the time to look up your credit score, check your credit report – obviously to make sure there are no errors, but to also see where you stand in terms of possibly qualifying for a card of this nature. It is crucial that you compare interest rates on the cards you’re considering applying for, but be sure to also factor in the other features that each card might offer you.

Low introductory credit cards offer a lot of benefits, especially when used correctly. While they can be tough to qualify for, if you do, they are a financial tool that can really help users pay off debt and improve their financial situation. If you have further questions about whether or not a low introductory rate credit card is the right choice for you and whether you might qualify, speak with a financial professional regarding what your options might be it now, or down the line in order to use a card like this to improve your finances.

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