0% APR Credit Cards

Use an intro 0% APR window for a large purchase or a balance you can realistically pay off before the promotional rate ends. Compare current 0% offers and apply with the issuer.

Apply now → See card types

Loanable is not a card issuer. Offers are from CardRatings. We may be compensated if you apply. After the intro period, the regular APR applies. Approval and terms are set by the issuer.

Professional comparing 0% APR credit cards

0% Intro APR

Pay it down Before the promo ends

0% intro

Purchases or transfers, depending on the card

Months

Promo windows vary by issuer

Plan

Pay the balance before regular APR

When 0% APR can help

A 0% intro rate is useful when you have a payoff plan. It is not the same as a business loan from Loanable’s marketplace.

A defined purchase

Equipment, inventory, or a project you can repay inside the intro window.

Balance transfers

Some cards offer 0% on transfers. Watch transfer fees and the date the promo ends.

A calendar, not a guess

If you cannot pay it off in time, the regular APR can erase the benefit.

Other options

Business Cards

Best overall business cards for expenses and rewards.

Compare business cards →

0% APR Cards

Intro 0% APR periods for purchases or transfers.

Cash Back Cards

Straightforward cash back on everyday purchases.

Compare cash back →

Personal Loans

Unsecured personal loans from $2,000 to $100,000. Apply with Loanable.

See personal loans →

How it works

1

Compare 0% offers

Check intro length, fees, and whether 0% applies to purchases, transfers, or both.

2

Apply with the issuer

Submit the application on CardRatings. Loanable does not issue the card.

3

Pay it down on time

Need a longer-term loan instead? Apply with Loanable.

Ready to compare 0% APR cards?

See current intro APR offers and apply with the issuer.

Apply now →

Advertiser disclosure: Loanable may earn a commission from CardRatings.