0% APR Credit Cards
With a 0% APR credit card you won't have to worry about accruing interest for 6 months, 12 months or even longer on all your purchases. Choose zero percent credit cards for personal, business or student use. If you need to transfer a balance from an existing credit card, then consider a balance transfer credit card.
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- 0% Intro APR on balance transfers and purchases for 21 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-21.99%* (Variable) |
$0* | Excellent |
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- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- $0 Liability on unauthorized purchases
- Citi® Identity Theft Solutions
- No annual fee*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-21.99%* (Variable) |
$0* | Excellent |
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- 0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99% - 21.99%*(Variable) |
$0* | Excellent |
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- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Earn an anniversary bonus on points earned from purchases every year*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 12.99% - 22.99%* (Variable) |
$0* | Excellent |
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- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | N/A* | 12.99 - 21.99%* (Variable) |
$0* | Excellent |
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- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- Exciting deals and savings for great brands through Citi Specials
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-21.99%* (Variable) |
$0* | Excellent |
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- $100 gift card - When you redeem the 10,000 bonus ThankYou® Points received after $500 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, 12.99%-22.99% variable*
- 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| N/A* | N/A* | 12.99%-22.99%* (Variable) |
$0* | Excellent |
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- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 10.99% - 20.99% (Variable)* |
$0* | Excellent |
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- Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
- 0% Intro APR for up to 15 months - a variable APR as low as 11.99% -21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-21.99%*(Variable) |
$0* | Excellent |
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- $250 cash back bonus after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
- 2% cash back on the first $25,000 spent annually on gas and dining
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0% | N/A* | 13.24%-19.24%*(Variable) |
$0* | Excellent |
