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 18 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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- 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*
- Plus 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 18 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%* | 0%* | 12.99%-21.99% (Variable)* |
$0* | Excellent |
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- 0% Intro APR on Balance Transfers and Purchases for 18 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%* | 0%* | 12.99%-21.99% (Variable)* |
$0* | Excellent |
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- 0% Intro APR on Balance Transfers and Purchases for 18 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®
- $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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- $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and 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 gas, restaurants, department 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--16 years in a row! (2012 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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- Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 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 12 months
- No Annual Fee
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 10.24% (Variable)* |
$0* | Excellent |
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- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
- 5% Cashback Bonus®* in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability- you will not be responsible for unauthorized charges
- No Annual Fee
- Text and Email Alerts
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | N/A* | 12.99%-18.99% (Variable)* |
$0* | Fair |
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- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
- 5% Cashback Bonus®* in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability- you will not be responsible for unauthorized charges
- No Annual Fee
- Text and Email alerts
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | N/A* | 12.99%-18.99% (Variable)* |
$0* | Fair |
