Top 0% Introductory APR Offers For 2020

Top 0% Introductory APR Offers For 2020

January 9, 2020         Written By Bill Hardekopf

LowCards is a Citi partner. These offers, valid when the article was written, may have expired. View our full editorial disclaimer here.

One of the most valuable perks on a credit card is an interest-free line of credit for a period of time. This is particularly beneficial for consumers who are trying to pay down their existing debt.

There are many credit cards that offer 0% APR promotional financing for a significant period of time on new purchases, balance transfers, or both. Here are nine credit card offers that feature some of the longest interest-free financing available:

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Along with no annual fee on the , the card comes with one of the best introductory offers of any major credit card: 0% APR for 12 months on purchases and 21 months for balance transfers, as long as the transfer is made within the first four months of being a cardholder. Subsequently, cardholders can expect an APR of 16.24% - 26.24% (Variable) depending on their credit worthiness. The card also has no annual fee, late fees or penalty fees. The card does not have a rewards program. You’ll need an excellent credit profile to be approved for this card.

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The  offers you the chance to earn cash back twice on everything you buy. You earn 1% cash back on all purchases at the time of the transaction, and another 1% when payment is made, for a total of 2% cash back. This card also offers 18 months of 0% APR introductory financing on balance transfers, with a 3% balance transfer fee. Once the promotional financing rate expires, a standard interest rate of 15.49% - 25.49% (Variable) will apply to the remaining balance, which is a variable rate based on the Prime Rate. There is no annual fee on this card.

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The is a wonderful cash back card, especially for those consumers who do not want to keep track of rotating bonus categories that they have to register for each quarter. The Freedom Unlimited card has an attractive cash back structure: an unlimited 1.5% cash back on all purchases. New applicants also receive a 0% APR for 15 months on both new purchases and balance transfers, with a 3% balance transfer fee or $5, whichever is greater during the first 60 days of being a cardmember; then a 5% balance transfer fee or $5 whichever is greater. Once the promotional financing rate expires, the standard interest rate of 16.49% - 25.24% Variable applies, depending on your creditworthiness. There is no annual fee for this card.

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The is marketed to foodies—people who love dining out or creating meals at home. Cardholders earn 1% cash back on all purchases, but the rewards are particularly good on dining out and entertainment (3% cash back) and grocery store purchases (2% cash back). New SavorOne cardholders receive a $150 cash bonus when they spend $500 within the first three months of being a card member. The SavorOne card has an APR of 15.49% - 25.49% (Variable), depending on the cardholder’s credit. It has no annual fee and no foreign transaction fees. There is a nice introductory offer of 0% APR for 15 months on both purchases and balance transfers.

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This card has one of the industry’s best introductory offers in terms of APR. The has a 0% introductory APR for 21 months on balance transfers (must be made within the first four months of card membership) and 12 months on purchases. Then, an ongoing APR between 15.24% - 25.24% (Variable) depending on your credit worthiness. There is no annual fee on this card but there is a 5% balance transfer fee on the amount transferred.

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The is considered one of the best travel rewards card in the industry due to its low fees and great rewards opportunities. It offers 0% APR for the first 12 months on purchases, and then a relatively low 13.49% - 23.49% (Variable) APR after that. For those who like to travel abroad, Capital One VentureOne has no foreign transaction fees. You get 1.25 miles for every $1 you spend on the card, which can be redeemed for travel expenses. This is in addition to the 20,000 bonus miles you’ll receive (equivalent to $200) if you spend more than $1,000 on your card during the first three months of card ownership. These miles can be used on any airline or hotel, and have no blackout dates. The card has no annual fee.

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The offers customers 1.5% cash back on all purchases with no limits. New cardholders receive a $150 cash bonus when they spend $500 on purchases within the first three months of opening the account. Customers get 15 months of interest-free financing on both new purchases and balance transfers, with a 3% balance transfer fee. After the introductory financing period ends, the standard interest rate of 15.49% - 25.49% (Variable) applies. This card only requires the applicant to have a good credit score. There is no annual fee on this card.

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The is a new and unique rewards card. Citi rounds up the ThankYou points earned with each purchase to the nearest 10. For instance, if a purchase qualifies for 15 ThankYou Points, that reward will be rounded up to 20 points. This occurs for every transaction, no matter how small. The card features a 15,000 ThankYou Point sign-up bonus. To earn the extra rewards, cardholders must spend $1,000 on the card during the first three months of card membership. The card earns two points per $1 spent at gas stations and supermarkets, for the first $6,000 in annual purchases made in those categories. All other transactions earn one point per $1. Cardholders will also get back 10% of their rewards on the first 100,000 points they redeem each year. There is a foreign transaction fee of 3%, as well as a balance transfer fee of $5 or 3% per transaction, whichever is greater. The introductory APR on purchases and balance transfers is 0% for the first 15 months. The standard APR is 14.99% - 24.99% (Variable), depending on credit worthiness. There is no annual fee on this card.

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The is a relatively new card on the market with some attractive features. There is an introductory APR of 0% for 12 months on purchases and 18 months on balance transfers. The ongoing interest rate is 14.40% - 24.40% (variable) based on your credit worthiness. New cardholders can earn a $150 statement credit after spending $1,200 on purchases within the first 90 days from account opening. One point is earned for every dollar spent, and you can earn 5x rewards on up to $1500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive. Late payments don’t raise your APR.  There is no annual fee on this card.



The information contained within this article was accurate as of January 9, 2020. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


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About Bill Hardekopf

Bill Hardekopf is the CEO of LowCards.com and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
View all posts by Bill Hardekopf
Top Features : 0% APR for 21 months on Balance Transfers and 12 months on Purchases; no annual fee, late fee or penalty rate
Top Features : Earn cash back twice. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
Top Features : No Annual Fee, Bonus Offer, Cash Back
Top Features : No annual fee; 3% cash back on dining & entertainment; 2% on groceries; $150 cash bonus after spending $500 in first 3 months
Top Features : Long intro APR period especially for balance transfers; No annual fee
Top Features : 1.25X miles on every purchase; no annual fee; bonus of 20,000 miles once $1,000 is spent in first 3 months