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Best 0% intro purchase APR credit card offers 2012


Apply for one of the best 0% introductory APR credit card offers 2012 on purchases. All cards have no annual fee and offer great rewards program, like cash-back, miles or hotel points. 0% Intro APR lasts anywhere from 12 to 18 months. Cardholders can make only minimum payment each month during introductory period. A regular interest will be charged after introductory time is over. Top 0% APR offers from Chase, Citibank, American Express and other major credit card issuers.Choose the best intro interest free credit card and apply via online secure application.

Best 0% APR for 12 months cash back credit cards

Blue Cash EverydaySM Card from American Express
by American Express
Amex Blue Cash review
  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 17.24% - 22.24% Variable 17.24% - 22.24% Variable Cash back $0 Excellent - Good

Blue Cash Preferred(SM) Card from American Express
by American Express
Blue Cash Prefrerred review
  • Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $75 Referral Bonus for each friend or family member who is approved for the Card
  • The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 17.24% - 22.24% Variable 17.24% - 22.24% Variable Cash back $75 Excellent

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 12.99% - 22.99%* (Variable) 0% for 12 months Cash back $0 Excellent

Best 0% credit card with cash bonus

Chase Freedom® Visa
by Chase
Chase Freedom review
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 12.99% – 22.99% 0% for 15 months Cash back $0 Excellent- Good

Best 0% APR credit card travel rewards

Blue Sky from American Express(SM)
by American Express
Amex Blue Sky review
  • 7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
  • No annual fee.
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel – anytime.
  • Pay your bill all at once, or over time. It's up to you.
  • Blue Savings Program®: big deals on big brands, all the time.
  • Get a decision in as little as 60 seconds.

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 17.24% - 22.24% Variable 17.24% - 22.24% Variable Point $0 Good - Excellent

Best 0% Intro APR point reward credit card

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 12.99% - 22.99% (Variable) 0% for 12 months Point $0 Good

Best 15 months interest free credit cards

Discover® Open Road Card
by Discover
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop 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
  • 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 Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 10.99% - 19.99% Variable 0% for 15 months Cash back $0 Excellent

Discover® Motiva Card
by Discover
  • Earn Cashback Bonus® for your good credit management
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 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 alerts
  • 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 Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 10.99% - 20.99% Variable 0% for 15 months Cash back $0 Excellent

Discover® More Card
by Discover
Discover More Discover More review
  • 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 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 Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 10.99% - 20.99% Variable* 0% for 15 months Cash back $0 Excellent

Best longest duration interest free deals

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 18 months 11.99% - 21.99%* (Variable) 0% for 18 months - $0 Excellent





The article was updated on 03/17/2012. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. Best Credit Cards Online may be compensated through American Express Affiliate Program.

Best Credit Cards Online has financial relationships with some of the cards mentioned here, and Best Credit Cards Online may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them. We are not compensated for the positive reviews.


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