0 APR Rewards Programs
While there is no such thing as a rewards program credit card which offers 0% APR all the time, there do exist many rewards credit cards which offer a 0% rate for an introductory period, usually anywhere between three and 18 months. These zero APR cards are targeted at consumers who may feel the need to carry a balance on their accounts during the introductory period. In this case, the consumer would not be charged any interest.
Of course, once the introductory period has expired, the zero APR rewards card will begin to assess interest charges on any balance which may exist. So it is highly recommended that the cardholder pay off the balance in full each month once the introductory period has ended.
Browse our 0 APR reward credit cards below
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Blue from American Express®
- 0% APR on Purchases for Up to 12 Months
- No Annual Fee
- Low Balance Transfer APR 2.99% for 12 Months
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 10.99% |
Any |
$0 |
Capital One® No Hassle Miles(SM) Ultra-For Professionals
- Earn Double Miles - 2 Miles Per Dollar Spent on All Purchases
- Save With a 0% Intro APR on Purchases Until October 2009
- No Expiration Date on Miles and No Limit on the Miles You Can Earn
- No Blackout Dates or Seat Restrictions
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until October 2009 |
9.90% |
Excellent |
$39 |
Capital One® No Hassle Miles(SM) Rewards Excellent 1.25 Miles Rewards
- Earn 25% More Mileage Than Regular Mileage Cards With 1.25 Miles For Each Dollar Spent on Purchases
- Save With a 0% Intro APR on Purchases Until October 2009
- No Expiration on Miles and No Limit on the Miles You Can Earn
- There Are No Blackout Date and No Seat Restrictions
- No Annual Fee
- *See Capital One® Important Disclosures for More Information.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until October 2009 |
9.90% |
Excellent |
$0 |
Elite Rewards® World MasterCard® Credit Card
- *Earn Double Points for Purchases at Participating Merchants
- *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- *Earn 1 Point for $1 in Net Retail Purchase(s)
- *Get 500 Bonus Points after Your First Qualifying Retail Purchase(s)
- *No Annual Fee
- *Fly on Major U.S. Airlines with No Blackout Dates
- *Avis® Car Rental Discounts and Special Offers
- Card Issued by FIA Card Services, N.A.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Billing Cycles |
9.9% / 15.99% |
Excellent |
$0 |
Blue Sky from American Express®
- 0% Intro APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 11.99% |
Any |
$0 |
Discover® More(SM) Card- American Flag
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Blue Cash® from American Express
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 11.99% |
Any |
$0 |
Gold Delta SkyMiles® Credit Card from American Express
- Earn up to 25,000 Bonus Miles - Enough for a Total of $250 Off Delta Flights
- Use Miles to Pay for Any Delta Seat, Anytime - No Black Out Dates and No Seat Restrictions
- 25,000 Miles May Also be Redeemed for a Domestic Economy Award Ticket
- Earn SkyMiles® for Every Eligible Dollar You Spend
- No Annual Fee for the First Year, then $95: $45 if You Are a Qualified American Express Cardmember
- Express Approval. Get a Decision in Less than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No introductory rate available |
13.99% |
Good |
$95 |
Discover® Open Road(SM) Card
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Clear from American Express®
- No Fees of Any Kind. No Annual Fee, No Late Fees, No Over-Limit Fees, No Balance Transfer Fees, No Cash Advance Fees
- 0% Intro APR for Up to 12 Months
- Automatic Rewards. You'll Get an American Express Branded Shopping Card Worth $25 Delivered Straight to Your Door Every Time You Spend $2,500
- Pay in Full, or Carry a Balance
- Express Approval. Get a Decision in Less than 60 Seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 11.99% |
Any |
$0 |
Bank of America WorldPoints™ Platinum Plus® Visa® Card
- *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- *No Annual Fee
- *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates, and More
- *100% Fraud Protection
- *Online Account Access and Points Management
- Card Issued by FIA Card Services, N.A.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Billing Cycles |
Between 9.99% and 19.99% |
Very Good |
$0 |
Citi® Diamond Preferred® Rewards Card
- 0% APR* on Balance Transfers for Up to 12 Months
- 5 Reward Points for Every $1 Spent on Purchases at Supermarkets, Drugstores, and Gas Stations for 12 Months; 1 Point for Every $1 on All Other Purchases
- No Annual Fee and FREE Rewards Program
- Citi® Identity Theft Solutions
- Price Protection Program
- $0 Liability on Unauthorized Purchases
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 10.24% |
|
$0 |
Capital One® No Hassle Miles(SM) Rewards - Good Credit
- Earn 25% More Than Regular Mileage Cards With 1.25 Miles for Each Dollar Spent on Purchases
- There's No Limit to the Miles You Can Earn and Your Miles Won't Expire
- There Are No Blackout Dates and No Seat Restrictions
- Save with a 0% Intro APR on Purchases Until October 2009
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until October 2009 |
13.90% |
Good |
$0 |
Citi CashReturns(SM) MasterCard®
- Earn Up to 6% Cash Back on Purchases; a Full 1% Cash Back on Every Purchase PLUS an Average 5% Additional Cash Back at 400 Leading Retailers Within the Citi Bonus Cash Center.
- Earn a 20% Bonus on the Cash Back Earned on All Purchases for the First 12 Months
- Checks Will Be Sent Automatically Every Time You Earn $50
- 0% APR* on Balance Transfers for up to 12 Months
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 9.74% |
Any |
$0 |
Miles by Discover® Card
- Double Miles on Grocery Store Purchases in November and December*
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 70 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- No Annual Fee
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Platinum Delta SkyMiles® Credit Card from American Express
- Earn 20,000 Bonus SkyMiles® (Including 5,000 Medallion Qualification Miles) After First Purchase and Another 2,500 for Adding an Additional Cardmember
- Earn One Companion Coach Class Ticket Each Year Upon Renewal
- Earn at Least 1 Mile for Every Eligible Dollar Spent
- Miles Never Expire and There is No Cap on the Miles You Can Earn
- Pay with Miles: Pay for All or Part of Your Flight with Miles and Put the Rest on Your Card
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No introductory rate available |
13.99% |
Very Good |
$150 |
JetBlue Card from American Express
- Get 50 TrueBlue(R) Points After Your First Purchase - That's Half Way to an Award Flight!
- TrueBlue Points Don't Expire
- Earn One Award Dollar for Virtually Every Dollar You Spend
- Earn Double Award Dollars on Entertainment, Leisure, Travel, and Dining
- 200 Award Dollars = 1 TrueBlue Point and 100 TrueBlue Points = One Round Trip Flight
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No introductory rate available |
13.99% |
Any |
$40 |
Brighter Planet™ Visa® Credit Card
- 1 EarthSmart Point for Every $1 Net Retail
- 1,000 EarthSmart Bonus Points with First Transaction
- 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements
- For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Billing Cycles |
9.99% / 15.99% |
Any |
$0 |
The Nature Conservancy Platinum Plus® Visa® Credit Card
- No Annual Fee
- Low Introductory APR
- Earn WorldPoints® Rewards - One Point for Every Dollar in Net Retail Purchases
- Redeem Points for Unlimited Cash Rewards, Free Travel With No Blackout Dates, Valuable Merchandise, Gift Cards, and More
- For New Members, A Complimentary 1 Year Membership and Subscription to Nature Conservancy Magazine
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Billing Cycles |
9.99% |
Very Good |
$0 |
