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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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* |
as low as 11.99% |
Very Good |
$0 |
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* |
11.99% |
Very Good |
$0 |
Miles by Discover® Card
- 12,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 1 Mile for Every $1 on All Your Other Purchases
- Unlimited Miles That Never Expire*
- No Annual Fee
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
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* |
As low as 11.99% |
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 |
13.24% |
Very Good |
$150 |
Discover® More(SM) Card - Sealife Collection
- 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
Very Good |
$0 |
Discover® More(SM) Card - Clear
- 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
Very Good |
$0 |
IberiaBank Visa® Gold Cash Back Rewards Card
- Earn 1% in Cash Back Credit on All Qualifying Purchases
- No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
- Travel Accident Coverage Up to $500,000
- No Annual Membership Fee
- Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 9.75%* |
Good |
$0 |
Escape by Discover® Card
- 25,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase the First 25 Months
- Unlimited Double Miles on All Purchases
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- 2 Additional Miles for Every $1 You Spend Through ShopDiscover, Our Exclusive Online Shopping Site
- Enhanced Travel Benefits
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- $60 Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
Any |
$60 |
IberiaBank Visa® Platinum Rewards Card
- Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
- Turn Your Points Into Hotel, Gift, or Experience Rewards
- Travel Accident Coverage Up to $1,000,000
- No Annual Membership Fee
- Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 9.75%* |
Very Good |
$0 |
Discover® More(SM) Card - Wildlife Collection
- 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
Very Good |
$0 |
Biodegradable Discover® More Card
- Help Protect the Planet with the New Biodegradable Discover Card
- Card Plastic Breaks Down 99% Within Five Years in Landfill Conditions
- 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
Very Good |
$0 |
Discover® More(SM) Card - Monogram
- Earn More Cash in More Ways Than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards With More than 80 Cashback Bonus® Partners*
- 0% Intro APR*
- Choose Your Personalized Design
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
as low as 11.99% |
Very Good |
$0 |
Citi Forward(SM) Card
- The Credit Card That Rewards You for Your Good Behavior
- Up to a 2% Purchase APR Reduction When You Make a Purchase, Stay Under Your Credit Line and Pay on Time 3 Billing Periods in a Row.
- 6,000 Bonus Points After $50 in Purchases are Made Within 3 Months of Account Opening.
- 5,000 Bonus Points When You Sign Up for Paperless Statements Within 3 Months of Account Opening.
- 5 Reward Points for Every $1 You Spend on Dining, Books, Movies and Music. 1 Reward Point for Every $1 You Spend on Other Purchases.
- 0% APR for 6 Months on Purchases and Balance Transfers.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
14.24% |
Any |
$0 |
TrueEarnings® Card from Costco and American Express
- Earn Cash Back On Gas and a $25 Statement Credit With Your First Purchase Made With the Card!
- Earn Cash Back - 3% for Annual Gasoline Purchases of Up To $3000 (1% Thereafter), 3% for Restaurants, 2% for Travel, 1% Everywhere Else
- No Annual Fee With Your Paid Costco Membership
- The TrueEarnings Card Serves as Both Your American Express Credit Card and Your Costco Membership Card
- No Limit on the Cash Back Earned
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 3 Months |
13.24% |
Any |
$0 |
Visa Black Card
- Limited Membership to Only 1% of U.S. Residents
- World-Class 24-Hour World-Class Concierge Service
- Earn Cash Back or Points in the Exclusive Rewards Program
- Enjoy Luxury Gifts from the World's Top Brands
- Made of Patent Pending Carbon Graphite
- Annual Fee of $495
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Billing Cycles |
13.24% |
|
$495 |
Citi® Platinum Select® MasterCard®
- 0% APR* on Balance Transfers and Purchases for Up To 12 Months
- No Annual Fee
- Citi® Identity Theft Solutions
- $0 Liability on Unauthorized Purchases
- Secure, Free Online Account Management
- Extra Cash from Citi: Enjoy Significant Discounts on Gift Cards, Travel, Merchandise, and More.
- 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% |
Very Good |
$0 |
IberiaBank Visa® Classic Card
- No Annual Membership Fee
- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 8.75%* |
Any |
$0 |
Citi® mtvU™ Platinum Select® Visa® Card for College Students
- 0% APR* on Purchases and Balance Transfers for 6 Months
- Earn 5 ThankYou® Points for Every Dollar You Spend at Restaurants, Bookstores, Record Stores, Movie Theaters, and Video Rental Stores
- Earn 1 ThankYou Point For Every Dollar You Spend on All Other Purchases
- Earn 25 ThankYou Points Every Month When You Pay on Time and Don't Go Over Your Credit Limit
- Earn Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
- Redeem Points for Gift Cards, Travel, Electronics, Music, and More
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
17.24% |
Very Good |
$0 |
Discover® Student Card - Tropical Beach
- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- *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% Interest* for 6 Months |
as low as 14.99% |
Any |
$0 |
