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 Cash Everyday(SM) Card from American Express
- Earn a $100 cash back bonus 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR for 12 months. |
17.24%-22.24% Variable |
Any |
$0 |
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 12 months on balance transfers, 6 months on purchases |
As low as 11.99% Variable |
Any |
$0 |
Blue Sky from American Express®
- 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
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR for 12 months. |
17.24%-22.24% Variable |
Any |
$0 |
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No Annual Fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 12 Months* |
12.99% - 22.99%* (Variable) |
Very Good |
$0* |
Escape by Discover® Card
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 16.99% (V)* |
Any |
$60 |
Discover® More Card - 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 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*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 20.99% (V)* |
Very Good |
$0 |
Discover® Open Road Card - $150 Restaurant.com Gift Certificate
- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 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--15 years in a row! (2011 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 20.99% (V)* |
Very Good |
$0 |
Miles by Discover® Card
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 16.99% (V)* |
Very Good |
$0 |
Capital One® VentureOne℠ Rewards Credit Card
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013
- No foreign transaction fees
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases Until February 2013 |
11.9% - 19.9% (V) |
Excellent/Good |
$0 |
LSU® Tigers™ Platinum MasterCard® from Capital One®
- 2 points per $1 on purchases at gas stations and major grocery stores
- 1 point per $1 spent on all other purchases
- No limit on the points you can earn and points don't expire
- Redeem for travel, gift cards and merchandise
- Choose from 2 unique LSU® card designs or create your own image card
- 0% intro APR on purchases until February 2013
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases Until February 2013 |
13.9% - 19.9% (V) |
Excellent/Good |
$0 |
Capital One® Orbitz® Visa® Platinum
- 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
- Redeem for travel, merchandise, gift cards and more
- Earn travel quickly with low redemption minimums
- 250 point refueling bonus when you redeem points for awards
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases Until February 2013 |
13.9% - 19.9% (V) |
Excellent/Good |
$0 |
Citi Forward® Card
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
12.99% - 22.99%* (Variable) |
Any |
$0* |
TrueEarnings® Card from Costco and American Express
- American Express® Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases for 6 months |
15.24% variable |
Any |
$0 |
Discover® More Card - $0 Balance Transfer Fee!
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 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--15 years in a row! (2011 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
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR on purchases and balance transfers for 12 months |
10.99% - 19.99% (V)* |
Any |
$0 |
Citi ThankYou® Card
- 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*
- 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*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 15 months |
12.99% - 22.99%* (Variable) |
Any |
$0* |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 21.99%* (Variable) |
Very Good |
$0* |
Ink℠ Classic Business - Up to 25,000 Bonus Points
- 25,000 bonus points after you spend $5,000 in the first 3 months!*
- 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
- 2X points per dollar on the first $25,000 spent annually on fuel and dining*
- 1 point per dollar on all other card purchases with no limit on the amount you can earn*
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
13.24% |
Any |
$0 |
SimplyCash® Business Card from American Express OPEN
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
- No annual membership fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
12.24% - 19.24% Variable |
Very Good |
$0 |
Capital One® Platinum Prestige Credit Card
- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until May 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases and Balance Transfers Until May 2013 |
10.9% - 18.9% (V) |
Excellent |
$0 |
IberiaBank Visa® Select Card
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
- Low Annual Fee of $35.00.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0.00% or 7.50% for 12 Months on Purchases |
7.50%, 9.50% or 11.50% |
Any |
$35 |
