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® from American Express
- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
- Receive your cash back automatically as a statement credit.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases for 6 months |
17.24%-21.24% Variable |
Any |
$0 |
Blue Sky from American Express®
- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases for 6 months |
17.24%-21.24% Variable |
Any |
$0 |
Chase Freedom® Visa - $50 Bonus Cash Back
- Earn $50 Bonus Cash Back after first purchase
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 12 months on balance transfers, 6 months on purchases* |
12.99% - 22.99% (V) |
Any |
$0 |
Citi® Dividend Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- 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% - 20.99%* (Variable) |
Very Good |
$0 |
Discover® More Card - Black
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
Discover® More Card - $75 Cashback Bonus
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
Discover® Open Road Card
- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
Citi Forward® Card
- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- 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.
- No Annual Fee.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
12.99% - 19.99%* (Variable) |
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 virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- 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% on Purchases for 6 months |
15.24% variable |
Any |
$0 |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- 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% - 19.99%* (Variable) |
Very Good |
$0* |
Citi® mtvU™ Platinum Select® Visa® Card for College Students
- No Cosigner Required
- 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 Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 7 Months* |
12.99% - 21.99%* (Variable) |
Very Good |
$0 |
Ink℠ with Ultimate Rewards℠
- Cash back plus a million other redemption options
- No dollar goes unrewarded
- No caps and points never expire
- Unlimited rewards for you or your business
- When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points*
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 11.24% (V) |
Any |
$0 |
IberiaBank Visa® Select Card
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). 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. (If there is an interest charge, the charge will be no less then $1.00).
- Online access to credit card account information
- 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% |
Any |
$45 |
Citi® Dividend Platinum Select® Card for College Students
- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 7 Months* |
12.99% - 21.99%* (Variable) |
Very Good |
$0 |
Slate℠ from Chase
- 0% intro APR for up to 12 months.
- No Annual Fee.
- New innovative card design.
- BlueprintSM free and customizable account features that help you avoid unnecessary interest and pay your balances down faster
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months* |
13.24%, 17.24%, 22.24% |
Any |
$0 |
Citi Forward® Card for College Students
- No Cosigner Required
- APR Reduction on Purchases When Using Credit Wisely
- 100 ThankYou Points Each Billing Period that You Pay on Time and Stay Under Your Credit Line
- Earn Up to 8,500 Bonus Points After You Sign Up for Paperless Statements and Make $250 in Purchases Within the First 3 Months of Account Opening
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
12.99% - 19.99%* (Variable) |
Any |
$0 |
Public Savings Bank Classic Secured VISA Card
- Build Credit History - We Report to All 3 Major Credit Bureaus
- 0% APR on All Purchases for the First 6 Months
- No Annual Fees or Monthly Maintenance Fees
- No Credit Check
- No Checking Account Required
- Your Credit Is Not a Factor!
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
11.24% |
Any |
$0 |
Citi® Diamond Preferred® Card
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
- Concierge Service that Caters to Your Needs 24/7
- 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 for 12 Months* |
14.99%* (Variable) |
|
$0* |
Discover® Mix Tape Student Card
- Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Interest* for 6 Months |
as low as 13.99%* Variable |
Any |
None* |
Discover® Open Road Card for Students
- Double Cashback Bonus at any gas station and any restaurant (yes, even on those infamous 1 AM burritos.)
- Hello 5% to 20% Cashback Bonus at our exclusive online mall; goodbye mall-walkers.
- Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.
- Turn your Cashback Bonus into even bigger rewards by redeeming for gift cards or eCertificates from more than 100 brand-name retailers.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Interest* for 6 Months |
as low as 13.99%* Variable |
Any |
$0 |
