0% APR

APR, or “annual percentage rate,” is the rate of interest on loans or credit. 0 percent APR is the best APR in the credit card industry, since you won’t be paying interest on this card for as long as it is noted in your cardholder agreement. While most cards claim they have 0 percent APR, they may penalize you for late payments by raising the APR up to as high as 15 percent.

A credit card with no initial interest rate is a great way to save some money, but it is important to make a note of when the introductory 0 percent APR rate will be converted to a regular APR. With most cards, the regular APR rate is introduced after about a year. Some will give you a little longer to enjoy your 0 percent APR, so make sure that you read the credit card agreement thoroughly upon receiving it.

Popular credit cards that offer one year of 0 percent APR include the Blue Cash Everyday℠ Card and the Blue Sky from American Express® credit card. Along with one year of 0 percent APR, both these cards also require no annual fee and offer rewards that vary between the cards. Some cards, like the Discover More card, go so far as to offer fifteen months of no-interest on both purchases and transfers.

So if you’re looking for a credit card that won’t charge you outrageous interest fees, 0 percent APR may be just what you’re looking for.

Blue Cash Everyday℠ Card from American Express

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months*	0% intro APR on purchases for 12 months, flexibility to pay over time*	No annual fee, flexibility to pay over time*	17.24-22.24% Variable*	Excellent*

Blue Sky from American Express®

7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
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 APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months *	17.24-22.24% Variable*	No annual fee*	17.24-22.24% Variable*	Excellent*

Discover® More Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Good - Excellent Credit*

Discover® More Card – 18 Month Promotional Balance Transfer

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, groceries, restaurants, home improvement stores and more. Limitations apply*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99-20.99% (V)**	$0*	Intro: 0% 18 months*	Good - Excellent Credit*

Escape by Discover® Card

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%*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%- 16.99% (V)**	$60*	Intro: 0% 6 months*	Excellent - Good*

Simmons First Visa® Platinum Rewards

Excellent credit required - applicants that do not have excellent credit will not be approved
Low 9.25% variable standard purchase APR and platinum benefits
Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	9.25%*	$0*	9.25%*	*

Simmons First Visa® Platinum

Excellent credit required - applicants that do not have excellent credit will not be
approved
Low 7.25% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	7.25%*	$0*	7.25%*	*