Update: This offer is expired.
———————————————

Generally its not worth it to apply for credit cards if you are not planning on paying the statement balance in full each month. Credit cards are not free money. Even with all the “bonuses” and “offers” its only worth it if you will be on top of your finances and not fall down the slippery slope of credit card debt.

Having said that, there are times when you just “need” that 0% APR offer. If you already owe money on your credit cards or if you need to make a large purchase its definitely better to pay 0% interest then the alternative 20% – ….

Below is a list of some current 0% APR Credit Cards which have 0% promotions of  between 12 – 18 months.

1. Discover It Credit Card – The Discover IT card offers 0% interest on purchases for the first 6 months and 0% interest on balance transfers for the first 18 months.
There is no annual fee and no foreign exchange fees for this card.
Note: There is a 3% fee for transferring a balance to this card.
This card offers 5% cash back in rotating categories.

2. Barclaycard Arrival World Mastercard – The Barclaycard Arrival offers 0% interest on purchases for the first 12 months.
There is an $89 annual fee which is waived for the first year. After the first year, you can downgrade the card to the no annual fee version.  This card does not charge foreign exchange fees.
Besides for the free $400 signup bonus (which becomes $440 thanks to 10% back on all redeemed points) you can also get 2.2% cash back on all spending.
Read more in this post.
There is also a no-annual fee version of this card with 12 months of 0% APR but you don’t get the same mega sign-up bonus of $440 or the 2.2% cash back everywhere with this card.

3. US Airways Premier World MasterCard – The US Airways Mastercard offers 0% interest on purchases and balance transfers for the first 12 months after account opening.                                         There is a $89 annual fee for this card.  With this card you will earn up-to 40k bonus points!                                                 Read more in this post

4. Premier Miles & More Credit Card – The Lufthansa Miles & More credit card offers 0% interest for both purchases and balance transfers for the first first 12 months after account opening.                There is a $79 annual fee for this card which is not “officially” waived. (you can try requesting for them to remove the annual fee – many have had luck)                         This card does not charge foreign transaction fees.                                                    A great thing about this card is the up-to 35k bonus points!                                     Read more in this post

5.Chase Slate Visa – The Chase Slate Visa offers 0% interest on purchases and balance transfers for the first 15 months of cardmembership.
A great thing about the Chase Slate is if you transfer a balance to this card within 60 days of opening it, there will no fees at all!
There is no annual fee for this card.

6. Chase Freedom Visa – The Chase Freedom offers 0% interest on purchases and balance transfers for the first 15 months of cardmembership.
Note that there is a 3% fee for transferring a balance to this card.
There is no annual fee for this card.
You will receive 10k bonus points after $500 in spend within the first 3 months. Besides for the signup bonus you also earn 5 points per dollar in quarterly rotating categories.   A great thing about this card is the possibility to transfer them into valuable airline/hotel miles. To do so, you or your spouse must have a Chase Ink Bold, Ink Plus, or Sapphire Preferred credit card to transfer the rewards points into miles.

7. Citi Simplicity card offers 0% interest on purchases and balance transfers for 18 months.                                                                              There is no annual fee for this card. There are also no late fees with this card.
Note: There is a 3% fee for transferring a balance to this card.

8. Citi Diamond Preferred Card offers 0% interest on purchases and balance transfers for the first 18 months.
There is no annual fee for this card.
Note: There is a 3% fee for transferring a balance to this card.

9. Citi Dividend Platinum Select Visa offers 0% interest on purchases and balance transfers for the first 12 months.
There is no annual fee for this card.                                      Earn $100 cash back after $500 in purchases within the first 3 months of account opening.                                                  This card offers 5% cash back in rotating categories.

10. Citi ThankYou Card offers 0% interest on purchases and balance transfers for the first 15 months.
There is no annual fee for this card.
Note: A 3% fee for transferring a balance to this card will apply.

Applying for credit cards: All credit card offers can be viewed and applied for by clicking here or on the credit cards tab above. On the credit cards page, you can click on the “Credit Cards By Issuing Bank” link, to view all credit card offers offered by any specific credit card issuer. Just scroll down and click on the logo of the bank issuer of your choice.