Best credit cards

Best 12 months 0% APR credit cards

Twelve months (one year) interest free credit cards:
introductory interest rate applies on purchases and balance transfers.

Credit cards with no interest for 12 months on balance transfers or purchases are very common offers. These cards are very popular among consumers for great rewards program and attractive 0% APR on purchases or balance transfers. There are various reward programs that come with 0% introductory offers for 12 months: cash back, point and even travel. Another good fact about these cards is that almost all of them come with no annual fee.

One year interest free credit cards below are the most popular selections among customers. They offer no introductory interest on balance transfer or purchases, have no annual fee, provide very good rewards and promotional bonus offers for cardholders.

There is no current 12 months 0% APR offers.

Best over 12 Months 0% APR Credit Card Offers

U.S. Bank Visa® Platinum Card
issued by U.S. Bank
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles
  • No annual fee*
  • Free access to monthly credit score
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts

Intro Purchase APR Regular APR Intro Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 billing cycles 13.99% – 23.99%* (Variable) 0% for 15 billing cycles N/A $0 Excellent

Related article: Best Zero Percent Credit Cards

The article was updated on 10/28/2012. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. Excellent Credit Cards may be compensated through American Express Affiliate Program.

Please note that Excellent Credit Cards has financial relationships with some of the merchants mentioned here. Excellent Credit Cards may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant. We are not compensated for positive reviews.

Discover is a paid advertiser of Best Credit Cards Online. See Discover credit card’s application for complete Terms & Conditions.

* See credit card applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site.

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