Finding a Zero APR Credit Card

Let's start with the bad news. There's no such thing as a valid, legitimate zero APR credit card. Think about it; the only way that a bank could afford to do this would be to have it be a pre-paid card (in which case you've already paid and they're earning interest on your money) or a debit card where, again, the money is already in their account. If someone else tells you they have a zero APR card, you'd best pay very very close attention to the small print.

Nonetheless, there are some low interest rate cards available, both those that have a very low introductory rate (and then jump up to 21% or higher, beware!) and those that just have a low interest rate but combine the low APR with a high annual fee.

Here are some choices in this segment:

To identify any of these actual offers online, use google to search for the name of the card and add +application for best results.