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0% Intro Rate Credit Cards for Excellent Credit

Credit cards with a 0% intro APR can save you money on existing credit card balances or provide no-interest financing for large purchases such as travel, appliances, home improvements, and more. As the economy improves, banks are getting competitive and more generous with their intro APR rates. With your excellent credit, you’ll have the best chance of approval for these top offers.

Discover it® Miles Offer

Great For: Earning miles on travel

Credit Needed: Excellent

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR on purchases for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%.
  • Exclusive Double Miles Offer: At the end of your first year - when other Miles cards charge an annual fee - Discover doubles all the Miles you've earned.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Discover pays you back for your in-flight Wi-Fi fees - up to $30 a year - with an automatic statement credit.*
  • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
  • 100% U.S. based service at your dedicated phone number - day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.*
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply Now." See complete Discover it® Miles details.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%*12 Months 10.99%*12 Months 10.99% – 22.99%* Variable $0

Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 707*

Lowest Approved Score: 636*

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms,balance transfer terms and other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%*6 Months 0%*18 Months 10.99% – 22.99%* Variable $0

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 677*

Lowest Approved Score: 628*

  • Get 0% intro APR on all purchases until August 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until August 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%until August 2016 0%until August 2016 10.9% – 20.9%* Variable $0

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*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.