No APR Credit Cards

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These credit card offers have the main benefit of an introductory 0% APR. This rate is available for at least 6 months from account opening. It can be applied to balance transfers, new purchases or both. 

First Citizens Smart Option® Visa® Card

• No annual fee
• Lowest available interest rate
• 0% APR for the first 12 months
• Exclusive Visa discounts
• Instant cash advances at any ATM
• Chip technology provides more security and global acceptance... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
8.24% - 19.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens Cash Back Rewards Visa® Card

• Get 1% cash back for each $1 you spend on qualifying purchases
• Redeem cash back for statement credit or deposit into your First Citizens checking or savings account
• No caps on cash back
• No annual fee
• 0% APR... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens RewardsSM Visa® Card

• Get 1 points for each $1 you spend on qualifying purchases
• Redeem for rewards like travel, cash back, digital and gift card rewards, merchandise, and unique experiences
• Pay Me Back allows you to use points as a full statement... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens Optimum RewardsSM Visa® Card

• Get 1.5 points for each $1 you spend on qualifying purchases
• Get 2,500 bonus points by opening an account
• No expiration dates on points
• No cap on points
• Combine points with other First Citizens consumer... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
$50 / 5,000 points
Credit Needed
Excellent / Good

People's United Bank Travel Rewards American Express® Card

• Earn 7,500 bonus points by making your first purchase, redeemable for $75 cash back, merchandise, gift cards, or travel savings
• Earn 3x points for every $1 you spend on airline purchases
• Earn 2x points for every $1 you spend... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
$95
Credit Needed
Excellent

People's United Bank Cash Rewards American Express® Card

• Earn 3% cash back on gas when you spend $6,000 on fuel annually
• Earn 2% cash back on supermarket purchases
• Earn 1% cash back on all other purchases
• Earn $25 cash back bonus after first purchase
• No annual fee... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

People's United Bank MasterCard® Bonus Rewards PLUS Card

• Get 1x point per $1 spent on net purchases
• Get a 50% bonus on all points earned every month
• Redeem as little as 2,500 points for $25 cash back, or 25,000 points for round-trip airfare up to $325
• Get $50 cash back by... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
$50
Credit Needed
Excellent / Good

People's United Bank MasterCard® Bonus Rewards Card

• Get 1x point per $1 spent on net purchases
• Get a 25% bonus on all points earned every month
• Get $25 cash back by making your first purchase
• No caps on points
• No limits on the points you can earn, plus five... Show More

Purchases Intro APR
0% for 6 months
Balance Transfers
0% for 6 months
Regular APR
12.24% - 23.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

People's United Bank MasterCard® Platinum

• Save on interest and pay down your other credit card balances faster
• Free credit card checks, free extra card
• No annual fee
• Great features, such asextended warranty coverage, auto rental collision damage... Show More

Purchases Intro APR
0% for 12 months
Balance Transfers
0% for 12 months
Regular APR
10.24% - 21.24% (variable)
Annual Fee
No annual fee
Credit Needed
Good / Excellent

First Niagara MasterCard Standard Business Card®

  • Exceptional cash management and business services
  • No foreign transaction fee
  • Worldwide acceptance
  • PIN enabled for secure use with ATMs and retail checkouts
  • Chip Technology gives you more... Show More
Purchases Intro APR
None
Balance Transfers
0% for 6 months
Regular APR
7.99% - 16.74% (variable)
Annual Fee
No annual fee
Credit Needed
Good / Excellent