Discover More Card – Here’s the haps on this fine piece of plastic.  First off, you’ll notice, it has a freakin’ American flag on it – I know, you’re already sold.  Not only does it boast your patriotism, but it has one of most incredible cashback rewards programs in the industry.  In addition to its killer cashback incentives, you can use it to opt into anything from top-notch fraud protection to half a million dollars in travel accident insurance.  Regarding the zero interest factors, you’re looking at 0% for six months on purchasing and 12 months on balance transfer.  The ongoing APR rests as low as 11.99%, and with no minimum transfer fee, and no annual fee.  The only relative downside to this American wet dream is that it carries a 5% transfer fee – not terrible, but not great either.  This card would be ideal for purchasing programs.  Perfect if you plan on attempting to make money using zero interest credit card.

Citi Platinum Select Mastercard – This is an all-around winner.  Platinum has grown to be a rather cliche adjective in not only reference to credit cards, but financial and service industries as a whole.  There’s nothing cliche about this card.  It lives up to its platinum namesake by being an all-around great zero percent card.  Although it doesn’t boast a rewards program quite as robust as the aforementioned Discover More Card, it more than makes up for it with Citi’s renown service standard.  You can get a hold of a representative 365-24/7, whether it be to inquire about your plan or implement Citi’s industry-leading fraud protection service.  Concerning the 0% aspects, it’s perfect for balance transfers – carrying a fee of just 3% – the only caveat being a six month intro period.  On the other hand, the purchasing program also carries a 0% interest plan for six months.  If you qualify for this card, and you’re not an idiot, you won’t lose.

Public Savings Bank Visa Black Card – This is a card targeted toward you crazy folks who screwed your credit up, but still feel you deserve a zero percent interest credit card.  Your wish has been granted.  This card not only allows you to do your purchasing interest free for 6 months, but it carries both an ongoing, and default APR of just 11.24%!  All payment activity on this bad boy is reported directly to the three major credit bureaus, so if you’re trying to swim back up to the surface, you’re doing it with the right (hopefully not wrong) people watching you.  The only real downside to this card is that it doesn’t offer a 0% balance transfer plan.

There you have it – the cream of the crop of zero percent credit cards.  Plan, choose, and spend wisely!