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There exist 0% interest credit cards (check why they are not the best solution sometimes) and you can apply for them online. Mastercard® is one of the most well-developed companies that offer reasonable variants on the affordable conditions.

Citi Simplicity® Card is one of the best 0% interest credit cards ever. It has no late fees, no penalty rate, and no annual fee. 0% Intro APR is active for 21 months. Then the variable APR will be 14.24% – 24.24% depending on your spending habits and creditworthiness. Still, this card requires good and excellent credit.

Actually, it would be very hard to find credit cards with 0% interest for people with bad credit.

There are also 0% interest credit cards no balance transfer fee. If you need such cards, you should ask for MasterCard® Titanium Card™, Barclaycard CashForward™ World Mastercard® (still, the period of no balance transfer fee lasts for 15 months only). Citi® Double Cash Card expands the period up to 18 months.

If you somehow don’t want to deal with MasterCard®, you can consider such offers as Discover it® Cashback Match™ or BankAmericard® Credit Card with no annual fee and Regular APR for 11.74% – 23.74%/ 21.74%.

You can also turn your attention to Wells Fargo Platinum Visa® Card with 0% Intro APR for 15 months on purchases and balance transfers (after it 15.90%-25.74% variable APR) and balance transfer fees.

P.S.: Check the minimum credit card payment tips.