0% Purchases Credit Cards

Advertiser Disclosure

0% Intro APR Credit CardsA 0% intro APR credit card gives cardholders the benefit an interest-free introductory period on their purchases and/or balance transfers, as long as the account is kept in good standing during that time. The following are the most popular intro APR credit cards offered by our partners:

Advertiser Disclosure
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 Billing Cycles* 0% for 15 billing cycles for qualifying balance transfers* 10.99%-20.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-15 Billing Cycles*
Intro APR Balance Transfer 0% for 15 billing cycles for qualifying balance transfers*
Regular APR 10.99%-20.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Capital One® QuicksilverOne® Cash Rewards Credit Card Apply Now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time - cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
617
average
537
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%* until January 2016 0%* until January 2016 22.9%* Variable $39* Fair Credit*
Intro APR Purchases 0% until January 2016*
Intro APR Balance Transfer 0% until January 2016*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
714
average
643
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%*-21 mths* 0%*-21 mths* 12.99%-22.99%* Variable $0* Excellent Credit*
Intro APR Purchases 0%-21 mths*
Intro APR Balance Transfer 0%-21 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0% for 15 months* 0% for 15 months* 12.99% – 22.99%* Variable $0* Excellent Credit*
Intro APR Purchases 0% for 15 months*
Intro APR Balance Transfer 0% for 15 months*
Regular APR 12.99% – 22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no signups needed*. 1% cash back on all your other purchases.
  • Redeem your cashback for any amount, any time*. Your cash back never expires.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 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.
  • 100% U.S.- based customer service- day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-14 mths* 0%-14 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-14 mths*
Intro APR Balance Transfer 0%-14 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

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  • No collateral, no problem.
Credit Cards › 0% Purchases Credit Cards

† 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.