0% Purchases Credit Cards

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 best 0% intro APR credit card offers as selected by the CreditCards.org staff:

  • 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* N/A* 10.99%-20.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-15 Billing Cycles*
Intro APR Balance Transfer N/A*
Regular APR 10.99%-20.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • Get 0% intro APR on all purchases until November 2015
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
687
average
634
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until November 2015* 0%-until November 2015* 10.9%-18.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until November 2015*
Intro APR Balance Transfer 0%-until November 2015*
Regular APR 10.9%-18.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Citi Simplicity® Card Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% 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.
701
average
652
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-18 mths* 0%-18 mths* 12.99%-21.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-18 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 12.99%-21.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Discover it® Apply Now
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
711
average
676
lowest
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*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S. based customer service - anytime, day and 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%-6 mths* 0%-6 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer 0%-6 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • APR won't go up if you pay late.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S. based customer service—anytime, day and 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*
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
  • No limit to the cash back you can earn
  • Your cash back doesn’t expire
  • 0% intro APR on purchases until May 2015
  • 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
618
average
563
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until May 2015* N/A* 22.9% Variable* $39* Fair Credit*
Intro APR Purchases 0%-until May 2015*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 billing period* 0%-15 billing period* 9.99%-23.99% (Variable)* $0* Excellent Credit*
Intro APR Purchases 0%-15 billing period*
Intro APR Balance Transfer 0%-15 billing period*
Regular APR 9.99%-23.99% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit*
Chase Freedom® Apply Now
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl's®
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
696
average
643
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 mths* 0%-15 mths* 13.99%-22.99% Variable* $0* Good Credit*
Intro APR Purchases 0%-15 mths*
Intro APR Balance Transfer 0%-15 mths*
Regular APR 13.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Good Credit*
Chase Slate® Apply Now
--OR CALL--
  • Pay less interest. Save on balances and new purchases
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • No Annual Fee
Apply Now
--OR CALL--
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 mths* 0%-15 mths* 12.99%, 17.99%, 22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-15 mths*
Intro APR Balance Transfer 0%-15 mths*
Regular APR 12.99%, 17.99%, 22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

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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.