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*
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.
720
average
641
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 5,000 cardmembers.*
  • 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.*
  • 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 after you sign up*. 1% cash back on all other purchases.
  • 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.
  • 100% 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*
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 June 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
573
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until June 2015* N/A 22.9% Variable* $39* Fair Credit*
Intro APR Purchases 0%-until June 2015*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
  • 2% cash back 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.
  • 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.
  • 100% 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*
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.
719
average
671
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*
  • 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 October 1 - December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • 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
685
average
644
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*
Capital One® Quicksilver® Cash Rewards Credit Card Apply Now
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn't expire and there’s no limit to how much you can earn
  • 0% intro APR on all purchases until June 2015
  • Balance transfers also have a 0% intro APR until June 2015, a 3% fee applies to each balance transferred
  • No annual fee
709
average
654
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until June 2015* 0%-unti June 2015* 12.9%-22.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until June 2015*
Intro APR Balance Transfer 0%-unti June 2015*
Regular APR 12.9%-22.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 Billing Cycles* 0% for 12 billing cycles for qualifying balance transfers 12.99%-22.99% Variable $0* Excellent Credit*
Intro APR Purchases 0%-12 Billing Cycles*
Intro APR Balance Transfer 0% for 12 billing cycles for qualifying balance transfers*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Related Offers

  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.
  • Loans from $100 – $10,000+
  • Repayment Terms up to 60 months!
  • Get your cash as fast as tomorrow
  • * APR between 4.999% & 35.80%
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.