Advertiser Disclosure

0% Intro APR Credit Cards

One of the most powerful financial tools that should be in your arsenal is a 0% APR credit card, which enables cardholders to make large transactions and pay them off slowly without incurring interest fees. If you’re searching for a way to make a large purchase without having to take out a loan or pay back more than the item itself, then it’s highly recommended that you apply for one of the following credit cards. In addition to signup bonuses and great rewards, these credit cards will offer you flexibility to pay back your credit card balance over a longer period of time without being penalized. The following are the most popular intro APR credit cards offered by our partners:

BankAmericard® Credit Card

BankAmericard® Credit Card
Intro APR for Balance Transfer
0%
Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Regular APR
14.49% - 24.49%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 billing cycles
Intro APR
(Balance Transfer)
0%
Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Ongoing APR
14.49% - 24.49%
Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever
Intro APR for Balance Transfer
0%*
for 18 months
Regular APR
15.49% - 25.49%*
Variable
Annual fee
$0*
Apply Now
Excellent/Good Credit

Benefits & Key features

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%*
for 18 months
Intro APR
(Balance Transfer)
0%*
for 18 months
Ongoing APR
15.49% - 25.49%*
Variable
Annual Fee
$0*

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card
Intro APR for Balance Transfer
0%
for 18 months
Regular APR
12.49% - 20.49%
Variable APR
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49%, 16.49% or 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 18 months
Intro APR
(Balance Transfer)
0%
for 18 months
Ongoing APR
12.49% - 20.49%
Variable APR
Annual Fee
$0

Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer

Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer
Intro APR for Balance Transfer
0%*
for 21 months
Regular APR
14.49% - 24.49%*
Variable
Annual fee
$0*
Apply Now
Excellent/Good Credit

Benefits & Key features

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%*
for 12 months
Intro APR
(Balance Transfer)
0%*
for 21 months
Ongoing APR
14.49% - 24.49%*
Variable
Annual Fee
$0*

Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card
Intro APR for Balance Transfer
0%
for 15 months
Regular APR
14.99% - 24.99%*
Variable
Annual fee
$0*
Apply Now
Excellent Credit

Benefits & Key features

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
for 15 months
Ongoing APR
14.99% - 24.99%*
Variable
Annual Fee
$0*