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:
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
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Excellent/Good Credit
Intro APR Purchase
0%
12 months
Regular APR
13.99% - 23.99%
(Variable)
Annual fee
$95
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Excellent/Good Credit
Benefits & Key features
- Recieve a $250 statement credit by spending $1,000 in purchases on a new card within the first 3 months.
- Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% US gas stations, and 1% on other purchases. Terms and limitations apply.
- Additionally, earn 6% Cash Back on select U.S. streaming subscriptions and 3% Cash Back on transit (parking, trains, buses, taxis/rideshare, tolls, and more).
- Cash back can be redeemed as a statement credit.
- Use Plan It® to split up purchases of at least $100 into monthly payments at a fixed fee.
- A credit card that gives you cash back with a 0% Intro APR Offer on purchases for 12 months.
- After that, your APR will be a variable rate, currently 13.99%-23.99% based on your creditworthiness and other factors.
- Terms and restrictions apply.
- See Rates & Fees
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
12 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$95
ABOC Platinum Rewards Credit Card
ABOC Platinum Rewards Credit Card
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Excellent Credit
Intro APR Purchase
0%
on Purchases for 12 months
Regular APR
12.90% - 22.90%
Variable APR on purchases
Annual fee
$0
Apply Now
Excellent Credit
Benefits & Key features
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), based on your credit worthiness"
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- No Annual Fee or Foreign Transaction Fee
- Select Your Rewards Your Way
- No Foreign Transaction Fee
Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
on Purchases for 12 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
12.90% - 22.90%
Variable APR on purchases
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
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Excellent/Good Credit
Intro APR Purchase
0%
15 months
Regular APR
13.99% - 23.99%
(Variable)
Annual fee
$0
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Excellent/Good Credit
Benefits & Key features
- Earn 20% back when you shop at Amazon.com within the first 6 months of receiving a new card - up to $200 back!
- Earn an additional $100 reward by spending $1,000 in purchases on a new card within the first 6 months.
- Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
- Get a low introductory APR of 0% for the first 15 months on purchases from your account opening - then a variable rate of 13.99% to 23.99%.
- Hassle-free cash back: no enrollment required, the same great reward categories year-round.
- Cash back is awarded as Reward Dollars that can be redeemed as a statement credit.
- Use Plan It® to split up purchases of at least $100 into monthly payments at a fixed fee.
- No Annual Fee.
- Terms and restrictions apply.
- See Rates & Fees
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$0
American Express Cash Magnet® Card
American Express Cash Magnet® Card
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on creditcards.com's secure website.
Intro APR Purchase
0%
15 months
Regular APR
13.99% - 23.99%
(Variable)
Annual fee
$0
Learn more
on creditcards.com's secure website.
Benefits & Key features
- Receive a $150 bonus when you spend at least $1,000 in purchases within 3 months of opening a new card.
- Get 1.5% Cash Back on all purchases.
- Cash back is earned in the form of Reward Dollars that can be redeemed for statement credits.
- A Cash Back card with a 0% introductory APR for the first 15 months on purchases.
- After that, your APR will be a variable rate, currently 13.99% - 23.99% based on your creditworthiness and other factors.
- More and more businesses are accepting American Express® Cards.
- No annual fee.
- Terms and Restrictions apply.
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$0
Assent Platinum 0% Intro Rate Mastercard Secured Credit Card
Assent Platinum 0% Intro Rate Mastercard Secured Credit Card
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Poor/Limited Credit
Intro APR for Balance Transfer
N/A
Regular APR
12.99% (V)
Annual fee
$49
Apply Now
Poor/Limited Credit
Benefits & Key features
- Enjoy 0% APR on Purchases for Six Months!
- Full-Feature Platinum Mastercard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms
Poor / Limited
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
For the first 6 months your account is open
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
12.99% (V)
Annual Fee
$49
Loans Under 36%
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes