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
Intro APR Purchase
0%
Introductory APR on purchases for 18 billing cycles
View Details
Regular
APR
15.24% - 25.24%
Variable APR on purchases and balance transfers
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all 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
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 18 billing cycles
Intro APR for Balance Transfer
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Bank of America® Cash Rewards credit card
Intro APR Purchase
0%
Introductory APR on purchases for 12 billing cycles
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Regular
APR
16.24% - 26.24%
Variable APR on purchases and balance transfers
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- No annual fee
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
- No expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 12 billing cycles
Intro APR for Balance Transfer
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Capital One® Quicksilver® Cash Rewards Credit Card
Intro APR Purchase
0%
for 15 months
View Details
Regular
APR
16.24% - 26.24%
(Variable)
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% intro on purchases for 15 months
Intro APR for Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
Intro APR Purchase
0%
Introductory APR on purchases for 12 billing cycles
View Details
Regular
APR
17.24% - 25.24%
Variable APR on purchases and balance transfers
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 17.24% - 25.24% Variable APR
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 12 billing cycles
Intro APR for Balance Transfer
N/A
Regular APR
17.24% - 25.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Citi Simplicity® Card - No Late Fees Ever
Intro APR Purchase
0%*
for 12 months*
View Details
Regular
APR
16.24% - 26.24%*
(Variable)
Annual
Fee
$0*
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 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 16.24% - 26.24%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, 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 balances, are paid in full
- 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
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0%* for 12 months on Purchases*
Intro APR for Balance Transfer
0%* for 21 months on Balance Transfers*
Regular APR
16.24% - 26.24%* (Variable)
Annual Fee
$0*
