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
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Excellent/Good Credit
Intro APR Purchase
0%
Introductory APR on purchases for 18 billing cycles
Regular APR
15.24% - 25.24%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit
Benefits & Key features
- 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
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
Introductory APR on purchases for 18 billing cycles
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
Intro APR for 18 billing cycles for any 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 - $200 Cash Rewards Offer
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
Apply Now
Excellent/Good Credit
Intro APR Purchase
0%
Introductory APR on purchases for 12 billing cycles
Regular APR
16.24% - 26.24%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit
Benefits & Key features
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- 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
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
Introductory APR on purchases for 12 billing cycles
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
Intro APR for 12 billing cycles for any 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
Capital One® Quicksilver® Cash Rewards Credit Card
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Excellent/Good Credit
Intro APR Purchase
0%
for 15 months
Regular APR
16.24% - 26.24%
(Variable)
Annual fee
$0
Apply Now
Excellent/Good Credit
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
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
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
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
Apply Now
Excellent/Good Credit
Intro APR Purchase
0%
Introductory APR on purchases for 12 billing cycles
Regular APR
17.24% - 25.24%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit
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 after 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. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
- If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
Introductory APR on purchases for 12 billing cycles
Intro APR
(Balance Transfer)
(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
Citi Simplicity® Card - No Late Fees Ever
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Excellent/Good Credit
Intro APR Purchase
0%*
for 12 months*
Regular APR
16.99% - 26.99%*
(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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.99% - 26.99%, 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
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%*
for 12 months*
Intro APR
(Balance Transfer)
(Balance Transfer)
0%*
for 21 months
Regular APR
16.99% - 26.99%*
(Variable)
Annual Fee
$0*
Monevo - Personal Loans from $1,000 - $100,000
Benefits & Key features
- Unsecured personal loans up to $100,000
- Rates starting as low as 3.99% APR
- Good, Bad and No Credit Welcome
- Get Cash in as little as 24 hours
- Loans for any purpose and no collateral required
- No impact on your credit score to check your rates!