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, waived first year
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Excellent/Good Credit
Benefits & Key features
- Get 20% back on Amazon.com purchases on the Card in the first 6 months of Card Membership, up to $200 back.
- Plus, get $150 back after you spend $3,000 in Card purchases in the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
- $0 intro annual fee for the first year, then $95.
- Earn 6% Cash Back at U.S. supermarkets on up to $6,000 in purchases per year (then 1%).
- Earn 6% Cash Back on select U.S. streaming subscriptions.
- Earn 3% Cash Back at U.S. gas stations and on transport, including taxis/rideshare, trains, tolls, parking, buses and more.
- Earn 1% Cash Back on other purchases.
- Low intro APR: 0% on purchases for 12 months from the date of account opening, then a variable rate, 13.99% to 23.99%
- Plan It® gives the option to split up purchases of $100 or more into monthly payments with a fixed fee.
- Cash Back is received in the form of Reward Dollars, which can be redeemed as a statement credit.
- Terms Apply.
- See Rates & Fees
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
12 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$95, waived first year
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
Learn More
Excellent/Good Credit
Benefits & Key features
- Get 20% back on Amazon.com purchases on the Card within the first 6 months of membership - up to $150 back.
- Plus, get $100 back after you spend $2,000 in Card purchases in the first 6 months of card membership. You will receive cash back in the form of statement credits.
- Earn 3% Cash Back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%).
- Earn 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- Earn 1% Cash Back on other purchases.
- Low intro APR: 0% on purchases for 15 months from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to split up purchases of $100 or more into monthly payments with a fixed fee.
- Cash back is received in the form of Reward Dollars that can be redeemed easily for statement credits.
- No annual fee.
- Terms 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
N/A
Regular APR
N/A
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.
-
See Rates & Fees
No Credit Check
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
Regular APR
N/A
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
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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