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 18 billing cycles for balance transfers made in the first 60 days
Regular APR
14.99% - 24.99%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit

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, then, 14.99% - 24.99% 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 Needed
680
850
Intro APR
(Purchases)
0%
Introductory APR on purchases for 18 billing cycles
Intro APR
(Balance Transfer)
0%
Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
14.99% - 24.99%
Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity<sup>&reg;</sup> Card - No Late Fees Ever
Intro APR for Balance Transfer
0%*
for 21 months
Regular APR
15.99% - 25.99%*
(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 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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 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
  • 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
680
850
Intro APR
(Purchases)
0%*
for 12 months*
Intro APR
(Balance Transfer)
0%*
for 21 months
Regular APR
15.99% - 25.99%*
(Variable)
Annual Fee
$0*

Citi ThankYou® Preferred Card

Citi ThankYou<sup>&reg;</sup> Preferred Card
Intro APR for Balance Transfer
0%
for 15 months
Regular APR
15.49% - 25.49%*
(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 15.49% - 25.49% 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 Needed
720
850
Intro APR
(Purchases)
0%
for 15 months*
Intro APR
(Balance Transfer)
0%
for 15 months
Regular APR
15.49% - 25.49%*
(Variable)
Annual Fee
$0*

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

Bank of America&reg; Travel Rewards credit card - 25,000 Bonus Points Offer
Intro APR for Balance Transfer
N/A
Regular APR
16.99% - 24.99%
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
  • NEW OFFER: 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 16.99% - 24.99% 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%

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
Introductory APR on purchases for 12 billing cycles
Intro APR
(Balance Transfer)
N/A
Regular APR
16.99% - 24.99%
Variable APR on purchases and balance transfers
Annual Fee
$0

Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card
Intro APR for Balance Transfer
N/A
Regular APR
13.74% - 23.74%
(Variable)
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 12 months
Intro APR
(Balance Transfer)
N/A
Regular APR
13.74% - 23.74%
(Variable)
Annual Fee
$0