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:

Capital One® SavorOne℠ Cash Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

for 15 months

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Regular
APR

16.24% - 26.24%

(Variable)

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
    • 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
    • No foreign transaction fee
    • No annual fee

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

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

HSBC Gold Mastercard® credit card

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Good/Excellent Credit Needed

Intro APR Purchase

0%

Introductory APR on credit card purchases for the first 15 months from account opening

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Regular
APR

14.24%, 20.24% or 25.24%

Variable APR will apply after the Introductory Period

Annual
Fee

$0

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Good/Excellent Credit Needed

Benefits & KEY FEATURES

    • 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
    • No Penalty APR.
    • Late Fee Waiver.
    • No Foreign Transaction Fees.
    • $0 Annual Fee.
    • $0 liability for unauthorized purchases.
    • Terms Apply.
    • See Rates & Fees

Benefits & KEY FEATURES

Good/Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% Introductory APR on credit card purchases for the first 15 months from account opening

Intro APR for Balance Transfer

0% Introductory APR on balance transfers for the first 15 months from account opening

Regular APR

Variable APR of 14.24%, 20.24% or 25.24% will apply after the Introductory Period

Annual Fee

$0

Capital One® VentureOne® Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

for 12 months

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Regular
APR

14.24% - 24.24%

(Variable)

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • $0 annual fee and no foreign transaction fees
    • Earn a 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
    • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Transfer your miles to over 12 leading travel loyalty programs
    • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
    • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
    • Miles won't expire for the life of the account and there's no limit to how many you can earn

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% intro on purchases for 12 months

Intro APR for Balance Transfer

N/A

Regular APR

14.24% - 24.24% (Variable)

Annual Fee

$0

Citi Rewards+ Card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

for 12 months

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Regular
APR

15.74% - 25.74%

(Variable)

Annual
Fee

$0

View Details

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
    • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
    • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
    • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
    • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% for 12 months on Purchases

Intro APR for Balance Transfer

0% for 12 months on Balance Transfers

Regular APR

15.74% - 25.74% (Variable)

Annual Fee

$0

Related Offers:

  • 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!

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