Credit Cards with 0% APR

Do you have some debt you want to pay off? Are you planning on buying a new bedroom set? Or maybe you just want to charge some airline tickets for your honeymoon. If you need a few extra months to pay off a purchase, you should consider...

Creditcards.org Team

| CreditCard.org Contributor

Do you have some debt you want to pay off? Are you planning on buying a new bedroom set? Or maybe you just want to charge some airline tickets for your honeymoon. If you need a few extra months to pay off a purchase, you should consider getting a credit card with a 0% introductory APR on purchases. The catch is to make sure you plan your payments correctly so you’re not stuck with a huge balance at the end of your introductory period with a high-interest rate. Making sure you pay off your entire balance in the introductory period is key to making this card beneficial instead of detrimental to your credit.

Another perk for 0% APR cards is that most of them offer a rewards program. Not only can you buy your airfare to Europe, but you can also receive a sign-up bonus for spending a certain amount in the first few months. There are a variety of rewards cards that offer a 0% introductory offer, you just have to pick the one that is right for you! Here are our top picks for 0% APR credit cards:

1. Citi Simplicity® Card – 0% APR for 12 Months
Our partner Citi® is one of the only issuers who is offering o% APR for 12 months on purchases and a whopping 21 months of no interest on balance transfers! This card is ideal if you have a larger debt you want to pay off, but need more time to make payments.

Citi Simplicity® Card - No Late Fees Ever

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER

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

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2. HSBC Gold Mastercard® credit card – 0% APR for 18 Months
Here is another offer from our partner HSBC, with 18 months of 0% APR. Not only are you offered 0% on purchases, but you won’t have to pay interest on you balance transfers for 18 months either. As an added bonus, this card has no foreign transaction fees.

HSBC Gold Mastercard® credit card

0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.

Apply Now

Good/Excellent Credit

Benefits & KEY FEATURES

    • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% 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

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3. Bank of America® Cash Rewards credit card – 0% APR for 12 Billing Cycles
Bank of America’s cash rewards card doesn’t have quite as lengthy of a no interest period as Citi®, but they do offer a rewards program. In the first 12 billing cycles you have the card open you’ll enjoy interest-free purchases and earn 1% cash back on every purchase. Sounds like free money to us!

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

No annual fee

Apply Now

Excellent/Good Credit

Benefits & KEY FEATURES

    • No annual fee
    • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
    • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

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Click Here to see all of our credit cards with great intro rewards!

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