Credit Cards with 0% APR

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. may be compensated through Affiliate Programs for referrals.

October 22, 2018

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 2016 Top Picks for 0% APR credit cards:


1. Citi Simplicity® Card – 0% APR for 18 Months
Our partner Citi®, is one of the only issuer who is offering a whopping 18 months of no interest! 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

Apply Now

2. Citi® Diamond Preferred® Card – 0% APR for 12 Months
Here is another offer from our partner Citi®, with 12 months 0%  APR. Not only are you offered 0% on purchases, but you won’t have to pay interest on you balance transfers for 21 months either.

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

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3. Bank of America® Cash Rewards credit card – 0% APR for 12Billing 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!

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

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