RedditCredit cards with 0% introductory interest on purchases or balance transfers can help you save money. Whether you are trying to pay off your debt or you need to make a big purchase, 0% intro APR credit cards let you borrow money from banks for a certain period of time and pay off debt later without incurring any interest or fees, as long as you make the minimum payments every month.
Wells Fargo Platinum card: 0% APR for 18 Months
Wells Fargo Platinum card lets you enjoy 0% intro APR for 18 months for purchases, and for any balance transfers made in the first 120 days. This credit card has no annual fee.
- Pay down balances instead of interest with Wells Fargo's longest intro APR
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Zero Liability protection for promptly reported unauthorized transactions
- Convenient tools to help create a budget and manage your spending with My Money Map
- Select "Apply Now" to learn more about the product features, terms and conditions
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 18 months
- Regular APR
- 15.49%-24.99% (Variable)
- Annual Fee
- $0
Wells Fargo Cash Wise Visa® card: 0% APR for 15 Months
Wells Fargo Cash Wise Visa® card lets you enjoy 0% intro APR for 15 months for purchases, and for any balance transfers made in the first 120 days. This credit card has no annual fee. It also offers a bonus of $150 after qualified spending and 1.5% cash rewards on purchases.
- Earn a $150 cash rewards bonus after spending $500 in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
- $0 annual fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Select "Apply Now" to learn more about the product features, terms and conditions
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 14.49%-24.99% Variable
- Annual Fee
- $0
Citi Rewards+℠ Card: 0% APR for 15 Months
Citi Rewards+® Card lets you enjoy 0% intro APR for 15 months on purchases and balance transfers. This credit card has no annual fee. It also offers a bonus of 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.
- The 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 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 13.49% - 23.49% (Variable)
- Annual Fee
- $0
Wells Fargo Propel American Express® card: 0% APR for 12 Months
Wells Fargo Propel American Express® card lets you enjoy 0% intro APR for 12 months for purchases, and for any balance transfers made in the first 120 days. This credit card has no annual fee. It also offers a bonus of 20,000 bonus points after qualified spending and up to 3X rewards points on purchases.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 12 months
- Regular APR
- 14.49%-24.99% Variable
- Annual Fee
- $0
BankAmericard credit card: 0% APR for 18 Billing Cycles
BankAmericard® credit card lets you enjoy 0% intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. This credit card has no annual fee.
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 12 billing cycles
- Regular APR
- 12.99% - 22.99% Variable APR on purchases and balance transfers
- Annual Fee
- $0
Bank of America® Cash Rewards: 0% APR for 15 Billing Cycles
Bank of America® Cash Rewards credit card lets you enjoy 0% intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. You can earn 3% cash back on purchases in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings. On top of the baseline cash rewards, Bank of America and Merrill customers can earn an additional loyalty bonus of Preferred Rewards, which may increase your rewards to 5.25% cash back on select purchases of your choice. This credit card has no annual fee. It is offering $200 bonus.
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- Contactless Cards - The security of a chip card, with the convenience of a tap
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 12 billing cycles
- Regular APR
- 13.99% - 23.99% Variable APR on purchases and balance transfers
- Annual Fee
- $0
Capital One® Quicksilver® Cash Rewards: 0% APR for 15 Months
Capital One Quicksilver Cash Rewards Credit Card lets you enjoy 0% intro APR on purchases and balance transfers for 15 months. In addition, it offers unlimited 1.5% cash back on all purchases. This credit card has no annual fee and no foreign transaction fees. It is offering $150 bonus.
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- 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; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- Intro APR
- 0% on Purchases
- Intro APR Period
- 15 months
- Regular APR
- 15.49% - 25.49% (Variable)
- Annual Fee
- $0
Capital One SavorOne Cash Rewards: 0% APR for 15 Months
Capital One SavorOne Cash Rewards Credit Card lets you enjoy 0% intro APR on purchases and balance transfers for 15 months. In addition, it offers unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. This credit card has no annual fee and no foreign transaction fees. It is offering $150 bonus.
- Earn a one-time $200 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; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- Intro APR
- 0% on Purchases
- Intro APR Period
- 15 months
- Regular APR
- 15.49% - 25.49% (Variable)
- Annual Fee
- $0
ABOC Platinum Rewards Credit Card: 0% APR for 12 Months on Purchases and 18 months on Balance Transfers
ABOC Platinum Rewards Credit Card lets you enjoy 0% intro APR on purchases for 12 months and on balance transfers for 18 months. In addition, it offers 5X rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive. This credit card has no annual fee. It is offering $150 bonus.
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 months
- Regular APR
- 12.90% to 22.90% Variable
- Annual Fee
- $0
Mastercard Titanium Card: 0% APR on Balance Transfers for 15 Billing Cycles
Mastercard® Titanium Card™ lets you enjoy 0% intro APR for 15 billing cycles on balance transfers made in the first 45 days. In addition, it offers 2% value for redeeming points for airfare, 24/7 Luxury Card Concierge, exclusive Luxury Card Travel Benefits, and more.
- Patented brushed stainless steel front and carbon back-weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
- 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
- Members-only LUXURY MAGAZINE®.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
- Intro APR
- 0% on Balance Transfers made in the first 45 days
- Intro APR Period
- 15 billing cycles
- Regular APR
- 14.99% Variable
- Annual Fee
- $195 ($95 for each Authorized User added to the account)
Additional 0% Intro APR Credit Cards
In addition to the above offers, 15 other credit cards let you enjoy 0% introductory APR for an extended period.
>> Click here to see more credit cards with 0% intro APR on balance transfers <<
>> Click here to see more credit cards with 0% intro APR on purchases <<
