0% Intro APR Credit Cards

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Credit 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 <<


Editorial Note: The editorial content on this page is prepared by CardBenefit.com staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotel chains, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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