RedditUse 0% APR Credit Cards to Make Purchases Now and Pay Later
If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later. Credit cards with 0% intro APR allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees, as long as you make the minimum payments every month.
At this time, many credit cards offer 0% introductory APR on purchases for 12 months or more. If you are short of cash for an expensive purchase, you can open a new credit card with 0% intro APR to enjoy the buying power now. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a 0% APR credit card not only helps you afford the purchase, but also helps you save money by paying no interest for a long time.
Best 0% APR Credit Cards on Purchases
Choose from one of the following credit cards that offer 0% on purchases for at least 12 months. All these credit cards are for people who have good or excellent credit rating. If you have a credit score of 700 or above, you may qualify for these offers.
0% Interest on Purchases for up to 21 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Reflect® Card | 0% on purchases and qualifying balance transfers for 21 months from account opening (rates & fees) | $0 |
0% Interest on Purchases for 15 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Active Cash® Card | 0% on purchases and qualifying balance transfers for 15 months from account opening (rates & fees) | $0 |
 | Bank of America® Travel Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies. | $0 |
 | Bank of America® Customized Cash Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies. | $0 |
 | Bank of America® Unlimited Cash Rewards credit card | 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies. | $0 |
 | Citi Rewards+® Card | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 |
 | Citi Custom Cash® Card | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 |
 | Blue Cash Everyday® Card from American Express | 0% on purchases and balance transfers for 15 months (rates & fees) | $0 (fees) |
 | Chase Freedom Unlimited® | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies. | $0 |
0% Interest on Purchases for 12 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Autograph℠ Card | 0% on purchases for 12 months from account opening (rates & fees) | $0 |
 | Blue Cash Preferred® Card from American Express | 0% on purchases for 12 months (rates & fees) | $0 intro annual fee for the first year, then $95. (fees) |
 | Ink Business Cash® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies. | $0 |
 | Ink Business Unlimited® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies. | $0 |
 | Citi® Diamond Preferred® Card | 0% on purchases for 12 months and on qualifying balance transfers for 21 months (rates & fees) | $0 |
 | United Gateway℠ Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 21.99% - 28.99% variable applies. | $0 |
