Buy Now and Pay Later with 0% APR Credit Cards

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Use 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 680 or above, you may qualify for these offers.

0% Interest on Purchases for 18 Months or More

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Platinum CardWells Fargo Platinum card0% on purchases and qualifying balance transfers for 18 months from account opening$0
BankAmericard Credit CardBankAmericard® credit card0% on purchases and qualifying balance transfers for 18 billing cycles$0
Citi Diamond Preferred CardCiti® Diamond Preferred® Card0% on purchases and balance transfers for 18 months$0
U.S. Bank Visa Platinum CardU.S. Bank Visa® Platinum Card0% on purchases and balance transfers for 20 billing cycles$0

0% Interest on Purchases for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Bank of America Cash Rewards Credit CardBank of America® Cash Rewards credit card0% on purchases and qualifying balance transfers for 15 billing cycles$0
Wells Fargo Cash Wise Visa CardWells Fargo Cash Wise Visa® card0% on purchases and qualifying balance transfers for 15 months from account opening$0
Citi Rewards+ CardCiti Rewards+® Card0% on purchases and balance transfers for 15 months$0
Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express0% on purchases and balance transfers for 15 months$0
Chase Freedom UnlimitedChase Freedom Unlimited®0% on purchases for 15 months$0

0% Interest on Purchases for 12 Months

Credit Card0% Introductory InterestAnnual Fee
Bank of America Travel Rewards Credit CardBank of America® Travel Rewards credit card0% on purchases for 12 billing cycles$0
Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express0% on purchases for 12 months$0 intro for first year, then $95
U.S. Bank Altitude Go Visa Signature CardU.S. Bank Altitude Go Visa Signature Card0% on purchases and balance transfers for 12 billing cycles$0
American Express Blue Business Cash CardAmerican Express Blue Business Cash™ Card0% on purchases for 12 months from date of account opening$0


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