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. 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.

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.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Wells Fargo Platinum card

0% intro APR
for 18 months

15.49%-24.99% (Variable) APR after that

Rates & Fees

0% intro APR
for 18 months on qualifying balance transfers

15.49%-24.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • 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
Wells Fargo Cash Wise Visa® card

0% intro APR
for 15 months

13.99%-25.99% (Variable) APR after that

Rates & Fees

0% intro APR
for 15 months on qualifying balance transfers

13.99%-25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
Wells Fargo Propel American Express® card

0% intro APR
for 12 months

13.99%-25.99% (Variable) APR after that

Rates & Fees

0% intro APR
for 12 months on qualifying balance transfers

13.99%-25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • 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 travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
American Express Blue Business Cash™ Card

0% intro APR
for 12 months from date of account opening

13.24% - 19.24% Variable APR after that

Rates & Fees

13.24% - 19.24% Variable APR

No annual fee

Good, Excellent CreditLearn MoreView Card Details
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
The Blue Business® Plus Credit Card from American Express

0% intro APR
for 12 months from date of account opening

13.24% - 19.24% Variable APR after that

Rates & Fees

13.24% - 19.24% Variable APR

No annual fee

Good, Excellent CreditLearn MoreView Card Details
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%-19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
ABOC Platinum Rewards Credit Card

0% intro APR
for 12 months

14.40% - 24.40% Variable APR after that

0% intro APR
for 18 months

14.40% - 24.40% Variable APR after that

$0

Excellent, Good CreditLearn MoreView Card Details
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, 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
  • 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
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • 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 travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%-19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, 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

Additional 0% Intro APR Credit Cards

In addition to the above offers, quite a few 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 purchases <<


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