Save Money with Credit Cards that Offer 0% APR on Purchases

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How 0%-on-Purchases Credit Cards Work

Some credit cards offers 0% introductory APR on purchases for a period of time, typically between 6 and 24 months. These cards extend you credit for your purchases now and allow you to pay off the balance later without charging interest fees during the introductory period, as long as you make monthly minimum payments to keep your account active. You can save money on the potential interest cost of expensive purchases by riding the 0% APR until the introductory period ends, and then paying off the balance completely or choosing to transfer the balance to another card with 0% or lower APR.

During the introductory period, you still need to make monthly minimum payments, which is usually just 1% of your current balance. Making minimum payments each month reduces your account balance. More importantly, it is like signaling to the bank that you are still actively managing your account and are not disappearing completely. If you don’t make the minimum payments, you will be charged for penalty fees.

Potential Savings by Using a 0% Credit Card on Purchases

How much can you save with a 0% credit card? For instance, if you have a credit card offering 0% on purchases for 12 months and use it for a purchase of $10,000, you can ride the 0% APR until the end of the 12 introductory months. Compared with a typical interest rate of 18% that may be charged by other credit cards, you will save about $1,800 (= $10,000 * 18%) on the potential cost of interest for the 12 months.

Credit Cards that Feature 0% APR on Purchases

Choose from the following best 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% on Purchases for 18 Months or More

Credit Card0% Introductory InterestAnnual Fee
BankAmericard Credit Card

BankAmericard® credit card

0% on purchases and qualifying balance transfers for 18 billing cycles$0
Wells Fargo Reflect Card

Wells Fargo Reflect℠ Card

0% on purchases and qualifying balance transfers for up to 21 months from account opening
(rates & fees)
$0
(fees)
U.S. Bank Visa Platinum Card

U.S. Bank Visa® Platinum Card

0% on purchases and balance transfers for 20 billing cycles$0

0% on Purchases for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Bank of America Travel Rewards Credit Card

Bank of America® Travel Rewards credit card

0% on purchases for 15 billing cycles$0
Wells Fargo Active Cash Card

Wells Fargo Active Cash® Card

0% on purchases and qualifying balance transfers for 15 months from account opening
(rates & fees)
$0
(fees)
Bank of America Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card

0% on purchases and qualifying balance transfers for 15 billing cycles$0
Bank of America Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

0% on purchases and qualifying balance transfers for 15 billing cycles$0
Citi Custom Cash Card

Citi Custom Cash℠ Card

0% on purchases and balance transfers for 15 months$0
Citi Rewards+ Card

Citi Rewards+® Card

0% on purchases and balance transfers for 15 months$0
Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

0% on purchases for 15 months
(rates & fees)
$0
(fees)
Chase Freedom Unlimited

Chase Freedom Unlimited®

0% on purchases and balance transfers for 15 months$0
Chase Freedom Flex

Chase Freedom Flex℠

0% on purchases and balance transfers for 15 months$0
U.S. Bank Business Triple Cash Rewards World Elite Mastercard

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

0% on purchases for 15 billing cycles$0

0% on Purchases for 12 Months

Credit Card0% Introductory InterestAnnual Fee
Citi Simplicity Card

Citi Simplicity® Card

0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Citi Diamond Preferred Card

Citi® Diamond Preferred® Card

0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

0% on purchases for 12 months
(rates & fees)
$0 introductory annual fee for the first year, then $95.
(fees)
U.S. Bank Altitude Go Visa Signature Card

U.S. Bank Altitude Go Visa Signature Card

0% on purchases and balance transfers for 12 billing cycles$0
American Express Blue Business Cash Card

American Express Blue Business Cash™ Card

0% on purchases for 12 months from date of account opening
(rates & fees)
$0
(fees)
The Blue Business Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

0% on purchases for 12 months from date of account opening
(rates & fees)
$0
(fees)
Ink Business Cash Credit Card

Ink Business Cash℠ Credit Card

0% on purchases for 12 months$0
Ink Business Unlimited Credit Card

Ink Business Unlimited℠ Credit Card

0% on purchases for 12 months$0

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

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