0% Intro APR Credit Cards

Credit cards with 0% intro interest on purchases can help you save money. Whether you are trying to pay off your debt or you need to make a big purchase in the near future, credit cards that offer 0% introductory APR on purchases let you borrow money from banks now and pay off debt later without incurring any interest or fees, as long as you make the minimum payments every month.

Related: Buy Now and Pay Later with 0% APR Credit Cards

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • 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
up to 21 months from account opening
Regular APR
17.24% - 29.24% variable
Annual Fee (rates & fees)
$0
  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
21 billing cycles
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Annual Fee
$0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
18.24% - 28.24% (Variable)
Annual Fee
$0
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • 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 from account opening
Regular APR
19.24%, 24.24%, or 29.24% variable
Annual Fee (rates & fees)
$0
  • $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.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Annual Fee
$0
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don't expire.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Annual Fee
$0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • 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 Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
17.74% - 27.74% (Variable)
Annual Fee
$0
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Annual Fee
$0
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select "Apply Now" to learn more about the product features, terms and conditions.
Intro APR
0% on Purchases
Intro APR Period
12 months from account opening
Regular APR
19.24%, 24.24%, or 29.24% variable
Annual Fee (rates & fees)
$0
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
Intro APR
0% on Purchases*
Intro APR Period
12 months*
Regular APR
19.24% to 29.24% Variable*
Annual Fee
No Annual Fee*
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Intro APR on Purchases
0% for 12 months on purchases
Intro APR on Transfers
0% for 21 months on qualified balance transfers
Regular APR
18.24% - 28.99% (Variable)
Annual Fee
$0
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Intro APR on Purchases
0% for 12 months on purchases
Intro APR on Transfers
0% for 21 months on qualified balance transfers
Regular APR
17.24% - 27.99% (Variable)
Annual Fee
$0
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 28.74%.
  • 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule
  • No Annual Fee
  • Terms and conditions apply.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
18.74% - 28.74% (Variable)
Annual Fee (rates & fees)
$0
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.74%
  • No Annual Fee
  • Terms and conditions apply.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 billing cycles
Regular APR
18.74% - 28.74% (Variable)
Annual Fee (rates & fees)
$0
  • You will earn a $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months.
  • Pay no annual fee. (see rates & fees)
  • You can enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
  • You will earn 3% Cash Rewards at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • You will earn 3% Cash Rewards on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • You will earn 3% Cash Rewards at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
  • Terms Apply.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
18.24% - 29.24% Variable
Annual Fee (rates & fees)
$0
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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 for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Purchase APR
17.49% - 25.49% Variable
Annual Fee (rates & fees)
No annual fee
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 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.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *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 for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Purchase APR
17.49% - 25.49% Variable
Annual Fee (rates & fees)
No annual fee
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
19.24% - 27.99% Variable
Annual Fee
$0
  • Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
  • Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
  • You will earn a $250 statement credit after spending $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95. (see rates & fees)
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24%
  • You will earn 6% Cash Rewards at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • You will earn 6% Cash Rewards on select U.S. streaming subscriptions.
  • You will earn 3% Cash Rewards at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • You will earn 1% Cash Rewards on other purchases.
  • Terms Apply.
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
18.24% - 29.24% Variable
Annual Fee (rates & fees)
$0 intro annual fee for the first year, then $95.
  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.24% - 28.24%.
  • No Annual Fee
  • Points never expire
  • Terms and conditions apply.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
19.24% - 28.24% (Variable)
Annual Fee (rates & fees)
$0
  • You will earn a $200 bonus cash after spending $500 on purchases within the first 3 months of account opening
  • You will earn unlimited 1.5% cash rewards on all purchases
  • Pay no annual fee and no foreign transaction fees
  • You can enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire and there's no cap on how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
19.24% - 29.24% (Variable)
Annual Fee
$0
  • Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
  • Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
  • 0% Intro APR on purchases for the first 12 months, variable of 18.24% to 28.24% APR after.*
  • 5% in Earnings on GM dealership parts, accessories or service purchases.*
  • 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
  • No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
Intro APR
0% on Purchases*
Intro APR Period
12 months*
Regular APR
18.24% to 28.24% Variable*
Annual Fee
No Annual Fee*
  • Pay no annual fee and no foreign transaction fees
  • You will earn a bonus of 20,000 miles after spending $500 on purchases within the first 3 months of account opening, redeemable for $200 in travel
  • You will earn unlimited 1.25 miles per dollar on all purchases
  • Miles won't expire and there's no cap on how many you can earn
  • You will earn 5 miles per dollar on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options
  • Redeem miles for travel credit, or redeem miles for trips purchased through Capital One Travel
  • You can transfer miles to 15+ travel loyalty programs
  • You can enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
19.24% - 29.24% (Variable)
Annual Fee
$0
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.24% - 27.99% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
18 months
Regular APR
19.24% - 27.99% Variable
Annual Fee
$0
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