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.

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
18 months
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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 standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0
  • Bonus: You will receive 20,000 bonus points, redeemable for $200 cash back, after you spend $500 on purchases in your first 3 months from account opening.
  • Rewards: You will earn 5% cash back rewards for each $1 spent on travel purchases booked using your card through the Ultimate Rewards program including available airline tickets, hotel accommodations, car rentals, activities and cruises. You will also earn 3% cash back rewards for each $1 spent on purchases in the following rewards categories: drugstores and dining at restaurants. In addition, you will earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. You will earn unlimited 1% cash back on all other purchases.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
  • Bonus: You will receive 20,000 bonus points after you spend $500 on purchases in your first 3 months from account opening, which can be redeemed for $200 cash back.
  • Rewards: You will earn unlimited 1.5% cash back on all purchases. Your cash back rewards do not expire as long as your account is open.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), 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
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
12.90% to 22.90% Variable
Annual Fee
$0
  • 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, 13.24% - 19.24%, 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
Regular APR
13.24% - 19.24% Variable
Annual Fee (Rates & Fees)
No annual fee
  • 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 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
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Regular APR
13.24% - 19.24% Variable
Annual Fee (Rates & Fees)
No annual fee
  • Bonus: You will receive $250 bonus cash back in the form of statement credit after you spend $1,000 in purchases within the first 3 months.
  • Rewards: You will earn 6% cash back on purchases at U.S. supermarkets, up to the first $6,000 per year, then 1% cash back afterwards. You will earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit. You will earn 1% cash back on other purchases.
  • Annual Fee: This credit card has an annual fee of $95.
  • No annual fee
  • $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
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
14.99% - 23.99%* (Variable)
Annual Fee
$0*
  • Bonus: You will receive up to $300 in bonus cash back. You will earn 20% back on purchases at Amazon.com in the first 6 months, up to $200 back. In addition, you will earn $100 back after spending $1,000 in purchases within the first 6 months.
  • Rewards: You will earn 3% cash back on purchases at U.S. supermarkets, up to the first $6,000 per year, then 1% cash back afterwards. You will earn 2% cash back at U.S. gas stations and at select U.S. department stores. You will earn 1% cash back on other purchases.
  • Annual Fee: This credit card has no annual fee.
  • Bonus: You will receive 75,000 bonus points after you spend $7,500 on purchases during the first 3 months from account opening, which can be redeemed for $750 cash back.
  • Rewards: You will 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. You will earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. You will earn unlimited 1% cash back rewards for each $1 spent on all other purchases.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
  • 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
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 14.99% - 22.99% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap
Intro APR
0% on Purchases
Intro APR Period
12 billing cycles
Regular APR
14.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $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 Cash Wise Visa® card
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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
Regular APR
14.49%-24.99% Variable
Annual Fee
$0
  • 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
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 months
Regular APR
15.49%-24.99% (Variable)
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
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on popular streaming services
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 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
12 months
Regular APR
14.49%-24.99% Variable
Annual Fee
$0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro APR
0% on Purchases
Intro APR Period
15 months
Regular APR
15.49% - 25.49% (Variable)
Annual Fee
$0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro APR
0% on Purchases
Intro APR Period
15 months
Regular APR
15.49% - 25.49% (Variable)
Annual Fee
$0
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% 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
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
15.49% - 25.49% (Variable)
Annual Fee
$0
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
20 billing cycles
Regular APR
13.99% - 23.99%* (Variable)
Annual Fee
$0*
  • Bonus: You will receive 75,000 bonus points after you spend $7,500 on purchases during the first 3 months from account opening. The 75,000 points can be redeemed for $750 cash back.
  • Rewards: You will earn 1.5% cash back rewards for each dollar spent. Your points do not expire as long as your account remains open and is in good standing.
  • Annual Fee: This credit card has no annual fee.
  • Bonus: $150 bonus cash in statement credit after you spend $1,000 on purchases in your first 3 months from account opening.
  • Rewards: You will earn unlimited 1.5% cash back on all your purchases. Cash back is received in the form of Reward Dollars which can be easily redeemed for statement credits, gift cards, and merchandise.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
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