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

  • New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 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, 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
  • 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
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • New! 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 14.99% to 24.99% 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 category restrictions or sign ups 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 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 Active Cash℠ 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
15 months from account opening
Regular APR
14.99% - 24.99% (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 up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 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.
  • 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
15 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
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
  • 0% Introductory APR for 15 billing cycles for purchases. After the intro APR ends, 13.99% - 23.99% Variable APR will apply.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
  • 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
Intro APR Period
15 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
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 on grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year. 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 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. You will earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1.5% on all other 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.
  • 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 American Express 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 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 American Express, 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
  • 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
  • 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
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • 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.
  • 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.
  • Bonus: You will earn a $200 statement credit after you spend $2,000 in purchases on your new Card 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. Terms Apply. (rates & fees)
  • Bonus: You will earn a $300 statement credit after you spend $3,000 in purchases on your card within the first 6 months. After qualifying, please allow 8 - 12 weeks for the statement credit to post to your account.
  • 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. Terms Apply. (rates & fees)
  • Limited Time Offer: You can earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months. Offer expires 11/10/2021.
  • Rewards: You will earn 2X Miles per dollar on Delta purchases, at restaurants worldwide, and at U.S. supermarkets. You will earn 1X Miles per dollar on all other purchases.
  • Fees: This credit card has no annual fee in the first year, then $99 afterwards. It has no foreign transaction fees. Terms Apply. (rates & fees)
  • 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.
  • Limited Time Offer: You can earn 90,000 bonus Delta Airlines miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Offer expires 11/10/2021.
  • Rewards: You will earn 3X SkyMiles on Delta purchases and purchases made directly with hotels. You will earn 2X SkyMiles per dollar at restaurants worldwide and at U.S. supermarkets. You will earn 1X Miles per dollar on all other purchases.
  • Fees: This credit card has an annual fee of $250. It has no foreign transaction fees. Terms Apply. (rates & fees)
  • 0% Intro APR - No interest charged on Purchases for Six Months
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Intro APR
0% on Purchases
Intro APR Period
6 months
Regular APR
12.99% (V)
Annual Fee
$49
  • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
  • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
  • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • Rewards never expire.
  • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
  • 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% - 22.99%.
  • No annual fee.
  • Great Offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021
Intro APR
0% on Purchases
Intro APR Period
15 billing cycles
Regular APR
13.99% - 22.99% Variable
Annual Fee
$0
  • New Offer! With the new Unlimited Cash Rewards credit card, you can earn 1.5% cash back on every purchase, every time.
  • 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
  • If you're a Preferred Rewards member, you earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.
  • No limit to the amount of cash back you can earn and cash rewards don't expire
  • 0% Introductory APR for 15 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.
  • 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
15 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0
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