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. 15.99% to 27.99% 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
15.99% - 27.99% Variable
Annual Fee (rates & fees)
$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 16.99% - 26.99%, 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
16.99% - 26.99% (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 17.99%, 22.99%, or 27.99% 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 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
17.99%, 22.99%, or 27.99% Variable
Annual Fee (rates & fees)
$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
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 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 16.49% - 26.49%, 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).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 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.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
16.49% - 26.49% (Variable)
Annual Fee
$0
  • Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 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. 17.99%, 22.99%, or 27.99% 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
Regular APR
17.99%, 22.99%, or 27.99% 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. Points add up fast, if you spend $12,000 a year, you will earn at least 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 17.24% to 27.24%.*
  • 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. Select 'Apply Now' to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval.
Intro APR
0% on Purchases*
Intro APR Period
12 months*
Regular APR
17.24%-27.24% 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 17.74% - 27.74%, 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 5% of the amount of each transfer, whichever is greater.
  • 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
17.74% - 27.74% (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 16.74% - 26.74%, 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 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
16.74% - 26.74% (Variable)
Annual Fee
$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, 16.99% to 27.99% 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, then 1%.
  • Terms Apply.
  • 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, 16.24% - 24.24%, 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
16.24% - 24.24% 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 us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, 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
16.24% - 24.24% Variable
Annual Fee (rates & fees)
No annual fee
  • You will earn a $200 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • You will earn 5% cash rewards on up to $1,500 in combined purchases in bonus categories each quarter you activate. You can enjoy new 5% categories each quarter!
  • You will earn 5% cash rewards on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • You will earn 3% cash rewards on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash rewards on 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 Rewards rewards do not expire as long as your account is open!
  • 0% introductory interest for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
  • Pay no annual fee - You won't have to pay an annual fee for the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you track your credit with free access to your latest score, real-time alerts, and more.
  • You will earn an additional 1.5% cash rewards on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • You can enjoy 6.5% cash rewards 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 rewards on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash rewards on Chase travel purchased through Ultimate Rewards®, 3% cash rewards on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash rewards on 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 Rewards rewards do not expire as long as your account is open!
  • You can enjoy 0% introductory interest for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
  • Pay no annual fee - You won't have to pay an annual fee for the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you track your credit with free access to your latest score, real-time alerts, and more.
  • You will earn $750 bonus cash back after spending $7,500 on purchases within the first 3 months of account opening
  • You will earn 5% cash rewards 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 rewards on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash rewards on other purchases
  • With Fraud Protection your card transactions will be monitored for signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges.
  • Pay no annual fee
  • You can redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% APR for 12 introductory months on purchases
  • You will earn $750 bonus cash back after spending $7,500 on purchases within the first 3 months of account opening
  • You will earn unlimited 1.5% cash rewards on every purchase made for your business
  • Pay no annual fee
  • You can redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • You will earn rewards faster with employee cards at no additional cost. Set individual spending limits for better control
  • With Fraud Protection your card transactions will be monitored for signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges
  • 0% APR for 12 introductory months on purchases
  • You will earn a $350 statement credit after spending $3,000 in purchases on your new Card within the first 6 months.
  • You can enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.99%-27.99%.
  • 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.
  • Annual Fee: $95. (see rates & fees)
  • Terms Apply.
  • One-time $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 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; 17.99%-27.99% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
  • 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 16.24% to 26.24% 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. Select 'Apply Now' to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval.
Intro APR
0% on Purchases*
Intro APR Period
12 months*
Regular APR
16.24% - 26.24% 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; 17.99% - 27.99% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
  • Start off strong with 0% introductory interest for 18 months from account opening on purchases and balance transfers. A variable APR of 17.24% - 25.99% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% every year. Automatically be considered for an APR reduction when paying on time, and spend at least $1000 on the card by your next account anniversary.
  • Raise your credit limit. Get an automatic, review for a higher credit limit when paying 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 the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you track your credit with free access to your latest score, real-time alerts, and more
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