Credit Card Offers with 0% Intro APR on Purchases

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When you need to make a big purchase and want to pay no interest while paying it off, you may want to get a credit card with a 0% intro APR on purchases. There is a good bunch of cards that charge no interest on purchases for minimum 6 months, so you can spread your monthly payments over at least a half-year period and not pay a penny of interest.

Best Credit Cards with 0% 0n Purchase

for Excellent, Good Credit
$100 Back
No Annual Fee
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Bal. Transf. N/A
Intro APR on Purchases 0% intro on purchases for 12 months
Regular APR 12.49% - 22.49% (Variable)
Annual Fee $0
Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
 
Consumer Rating: 5 / 5

Other Credit Cards with 0% 0n Purchases

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How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Intro APR Purch.
(Intro Period)
Intro APR Bal.Tr.
(Intro Period)
APR %
Annual Fee
Apply
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months)7 0% (12 months)7 13.49% - 23.49% (V)7 $957
 
Consumer Rating: 4 / 5
  • $100 BACK after you spend $1,000 in purchases on the Card in the first 3 months.7
  • PLUS, 5% back on $4,000 in eligible travel purchases on the Card in the first 6 months, up to $200.7
  • 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%); 2% Cash Back at U.S. gas stations; 2% Cash Back at select U.S. department stores; and 1% Cash Back on other purchases.7
  • Getting cash back on eligible purchases.7
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.7
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.7
  • Terms and limitations apply.7
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0% intro on purchases for 9 months 0% intro on balance transfers for 9 months 13.49% - 23.49% (Variable) $0
 
Consumer Rating: 5 / 5
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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 doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (15 months) 0% (15 months (on balance transfers made within 45 days of account opening)) 13.49% Variable $0
 
Consumer Rating: 4 / 5
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 0.00% See Terms
 
Consumer Rating: 4 / 5
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 0.0% $49
 
Consumer Rating: 4 / 5
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A N/A 0% N/A
 
Consumer Rating: 4 / 5
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (9 months)7 See terms 12.74% - 19.74% (V)7 $07
 
Consumer Rating: 4 / 5
  • Get cash back with buying power to help pay for business needs.7
  • 5% Cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers.7
  • 3% Cash back on the category of your choice from a list of eight.7
  • 1% Cash back on other purchases.7
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back earned is automatically credited to your statement.7
  • No annual fee.7
  • Terms and limitations apply.7

6 In Accordance with Terms and Conditions.
7 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

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0% on Purchases Credit Cards Basics

A new card with a 0% introductory APR lets you make purchases without incurring any finance charges during the promotional period. However, these cards do still require a monthly minimum payment. Failure to make a monthly payment will cause you to default on your cardholder agreement, and your introductory APR may turn into a penalty APR and you can be charged a late payment fee - so never miss a due date!

The best thing about a 0% APR credit card is, obviously, the interest-free introductory period! You'll pay no interest for several months after your account is opened, depending on your offer. But be careful to pay off your card balance in full by the end if the introductory period because once it ends, and ongoing interest rate will apply to your unpaid balance and future purchases. Some issuers even charge interest back to the first day of promo period.

Another good feature of the zero interest credit cards is a rewards program. Many issuers allow to earn cash back, points or miles on purchases. Also, Visa, MasterCard, American Express, and Discover cards, all have purchase protection plans on items bought with their cards - so, if your fancy new computer goes on the fritz, your credit card company may refund you even if the store won't.
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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.