How to Enjoy Credit Cards
for Purchases

Best Card Offers for Purchases

Cash Back Rewards
0% APR & No Fee on BT
Fair / Bad Credit
Intro APR on Bal. Transf. 0% (15 months)
Intro APR on Purchases 0% (15 months)
Regular APR 10.99% - 20.99%± Variable
Annual Fee $0
0% on Purchases and Balance Transfers for 15 months
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.±
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.±
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
Consumer Rating: 5 / 5

Other Credit Cards for Purchases

You can sort items by clicking on the table header

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
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (V)
$026
Consumer Rating: 5 / 5
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • No annual fee.26
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.
See terms See terms 10.9% -
24.9% (V)
See terms
Consumer Rating: 4 / 5
  • Get the credit you need with no processing fees or application fees.
  • $0 Fraud Liability if your card is lost or stolen.
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
0%
(15 months)8
0%
(15 months)
11.99% -
21.99%8 (V)
$0
Consumer Rating: 5 / 5
  • No Balance Transfer Fee!8
  • 0% Intro APR for 15 months on purchases and balance transfers.
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (V)
$026
Consumer Rating: 5 / 5
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • No annual fee.26
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more.
0%
(6 months)
0%
(18 months)
10.99% -
20.99%± Variable
$0
Consumer Rating: 5 / 5
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%.±
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%.±
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.±
0%
(Until
June
2013)
n/a 11.9% -
19.9% (V)
$0
or (866) 554-0808
Consumer Rating: 4 / 5
  • 1.25 miles per dollar on every purchase, every day and no annual fee.
  • One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
  • Redeem miles for airline tickets, hotel rooms, car rentals and more.
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (V)
$026
Consumer Rating: 5 / 5
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • No annual fee.26
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.
0%
(Until
September
2013)
0%
(Until
September
2013)
10.9% -
18.9% (V)
$0
or (866) 554-0808
Consumer Rating: 4 / 5
  • 0% intro APR until September 2013 on balance transfers.
  • 0% intro APR until September 2013 on purchases.
  • No annual fee.
n/a n/a 23.90% $7559
Consumer Rating: 5 / 5
  • Get Pre-Qualified in less than a minute.
  • Includes online access to your monthly Credit Score.
  • Platinum Status.

± Click apply to view rates, fees, rewards, limitations and other important information.
8 See the Chase card terms and conditions online.
26 See the Citi card terms and conditions online.
38 $39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter.
59 $75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

Calculate the cost of paying off
your current balance

Your current credit card info:

Brief results:

You will pay off your balance in 7 months.
You will spend $179.90 on interest and fees.

Paying too much on interest?

See more credit cards to gain »

How to Take Advantage of Credit Cards for Purchases

There is no any doubt that making purchases with a credit card is the most convenient way. It's easy, fast, secure and beneficial. Credit card companies provide a whole lot of opportunities to save and earn when making purchases.

Have a look at credit card deals with low APR on purchases. Pay special attention to a long time and 0 percent APR for a certain period, for instance, 6, 12, or 15 months. Getting a low APR is a wonderful way to save money while shopping.

One more way to benefit from purchasing is to apply for a credit card with rewards. If you are a good credit customer, such attractive deals are available for you. Cash back rewards, for example, are about 1% of the total amount of purchase per month. You will absolutely feel the privilege of owning a cash back plastic, if you buy something really expensive.

Rewards point plastics are also a good way to take advantage from shopping. You buy anything, earn points, and then redeem them for goods or services.

When filling in a credit card application you are getting a chance to enjoy some special exciting shopping experience. Any good credit customer wishes that. With 0% APR you can actually enjoy making expensive purchases. You can pick up an offer with 6, 12, or 15 months 0% APR introductory period.

Of course, there is a certain financial charge for the credit card use, but you can save a great deal of your funds on your account when making purchases.

Latest FAQs More FAQs »

Please click here and browse the credit cards with a balance transfer option and 0% intro APR on balance transfers for definite periods of time and/or low balance transfer fees. Compare these 0% ...

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