BEST 0% INTRODUCTORY AND LOW INTEREST CREDIT CARDS OF 2023

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 the minimum of 6 months, so you can spread your monthly payments over at least a half-year period and not pay a penny of interest.

June 2023: BEST CREDIT CARD WITH 0% INTRO APR ON PURCHASES

4
Card Overall Rating
Excellent/Good/660+ Credit
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% to 29.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
*Rates and Terms and Benefit Terms
Annual Fee
None
  • Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
  • Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
  • Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM

More Credit Cards with 0% Intro APR on Purchases

Group One Freedom Card Application
Compare now (16) »
4
Card Overall Rating
Bad Credit
  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Receive a $750 Credit Line*
  • Easy Application with Immediate Results
  • No Credit Check
  • *usable only at theHorizonOutlet.com
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See terms
GM Business Card™ Application
Compare
on Goldman Sachs' secure website
5
Card Overall Rating
Excellent/Good Credit
  • Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
  • Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months
  • 5% in Earnings on eligible GM dealership parts, accessories or service purchases
  • 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
  • No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
  • 0% Intro APR on purchases for the first 12 months, variable of 18.99% to 28.99% APR after
  • 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. Subject to credit approval
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
18.99% to 28.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
Annual Fee
None
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases and Balance Transfers; a variable go-to APR applies after that.
  • Balance transfer fee between 3% and 5%.
  • Unlimited rewards on all purchases.
  • No Annual Fee.
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
Annual Fee
$0
4
Card Overall Rating
Bad/No Credit
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0%
Annual Fee
N/A
My GM Rewards Card™ Application
Compare
on Goldman Sachs' secure website
4
Card Overall Rating
Excellent/Good/660+ Credit
  • Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
  • Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
  • Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
  • Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
  • Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 19.99% to 29.99%
  • 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 Apply. Subject to credit approval
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% to 29.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
Annual Fee
None
Net First Platinum Application
Compare now (16) »
4
Card Overall Rating
Damaged credit to Fair credit
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
  • *See Card for Details
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See website for Details*

This offer is not available in Indiana, Vermont, Wisconsin.

4
Card Overall Rating
Any Credit
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now Pay Later
  • Low monthly payments.
  • 0% Financing on brand name products exclusively at our online store.
  • Rewards Every Month!

This offer is not available in Indiana, Vermont, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0%
Annual Fee
See terms

Introductory 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% intro 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, an 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 and American Express 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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APR or Annual Percentage Rate is the yearly interest rate on your credit card. There are two types of 0 percent APR offers. The first type is 0 percent APR on purchases credit card. This means you won't be charged interest on your purchases for a...
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With this high credit score± and you may qualify for a credit card with low interest rate. We cannot tell you how low your interest rate will be because each card has its own terms and some cards come with a range of APRs. We would recommend you...
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