BEST 0% INTRODUCTORY AND LOW INTEREST CREDIT CARDS OF 2022

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.

October 2022: BEST CREDIT CARD WITH 0% INTRO APR ON PURCHASES

Group One Freedom Card Application
Compare now (16) »
4
Card Overall Rating
Bad Credit
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See terms
  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Receive a $750 Credit Line*

More Credit Cards with 0% Intro APR on Purchases

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 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
Annual Fee
$0
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
  • 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
Group One Freedom Card Application
Compare now (16) »
4
Card Overall Rating
  • 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

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...
Click here and browse the low rate credit cards we have on offer. Consider 0% intro APRs on purchases and/or balance transfers and be sure to find the credit card right for you....
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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