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BEST 0% INTRODUCTORY AND LOW INTEREST CREDIT CARDS OF 2023
December 2023: BEST CREDIT CARD WITH 0% INTRO APR ON PURCHASES
*Rates and Terms and Benefit Terms
- Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
- Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. 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
- 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
- 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 to redeem with GM when you spend $5,000 in your first 5 months.
- 5% Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers.
- 3% Earnings on purchases at gas stations, restaurants and office supply stores. 1% Earnings 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; thereafter, variable APR of 19.24% to 29.24%.
- 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.
- 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.
- Enjoy a $1,000 Credit Line!
- No Credit Checks & No Credit Turndowns!
- Buy Now...Pay Later!
- Low Monthly Payments!
- Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
- Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. 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 have a GM vehicle? Use your points toward your GM Financial account, 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 9 months; thereafter, variable APR of 20.24% 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.
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- *See Card for Details
This offer is not available in Indiana, Vermont, Wisconsin.
- 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.
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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