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BEST 0% INTRODUCTORY AND LOW INTEREST CREDIT CARDS OF 2026
June 2026: BEST CREDIT CARD WITH 0% APR ON PURCHASES
- 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.
More Credit Cards with 0% Intro APR on Purchases
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
- NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
- Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
- Switch spend categories up to four times a year.
- No annual fee
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
- To apply for a Chime Card™, Chime® Checking Account is required to apply.
- Build your credit history.398
- Earn cash back (2% cash back399 on category of choice, e.g., gas and groceries) with Chime Plus™* status.
- No annual fees or interest. No credit check to apply.400
- Fee-free (in-network) ATM network404 and cash deposits405.
- Credit for everyone - Regardless of your credit history!
- See an average FICO increase of 81 pts in 6 months
- Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
- No minimum security deposit required.
- Reports monthly to all three major credit bureaus.
- View Product Disclosures
- Help build your credit450
- Spend your rewards anywhere with a Super.com Card451
- Earn unlimited cashback on Super.com Card purchases451
- Earn 1% cashback on all purchases451
- 10% cashback on hotels booked with Super.com452
- Plus additional savings on gas, prescriptions and more - all with no credit check452
- Join Super+ for $15/Month452
- Accepts immigrants and internationals without an SSN
- Build credit faster
- No credit check or hard inquiry
- Earn up to 15% cashback at selected merchants
- Get up to 4.00% APY396
- 0% APR
- You're pre-approved.397 Apply now with no risk to your credit score
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Merchandise Credit Line
- Exclusive Member Benefits
- Start Shopping Right Away!
- Bad Credit, No Credit? No Problem!
- No Employment or Credit Check
- Fast and Easy Application
- $750 Merchandise Credit Line
- No Sign Up Fees
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- *See Card for Details
- 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.
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit - OK
- *See site for details
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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