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10 Great Cards With a 0% Intro APR and a Welcome Bonus of October 2026

October, 2026

A 0% intro APR and a welcome bonus can work well together. A big planned purchase can help you meet the spending requirement, and the intro period gives you time to pay it off.

Read MoreShow Less

How to pair a welcome bonus with a 0% intro APR

Time a planned purchase. A purchase you were going to make anyway can count toward the bonus requirement.

Pay it off before the intro period ends. The bonus is worth less than the interest on a balance left over.

Read the bonus terms. Spending requirements and deadlines vary by card.

  • Our pick for: 0% intro APR + rotating bonus categories

    Chase Freedom Flex® card image

    Chase Freedom Flex®

    Purchase intro APR
    0% intro APR on purchases for 15 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 15 months
    Regular APR
    18.49%-27.99% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-5%
    Cashback
    Intro offer
    $250
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    5%
    Cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
    5%
    Cash back on travel purchased through Chase Travel℠.
    1%
    Cash back on all other purchases.
    Card details
    • Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • New Benefit! Earn rewards worldwide with no foreign transaction fees
    • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC
    • View Rates & Fees
    NerdWallet's take

    The Chase Freedom Flex® rewards people who like to track categories, with high cash back in a rotating lineup. A planned purchase can earn the bonus, and the intro period gives you time to pay it off.

    Pros

    • 0% intro APR on purchases for 15 months.

    • Welcome offer: A cash bonus when you meet the spending requirement in the first 3 months.

    • Earns bonus cash back in categories that rotate each quarter (activation required), plus extra on travel booked through Chase, dining and drugstores.

    • No minimum to redeem cash back.

    • Annual fee: $0.

    Cons

    • You have to activate the bonus categories each quarter, and bonus earnings are capped.

    Read full review

  • Our pick for: 0% intro APR + choose-your-category cash back

    Bank of America® Customized Cash Rewards credit card card image

    Bank of America® Customized Cash Rewards credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 15 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    17.74%-27.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-6%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    6%
    Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
    3%
    Cash back in the category of your choice after the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
    2%
    Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
    1%
    Cash back on all other purchases.
    Card details
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
    • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
    • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
    • No annual fee and cash rewards don’t expire as long as your account remains open.
    • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The Bank of America® Customized Cash Rewards credit card lets you pick where you earn the most cash back. You get time to pay plus a reward for new cardholders.

    Pros

    • 0% intro APR on Purchases for 15 billing cycles.

    • Welcome offer: A cash rewards bonus when you meet the spending requirement in the first 90 days.

    • Earns bonus cash back in a category you choose, plus at grocery stores and wholesale clubs, up to a quarterly cap.

    • Bank of America Rewards members can earn more cash back.

    • Annual fee: $0.

    Cons

    • Bonus cash back is capped each quarter.

    Read full review

  • Our pick for: 0% intro APR + flat-rate cash back

    Bank of America® Unlimited Cash Rewards credit card card image

    Bank of America® Unlimited Cash Rewards credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 15 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    17.74%-27.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1.5%
    Cashback
    Intro offer
    $250
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    1.5%
    Cash back on all purchases.
    Card details
    • Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
    • Earn unlimited 1.5% cash back on all purchases.
    • No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
    • No annual fee.
    • Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The Bank of America® Unlimited Cash Rewards credit card keeps rewards simple, with the same cash back rate on everything. It's a good fit if you have a big purchase coming up.

    Pros

    • 0% intro APR on Purchases for 15 billing cycles.

    • Welcome offer: A cash rewards bonus when you meet the spending requirement in the first 90 days.

    • Earns unlimited flat-rate cash back on every purchase, and rewards don't expire while your account is open.

    • Bank of America Rewards members can earn more cash back.

    • Annual fee: $0.

    Cons

    • No bonus categories.

    • The highest rewards rates require Bank of America Rewards status.

    Read full review

  • Our pick for: 0% intro APR + everyday cash back

    Blue Cash Everyday® Card from American Express card image

    Blue Cash Everyday® Card from American Express

    Purchase intro APR
    0% intro APR on purchases for 15 months from the date of account opening
    Balance transfer intro APR
    0% intro APR on balance transfers for 15 months from the date of account opening
    APR
    19.74%-28.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-3%
    Cashback
    Intro offer
    As High as $200 cash back. Find Out Your Offer.
    Recommended credit
    Good - Excellent
    Rewards breakdown
    3%
    Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
    3%
    Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).
    3%
    Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).
    1%
    Cash Back on other purchases.
    Card details
    • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
    • No Annual Fee.
    • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
    • Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    • Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
    • Terms Apply.
    • View Rates & Fees
    NerdWallet's take

    The Blue Cash Everyday® Card from American Express pays extra where many households spend most: groceries, online shopping and gas. A planned purchase can earn the bonus, and the intro period gives you time to pay it off.

    Pros

    • 0% intro APR on purchases for 15 months from the date of account opening.

    • Welcome offer: A cash back welcome offer when you meet the spending requirement; offers vary and you may not be eligible.

    • Earns bonus cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, up to an annual cap.

    • A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.

    • Annual fee: $0.

    Cons

    • American Express isn't accepted at as many merchants as Visa or Mastercard.

    • Bonus cash back is capped each year.

    Read full review

  • Our pick for: 0% intro APR + all-around cash back

    Chase Freedom Unlimited® card image

    Chase Freedom Unlimited®

    Purchase intro APR
    0% intro APR on purchases for 15 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 15 months
    Regular APR
    18.49%-27.99% Variable APR
    Annual fee
    $0
    Rewards rate
    1.5%-5%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    5%
    Cash back on travel purchased through Chase Travel℠.
    3%
    Cash back on drugstore purchases.
    3%
    Cash back on dining at restaurants, including takeout and eligible delivery services.
    1.5%
    Cash back on all other purchases.
    Card details
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
    • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC
    • View Rates & Fees
    NerdWallet's take

    The Chase Freedom Unlimited® is an easy everyday card: no categories to track, with a few bonus areas. You get time to pay plus a reward for new cardholders.

    Pros

    • 0% intro APR on purchases for 15 months.

    • Welcome offer: A cash bonus when you meet the spending requirement in the first 3 months.

    • Earns cash back on every purchase, with more on travel booked through Chase, dining and drugstores.

    • No minimum to redeem cash back.

    • Annual fee: $0.

    Cons

    • Foreign transaction fee: 3% of each transaction in U.S. dollars

    Read full review

  • Our pick for: 0% intro APR + bonus points on everyday travel and dining

    Wells Fargo Autograph® Card card image

    Wells Fargo Autograph® Card

    Purchase intro APR
    0% intro APR for 12 months from account opening on purchases
    Balance transfer intro APR
    N/A
    Regular APR
    18.74%, 24.74%, or 28.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1x-3x
    Points
    Intro offer
    20,000
    points
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    3x
    Unlimited Points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
    1x
    Unlimited Points on other purchases.
    Card details
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
    • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
    • $0 annual fee.
    • 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
    • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
    • View Rates & Fees
    NerdWallet's take

    The Wells Fargo Autograph® Card earns bonus points across many everyday categories without an annual fee. It's a good fit if you have a big purchase coming up.

    Pros

    • 0% intro APR for 12 months from account opening on purchases.

    • Welcome offer: Bonus points when you meet the spending requirement in the first 3 months.

    • Earns bonus points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

    • Cell phone protection against damage or theft, subject to a deductible.

    • Annual fee: $0.

    Cons

    • No intro APR offer on balance transfers.

    Read full review

  • Our pick for: 0% intro APR + quarterly cash back + first-year match

    Discover it® Cash Back card image

    Discover it® Cash Back

    Purchase intro APR
    0% intro APR on purchases for 15 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 15 months
    Regular APR
    18.74%-28.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-5%
    Cashback
    Intro offer
    Cashback Match™ + $200 Statement Credit
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    5%
    Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
    1%
    Cash back on all other purchases.
    Card details
    • Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% to 28.74% Standard Variable Purchase APR applies, based on credit worthiness
    • INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
    • UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
    • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
    • Redeem cash back for any amount. No annual fee
    • Terms and conditions apply
    • View Rates & Fees
    NerdWallet's take

    The Discover it® Cash Back can effectively double your first year of cash back with its automatic match. A planned purchase can earn the bonus, and the intro period gives you time to pay it off.

    Pros

    • 0% intro APR on purchases for 15 months.

    • Welcome offer: Discover automatically matches all the cash back you earn in your first year.

    • Earns bonus cash back in categories that change each quarter (activation required), plus cash back on everything else.

    • Redeem cash back for any amount.

    • Annual fee: $0.

    Cons

    • Bonus categories are capped each quarter.

    • Discover isn't accepted as widely outside the U.S.

    Read full review

  • Our pick for: 0% intro APR + flexible travel points

    Bank of America® Travel Rewards credit card card image

    Bank of America® Travel Rewards credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 15 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    17.74%-27.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1.5x-3x
    Points
    Intro offer
    25,000
    points
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    3x
    Points per $1 spent on travel purchases booked through BofA Travel.
    1.5x
    Points per $1 spent on everyday purchases.
    Card details
    • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
    • Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
    • Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
    • Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
    • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
    • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The Bank of America® Travel Rewards credit card is a simple travel card with no annual fee and flexible redemptions. You get time to pay plus a reward for new cardholders.

    Pros

    • 0% intro APR on Purchases for 15 billing cycles.

    • Welcome offer: Bonus points when you meet the spending requirement in the first 90 days, redeemable as a statement credit toward travel.

    • Earns unlimited points on everyday purchases, plus more on travel booked through Bank of America Travel; points don't expire while your account is open.

    • Redeem points as a statement credit for travel and dining purchases, with no blackout dates.

    • Annual fee: $0.

    Cons

    • No bonus categories outside Bank of America Travel.

    • The highest rewards rates require Bank of America Rewards status.

    Read full review

  • Our pick for: 0% intro APR + dining, entertainment and grocery cash back

    Capital One Savor Cash Rewards Credit Card card image

    Capital One Savor Cash Rewards Credit Card

    Purchase intro APR
    0% intro on purchases for 12 months
    Balance transfer intro APR
    0% intro on balance transfers for 12 months; balance transfer fee applies
    Regular APR
    18.74%-28.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-8%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    8%
    Cash back on Capital One Entertainment purchases.
    5%
    Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
    3%
    Cash back on dining.
    3%
    Cash back on entertainment.
    3%
    Cash back on popular streaming services.
    3%
    Cash back at grocery stores (excluding superstores like Walmart® and Target®).
    1%
    Cash back on all other purchases.
    Card details
    • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
    • $0 annual fee and no foreign transaction fees
    • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
    • Earn 8% cash back on Capital One Entertainment purchases
    • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
    • Top rated mobile app
    • View Rates & Fees
    NerdWallet's take

    The Capital One Savor Cash Rewards Credit Card pays extra on going out, groceries and streaming with no categories to activate. It's a good fit if you have a big purchase coming up.

    Pros

    • 0% intro on purchases for 12 months.

    • Welcome offer: A one-time cash bonus when you meet the spending requirement in the first 3 months.

    • Earns unlimited bonus cash back at grocery stores (excluding superstores), on dining, entertainment and popular streaming services, plus on everything else.

    • No foreign transaction fees, and cash back doesn't expire for the life of the account.

    • Annual fee: $0.

    Cons

    • Requires good to excellent credit.

    Read full review

  • Our pick for: 0% intro APR + high grocery cash back

    Blue Cash Preferred® Card from American Express card image

    Blue Cash Preferred® Card from American Express

    Purchase intro APR
    0% intro APR on purchases for 12 months from the date of account opening
    Balance transfer intro APR
    0% intro APR on balance transfers for 12 months from the date of account opening
    APR
    19.74%-28.74% Variable APR
    Annual fee
    $0 intro annual fee for the first year, then $95
    Rewards rate
    1%-6%
    Cashback
    Intro offer
    As High as $300 cash back. Find Out Your Offer.
    Recommended credit
    Good - Excellent
    Rewards breakdown
    6%
    Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    6%
    Cash Back on select U.S. streaming subscriptions.
    3%
    Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    1%
    Cash Back on other purchases.
    Card details
    • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
    • $0 intro annual fee for the first year, then $95.
    • Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
    • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
    • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
    • Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
    • Terms Apply.
    • View Rates & Fees
    NerdWallet's take

    The Blue Cash Preferred® Card from American Express is built for big grocery and streaming budgets, which can more than cover its annual fee. A planned purchase can earn the bonus, and the intro period gives you time to pay it off.

    Pros

    • 0% intro APR on purchases for 12 months from the date of account opening.

    • Welcome offer: A cash back welcome offer when you meet the spending requirement; offers vary and you may not be eligible.

    • Earns elevated cash back at U.S. supermarkets (up to an annual cap) and on select U.S. streaming subscriptions, plus at U.S. gas stations and on transit.

    • A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.

    Cons

    • Has an annual fee after the first year: $0 intro annual fee for the first year, then $95

    • American Express isn't accepted at as many merchants as Visa or Mastercard.

    Read full review

Compare the Best 0 Intro Apr Bonus Credit Cards

Credit card
NerdWallet rating
Annual feeIntro APRRegular APRLearn more
Chase Freedom Flex® ImageChase Freedom Flex®
5.0/5
Best for 0% intro APR + rotating bonus categories

$0

0% intro APR on Purchases and Balance Transfers for 15 months

18.49%-27.99% Variable APR

Bank of America® Customized Cash Rewards credit card ImageBank of America® Customized Cash Rewards credit card
Apply Nowon Bank of America's website
on Bank of America's website
4.2/5
Best for 0% intro APR + choose-your-category cash back

$0

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days

17.74%-27.74% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
Bank of America® Unlimited Cash Rewards credit card ImageBank of America® Unlimited Cash Rewards credit card
Apply Nowon Bank of America's website
on Bank of America's website
4.6/5
Best for 0% intro APR + flat-rate cash back

$0

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days

17.74%-27.74% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
Blue Cash Everyday® Card from American Express ImageBlue Cash Everyday® Card from American Express
4.9/5
Best for 0% intro APR + everyday cash back

$0

0% intro APR for 15 months on purchases and balance transfers

19.74%-28.74% Variable APR

Chase Freedom Unlimited® ImageChase Freedom Unlimited®
5.0/5
Best for 0% intro APR + all-around cash back

$0

0% intro APR on Purchases and Balance Transfers for 15 months

18.49%-27.99% Variable APR

Wells Fargo Autograph® Card ImageWells Fargo Autograph® Card
4.5/5
Best for 0% intro APR + bonus points on everyday travel and dining

$0

0% intro APR for 12 months from account opening on purchases

18.74%, 24.74%, or 28.74% Variable APR

Discover it® Cash Back ImageDiscover it® Cash Back
4.9/5
Best for 0% intro APR + quarterly cash back + first-year match

$0

0% intro APR for 15 months on purchases and balance transfers

18.74%-28.74% Variable APR

Bank of America® Travel Rewards credit card ImageBank of America® Travel Rewards credit card
Apply Nowon Bank of America's website
on Bank of America's website
3.8/5
Best for 0% intro APR + flexible travel points

$0

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days

17.74%-27.74% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
Capital One Savor Cash Rewards Credit Card ImageCapital One Savor Cash Rewards Credit Card
5.0/5
Best for 0% intro APR + dining, entertainment and grocery cash back

$0

0% intro APR for 12 months on purchases and balance transfers; balance transfer fee applies

18.74%-28.74% Variable APR

Blue Cash Preferred® Card from American Express ImageBlue Cash Preferred® Card from American Express
5.0/5
Best for 0% intro APR + high grocery cash back

$0 intro annual fee for the first year, then $95

0% intro APR for 12 months on purchases and balance transfers

19.74%-28.74% Variable APR

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