Every time.
We believe everyone should be able to make financial decisions with confidence. While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives.
So how do we make money? Our partners compensate us for advertisements that appear on our site or when you click to or take an action on their website. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies.
However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners.
Advertisement
10 Great Cards With a 0% Intro APR for Big Purchases of October 2026
October, 2026Planning a big purchase? A card with a 0% intro APR lets you pay it off over time without interest during the intro period. Compare how long each offer lasts and what the card offers once the intro period ends.
Read MoreShow Less
How to finance a big purchase with a 0% intro APR card
Know your timeline. Divide the purchase by the number of intro months to see your monthly payment.
Pay it off before the intro period ends. Any remaining balance starts accruing interest at the card's ongoing APR.
Compare to other financing. A 0% intro APR card can cost less than store financing or a personal loan if you pay it off in time.
Our pick for: 0% intro APR + no penalty APR
Purchase intro APR0% intro APR on Purchases for 21 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 daysRegular APR15.24%-26.24% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro APR for 21 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 15.24% - 26.24% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- 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 BankAmericard® credit card is built for paying down debt, with a long intro period on both transfers and purchases. It gives you time to pay off a big purchase without interest during the intro period.
Read full reviewPros0% intro APR on Purchases for 21 billing cycles.
No penalty APR, so a late payment won't automatically raise your interest rate.
Annual fee: $0.
ConsNo rewards.
The intro rate on transfers applies only to balances moved in the first 60 days.
Our pick for: 0% intro APR + extra-long transfer offer
Apply Nowon Citibank's applicationon Citibank's applicationPurchase intro APR0% intro APR on purchases for 12 monthsBalance transfer intro APR0% intro APR on balance transfers for 21 monthsRegular APR16.74%-27.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
- View Rates & Fees
NerdWallet's take
The Citi® Diamond Preferred® Card is all about time, with a long intro period on balance transfers. It's a flexible alternative to store financing.
Read full reviewPros0% intro APR on purchases for 12 months.
Free access to your FICO Score online.
Annual fee: $0.
ConsNo rewards.
Our pick for: 0% intro APR + travel cash back
Purchase intro APR0% intro APR on purchases for 21 billing cyclesBalance transfer intro APR0% intro APR on balance transfers for 21 billing cyclesRegular APR17.24%-28.24% Variable APRAnnual fee$0Rewards rate4%CashbackIntro offerN/ARecommended credit score690-850(Good - Excellent)Rewards breakdown
4%Cash back on prepaid air, hotel and car reservations booked directly in the Travel Center.Card details
- 0% intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 17.24% - 28.24%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
- Get a $20 annual statement credit for 11 consecutive months of purchases.
- No annual fee.
- Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Shield™ Visa® Card is mainly about its long intro period, with travel cash back and a few extras on top. Use the intro period for the big purchase, then keep the card for everyday spending.
Read full reviewPros0% intro APR on purchases for 21 billing cycles.
Earns cash back on prepaid air, hotel and car reservations booked through U.S. Bank's travel center.
An annual statement credit after 11 consecutive months of purchases.
Cell phone protection when you pay your monthly phone bill with the card.
Annual fee: $0.
ConsRewards only apply to travel booked through U.S. Bank's travel center.
No welcome bonus.
Our pick for: 0% intro APR + no late fees
Purchase intro APR0% intro APR on purchases for 18 monthsBalance transfer intro APR0% intro APR on balance transfers for 18 monthsRegular APR17.74%-28.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability on unauthorized charges.
- View Rates & Fees
NerdWallet's take
The Citi Simplicity® Card keeps things simple: a long intro period and no late fees. It gives you time to pay off a big purchase without interest during the intro period.
Read full reviewPros0% intro APR on purchases for 18 months.
No late fees and no penalty rate, which adds a safety net while you pay down debt.
Annual fee: $0.
ConsNo rewards or welcome bonus.
Our pick for: 0% intro APR + rotating bonus categories
Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.49%-27.99% Variable APRAnnual fee$0Rewards rate1%-5%CashbackIntro offer$250Recommended credit score690-850(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. It's a flexible alternative to store financing.
Read full reviewPros0% intro APR on purchases for 15 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.
ConsYou have to activate the bonus categories each quarter, and bonus earnings are capped.
Our pick for: 0% intro APR + choose-your-category cash back
Apply Nowon Bank of America's websiteon Bank of America's websitePurchase intro APR0% intro APR on Purchases for 15 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR17.74%-27.74% Variable APRAnnual fee$0Rewards rate1%-6%CashbackIntro offer$200Recommended credit score690-850(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. Use the intro period for the big purchase, then keep the card for everyday spending.
Read full reviewPros0% intro APR on Purchases for 15 billing cycles.
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.
ConsBonus cash back is capped each quarter.
Our pick for: 0% intro APR + flat-rate cash back
Apply Nowon Bank of America's websiteon Bank of America's websitePurchase intro APR0% intro APR on Purchases for 15 billing cyclesBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR17.74%-27.74% Variable APRAnnual fee$0Rewards rate1.5%CashbackIntro offer$250Recommended credit score690-850(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 gives you time to pay off a big purchase without interest during the intro period.
Read full reviewPros0% intro APR on Purchases for 15 billing cycles.
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.
ConsNo bonus categories.
The highest rewards rates require Bank of America Rewards status.
Our pick for: 0% intro APR + long intro period
Purchase intro APR0% intro APR for 21 months from account opening on purchasesBalance transfer intro APR0% intro APR for 21 months from account opening on qualifying balance transfersRegular APR17.74%, 24.24%, or 28.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Reflect® Card gives you a long 0% intro period on both transfers and purchases. It's a flexible alternative to store financing.
Read full reviewPros0% intro APR for 21 months from account opening on purchases.
Cell phone protection against damage or theft, subject to a deductible.
Annual fee: $0.
ConsNo rewards.
Our pick for: 0% intro APR + everyday cash back
Apply Nowon American Express' websiteon American Express' websitePurchase intro APR0% intro APR on purchases for 15 months from the date of account openingBalance transfer intro APR0% intro APR on balance transfers for 15 months from the date of account openingAPR19.74%-28.74% Variable APRAnnual fee$0Rewards rate1%-3%CashbackIntro offerAs High as $200 cash back. Find Out Your Offer.Recommended creditGood - ExcellentRewards 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. Use the intro period for the big purchase, then keep the card for everyday spending.
Read full reviewPros0% intro APR on purchases for 15 months from the date of account opening.
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.
ConsAmerican Express isn't accepted at as many merchants as Visa or Mastercard.
Bonus cash back is capped each year.
Our pick for: 0% intro APR + long intro period
Purchase intro APR0% intro APR on purchases for 21 monthsBalance transfer intro APR0% intro APR on balance transfers for 21 monthsRegular APR18.49%-28.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.49% - 28.49% thereafter
- No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
- Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
- Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
- Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
- Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
- Member FDIC
- View Rates & Fees
NerdWallet's take
The Chase Slate® gives you a long 0% intro period on both purchases and balance transfers. It gives you time to pay off a big purchase without interest during the intro period.
Read full reviewPros0% intro APR on purchases for 21 months.
Purchase protection on eligible new items, plus free credit score access through Chase Credit Journey.
Annual fee: $0.
ConsNo rewards.
Foreign transaction fee: 3% of each transaction in U.S. dollars
Compare the Best 0 Intro Apr Financing Credit Cards
| Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
 BankAmericard® credit cardApply Nowon Bank of America's website on Bank of America's website | Best for 0% intro APR + no penalty APR | $0 | 0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days | 15.24%-26.24% Variable APR | Apply Nowon Bank of America's website on Bank of America's website |
| Citi® Diamond Preferred® Card Apply Nowon Citibank's application on Citibank's application | Best for 0% intro APR + extra-long transfer offer | $0 | 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months | 16.74%-27.49% Variable APR | Apply Nowon Citibank's application on Citibank's application |
 U.S. Bank Shield™ Visa® CardApply Nowon U.S. Bank's website on U.S. Bank's website | Best for 0% intro APR + travel cash back | $0 | 0% intro APR for 21 billing cycles on purchases and balance transfers | 17.24%-28.24% Variable APR | Apply Nowon U.S. Bank's website on U.S. Bank's website |
 Citi Simplicity® CardApply Nowon Citibank's application on Citibank's application | Best for 0% intro APR + no late fees | $0 | 0% intro APR on purchases and balance transfers for 18 months | 17.74%-28.49% Variable APR | Apply Nowon Citibank's application on Citibank's application |
 Chase Freedom Flex®Apply Nowon Chase's website on Chase's website | 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 | Apply Nowon Chase's website on Chase's website |
| Bank of America® Customized Cash Rewards credit card Apply Nowon Bank of America's website on Bank of America's website | 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 Apply Nowon Bank of America's website on Bank of America's website | 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 |
 Wells Fargo Reflect® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for 0% intro APR + long intro period | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 17.74%, 24.24%, or 28.49% Variable APR | Apply Nowon Wells Fargo's website on Wells Fargo's website |
| Blue Cash Everyday® Card from American Express Apply Nowon American Express' website on American Express' website | 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 | Apply Nowon American Express' website on American Express' website |
 Chase Slate®Apply Nowon Chase's website on Chase's website | Best for 0% intro APR + long intro period | $0 | 0% intro APR on Purchases and Balance Transfers for 21 months | 18.49%-28.49% Variable APR | Apply Nowon Chase's website on Chase's website |
