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Consolidate existing debt or take your time paying off a big purchase with these 0% intro purchase APR credit cards, some of which are from our partners.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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Annual fee
$0
Intro APR
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
Regular APR
15.99%-25.99% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
19.74%-29.74% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Pros
- No annual fee
- Intro APR period
- Bonus categories
- No foreign transaction fees
Cons
- Requires good/excellent credit
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
19.74%-28.49% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- Earn a $200 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!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
- 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.
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
19.74%-28.49% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
- 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, real-time alerts, and more.
Pros
- No annual fee
- Intro APR period
- High rewards rate
- No minimum redemption amount
Cons
- Requires good/excellent credit
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers
Regular APR
19.99%, 24.99%, or 29.99% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus categories
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
18.99%-29.99% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Bonus categories
Cons
- Requires good/excellent credit
- Spending caps on bonus rewards
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
16.99%-27.99% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Annual fee
$0
Intro APR
0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Regular APR
16.99%-27.99% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Annual fee
$0
Intro APR
0% intro APR for 18 months on purchases and balance transfers
Regular APR
19.74%-28.49% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.74% - 28.49% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ 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
Pros
- Intro APR period
- No annual fee
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Has balance transfer fee
- No rewards
Annual fee
$0
Intro APR
0% intro APR on Purchases and Balance Transfers for 15 months
Regular APR
18.99%-28.99% Variable APR
Recommended Credit Score
690-850
(Good - Excellent)
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
Pros
- No annual fee
- 5% bonus categories
- Intro APR Period
Cons
- Low rate outside bonus categories
- Requires good/excellent credit
