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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.

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Whether you want to pay less interest or earn more rewards, the right card’s out there. Just answer a few questions and we’ll narrow the search for you.
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Bank of Oklahoma Platinum Visa® Credit Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
  • Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
Chesapeake Bank of Maryland Platinum Visa® Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
  • After that, a variable APR, currently 11.99% to 20.99%.
Community Banks of Colorado Platinume Visa® Credit Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
  • Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
Farmers National Bank Platinum Visa® Credit Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
  • After that, a variable APR, currently 11.99% to 20.99%.
Suncrest Bank Platinum Visa® Credit Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • 0% introductory APR for the first 20 billing cycles.

Cons

  • No rewards
  • With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
  • No Annual Fee
The Bank of Missouri Platinum Visa® Credit Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • Save on interest with a great low introductory rate for an extended time.
  • Pay down other credit card balances faster with this non-rewards card.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
Washington Federal Visa® Platinum Card
Annual Fee

$0

Intro APR

Purchase: 0% for 20 mos

Regular APR

11.99% - 20.99% Variable APR

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
  • With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
  • Introductory 0.00% APR for the first 20 billing cycles on purchases and balance transfers.
  • After that, a variable APR, currently 11.99% to 20.99%.
Chase Freedom Unlimited Credit Card

on Chase's website

on Chase's website

Annual Fee

$0

Intro APR

0% on Purchases for 15 months

Regular APR

14.99% - 23.74% Variable APR

Recommended Credit Score

Pros

  • High rewards rate and no minimum redemption
  • No annual fee
  • Intro APR period on Purchases

Cons

  • Has foreign transaction fee
  • No bonus rewards categories
  • Requires good/excellent credit
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • See if you qualify for a better offer with Chase:

Discover it® Cash Back

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Intro APR

0% intro APR on Purchases and Balance Transfers for 14 months

Regular APR

11.99% - 22.99% Variable APR

Recommended Credit Score

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better
  • 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. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
Discover it® Miles

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Intro APR

0% intro APR on Purchases for 14 months and 10.99% intro APR on Balance Transfers for 14 months

Regular APR

11.99% - 22.99% Variable APR

Recommended Credit Score

Pros

  • Rewards can be redeemed for travel or cash back at equal value
  • No annual fee or foreign transaction fee
  • Sign-up bonus
  • Flexible redemption options

Cons

  • No luxury perks
  • Other cards offer higher rewards rates
  • Discover cards not widely accepted outside the U.S.
  • Requires good/excellent credit
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Redeem for Travel or Cash. Easily redeem Miles as a statement credit for travel purchases or get cash.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • View Rates and Fees