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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. You might also want to check out NerdWallet's Best 0% and Low Interest Credit Cards.

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BankAmericard® Credit Card

on Bank of America's website, or call (800) 322-7707

on Bank of America's website, or call (800) 322-7707

Annual Fee

$0

Regular APR

14.49% - 24.49% Variable APR

Intro APR

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

Balance Transfer Fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Pros

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

Cons

  • No rewards
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) 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
HSBC Gold Mastercard

on HSBC's website

Rates & Fees
Annual Fee

$0

Regular APR

12.49% - 20.49%, Variable

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

Balance Transfer Fee

4%

Pros

  • No annual fee
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.49% - 20.49% will apply
  • No foreign transaction fee

Cons

  • No rewards
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49% - 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees
US Bank Visa Platinum Credit Card

on US Bank's website

Rates & Fees
Annual Fee

$0

Regular APR

13.99% - 24.99% Variable APR

Intro APR

0%* on purchases and balance transfers for 18 billing cycles*

Balance Transfer Fee

3%

Pros

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

Cons

  • No rewards
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 13.99% - 24.99%
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees
American Express Cash Magnet℠ Card

on American Express's website

Rates & Fees
Annual Fee

$0

Regular APR

14.49% - 25.49% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Pros

  • No annual fee
  • Bonus offer for new cardholders
  • Intro APR period on Purchases and Balance Transfers

Cons

  • American Express isn't accepted at as many merchants as Visa or Mastercard
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
  • View Rates and Fees
Bank of America® Cash Rewards Credit Card

on Bank of America's website, or call (877) 754-6706

on Bank of America's website, or call (877) 754-6706

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days

Balance Transfer Fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Pros

  • No annual fee
  • Cash bonus offer
  • Cash rewards

Cons

  • If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Bank of Oklahoma Platinum Visa® Credit Card
Annual Fee

$0

Regular APR

14.24% - 23.24% Variable APR

Intro APR

Purchase: 0% for 15 mos

Balance Transfer Fee

3%

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 15 billing cycles on purchases and balance transfers.
American Express Blue Cash Everyday Credit Card

on American Express's website, or call (866) 512-6673

Rates & Fees
Annual Fee

$0

Regular APR

14.49% - 25.49% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Pros

  • Bonus rewards at U.S. supermarkets and U.S. gas stations
  • No annual fee
  • Bonus offer for new cardholders
  • Intro APR period on Purchases and Balance Transfers

Cons

  • American Express isn't accepted at as many merchants as Visa or Mastercard
  • Requires good/excellent credit
  • $25 minimum redemption
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • View Rates and Fees
Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

15.74% - 25.74% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Balance Transfer Fee

3%

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • See if you qualify for a better offer with Capital One:

Chase Freedom Unlimited Credit Card

on Chase's website

on Chase's website

Annual Fee

$0

Regular APR

16.49% - 25.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Pros

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

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 and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Chase Freedom Credit Card

on Chase's website

on Chase's website

Annual Fee

$0

Regular APR

16.49% - 25.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Pros

  • No annual fee
  • 5% rewards on rotating categories
  • Access to Chase’s Ultimate Rewards site to earn more cash back

Cons

  • If you value simplicity, a flat rate cash back card may be better
  • A foreign transaction fee
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠