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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Citi Simplicity® Card - No Late Fees Ever
on Citibank's secure application
Citi Simplicity® Card - No Late Fees Ever
The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Intro APR
0% on Purchases and Balance Transfers for 18 months
Regular APR
15.74% - 25.74% Variable APR
Annual fee
$0
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
HSBC Gold Mastercard® credit card
on HSBC's secure website
HSBC Gold Mastercard® credit card
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.74%, 16.74% or 20.74% will apply.
No Penalty APR.
Late Fee Waiver.
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.74%, 16.74% or 20.74% will apply.
No Penalty APR.
Late Fee Waiver.
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Regular APR
12.74%, 16.74% or 20.74% variable APR
Annual fee
$0
Balance Transfer Fee
4%
View Rates and Fees
Wells Fargo Platinum Visa® Card
on Wells Fargo's secure website
Wells Fargo Platinum Visa® Card
0% Intro APR for 18 months on purchases and balance transfers, then a 16.90%-26.74% variable APR; balance transfer fees apply
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 Wells Fargo Platinum Visa® Card
Free access to your FICO® Credit Score with Wells Fargo Online®
0% Intro APR for 18 months on purchases and balance transfers, then a 16.90%-26.74% variable APR; balance transfer fees apply
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 Wells Fargo Platinum Visa® Card
Free access to your FICO® Credit Score with Wells Fargo Online®
Intro APR
0% on Purchases and Balance Transfers for 18 months
Regular APR
16.90% - 26.74% Variable APR
Annual fee
$0
Balance Transfer Fee
3% intro for 18 months, then 5% ongoing
American Express Cash Magnet™ Card
on American Express's secure website
American Express Cash Magnet™ Card
Earn up to $250 back. Here’s how: 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.
Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
Unlimited 1.5% Cash Back on your purchases.
Earn up to $250 back. Here’s how: 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.
Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
Unlimited 1.5% Cash Back on your purchases.
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.74% - 25.74% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
View Rates and Fees
BankAmericard® credit card
on Bank of America's secure website
BankAmericard® credit card
0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Intro APR
0% on Purchases for 15 billing cycles and 0% on Balance Transfers for 15 billing cycles for balance transfers made in the first 60 days
Regular APR
14.74% - 24.74% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Blue Cash Everyday® Card from American Express
on American Express's secure website
Blue Cash Everyday® Card from American Express
$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.
$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.
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.74% - 25.74% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
View Rates and Fees
Capital One® SavorOne℠ Cash Rewards Credit Card
on Capital One's secure website
Capital One® SavorOne℠ Cash Rewards Credit Card
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
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
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.74% - 24.74% Variable APR
Annual fee
$0
Balance Transfer Fee
3%
Chase Freedom Unlimited®
on Chase's secure website
Chase Freedom Unlimited®
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Unlimited 1.5% cash back on every purchase - it's automatic
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Unlimited 1.5% cash back on every purchase - it's automatic
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
16.74% - 25.49% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Chase Freedom®
on Chase's secure website
Chase Freedom®
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
16.74% - 25.49% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
The Amex EveryDay® Credit Card from American Express
on American Express's secure website
The Amex EveryDay® Credit Card from American Express
Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.74% - 25.74% Variable APR
Annual fee
$0
Balance Transfer Fee
$0
View Rates and Fees