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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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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
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
on HSBC's website
on HSBC's website
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
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
on US Bank's website
on US Bank's website
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
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
on American Express's website
on American Express's website
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
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
Annual Fee
$0
Regular APR
14.49% - 25.49% Variable APR
Intro APR
0% Intro on Purchases and Balance Transfers for 15 months
Balance Transfer Fee
$0
Pros
- Decent rewards rate
- No annual fee
- $0 balance transfer fee for 60 days
Cons
- Foreign transaction fee
Pros
- Decent rewards rate
- No annual fee
- $0 balance transfer fee for 60 days
Cons
- Foreign transaction fee
- Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
- 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
- Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
- $0 Balance Transfer Fee.¤ Balance transfers must be requested within 60 days of account opening.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.49% to 25.49%.
- No Annual Fee.
- Terms Apply.
- View Rates and Fees
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
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
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
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.
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
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
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
on Capital One's website
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
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:
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
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
