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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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Showing 14 of 4

on Chase's website

5.0

NerdWallet rating 

on Chase's website

Annual Fee

$0

Intro APR

0% intro APR 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
  • Requires good/excellent credit
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • 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:

NerdWallet rating 

5.0

/5

on Chase's website

Annual Fee

$0

Intro APR

0% intro APR on Purchases for 15 months

Regular APR

14.99% - 23.74% Variable APR

Recommended Credit Score

690-850
(Good - Excellent)

on Citibank's application

4.5

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Intro APR

0% on Purchases and Balance Transfers for 18 months

Regular APR

14.74% - 24.74% Variable APR

Recommended Credit Score

Pros

  • No annual fee
  • 0% for 18 months on transfers if you qualify

Cons

  • No rewards
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
NerdWallet rating 

4.5

/5

on Citibank's application

Annual Fee

$0

Intro APR

0% on Purchases and Balance Transfers for 18 months

Regular APR

14.74% - 24.74% Variable APR

Recommended Credit Score

720-850
(Excellent)

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

Rates & Fees

4.8

NerdWallet rating 

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

Rates & Fees
Annual Fee

$0

Intro APR

0% intro APR for 14 months on purchases and balance transfers

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 in 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.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees
NerdWallet rating 

4.8

/5

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

Annual Fee

$0

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Regular APR

11.99% - 22.99% Variable APR

Recommended Credit Score

690-850
(Good - Excellent)

on Citibank's application

5.0

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

13.99% - 23.99% Variable APR

Recommended Credit Score

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
NerdWallet rating 

5.0

/5

on Citibank's application

Annual Fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

13.99% - 23.99% Variable APR

Recommended Credit Score

720-850
(Excellent)