0% APR on Purchases

Credit cards featuring an introductory 0% APR on purchases allow the cardholder to carry forward a balance from month-to-month without incurring interest charges. Many cards offer this interest-free period for up to 12 months of card membership. See below for today's top credit card offers featuring a 0% intro APR on purchases, along with links to each card's secure online application.

Advertiser Disclosure
Capital One® VentureOne® Rewards Credit Card
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until April 2016; 11.9%-21.9% variable APR after that
  • Travel when you want - no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0% until April 2016* N/A 11.9%-21.9%* Variable $0* Excellent Credit *
Intro - Purchases 0% until April 2016*
Intro - Balance Transfer N/A*
Regular APR 11.9%-21.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%*-7 mths N/A 13.99%-23.99%* Variable $0* Good Credit *
Intro - Purchases 0%-7 mths*
Intro - Balance Transfer N/A*
Regular APR 13.99%-23.99% Variable*
Annual Fee $0*
Credit Needed Good Credit *
BankAmericard Cash Rewards™ Credit Card
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee†
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0% for 12 Billing Cycles* 0%-12 Billing Cycles for qualifying transfers* 12.99%-22.99% Variable for purchases and balance transfers* $0* Excellent Credit *
Intro - Purchases 0% for 12 Billing Cycles*
Intro - Balance Transfer 0%-12 Billing Cycles for qualifying transfers*
Regular APR 12.99%-22.99% Variable for purchases and balance transfers*
Annual Fee $0*
Credit Needed Excellent Credit *
Capital One® QuicksilverOne® Cash Rewards Credit Card
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time - cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%* until January 2016 0%* until January 2016 22.9%* Variable $39* Fair Credit *
Intro - Purchases 0% until January 2016*
Intro - Balance Transfer 0% until January 2016*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit *
BankAmericard Travel Rewards® Credit Card
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees†
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
  • No limit to the total number of points you can earn and points don't expire
  • Bank of America customers: Earn an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 Billing Cycles* N/A 14.99%-22.99% Variable for purchases and balance transfers* $0* Excellent Credit *
Intro - Purchases 0%-12 Billing Cycles*
Intro - Balance Transfer N/A*
Regular APR 14.99%-22.99% Variable for purchases and balance transfers*
Annual Fee $0*
Credit Needed Excellent Credit *
PlayStation® Card from Capital One®
  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0% until February 2016* N/A 13.9%-24.9%* Variable $0* Excellent Credit *
Intro - Purchases 0% until February 2016*
Intro - Balance Transfer N/A*
Regular APR 13.9%-24.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
Capital One® Quicksilver® Cash Rewards Credit Card
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0% until January 2016* 0% until January 2016* 12.9%-22.9%* Variable $0* Excellent Credit *
Intro - Purchases 0% until January 2016*
Intro - Balance Transfer 0% until January 2016*
Regular APR 12.9%-22.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
BankAmericard® Visa® Card
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 Billing Cycles* 0%-15 Billing Cycles for qualifying transfers* 10.99%-20.99% Variable for purchases and balance transfers* $0* Excellent Credit *
Intro - Purchases 0%-15 Billing Cycles*
Intro - Balance Transfer 0%-15 Billing Cycles for qualifying transfers*
Regular APR 10.99%-20.99% Variable for purchases and balance transfers*
Annual Fee $0*
Credit Needed Excellent Credit *
Sony Card from Capital One®
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0% until February 2016* N/A 13.9%-24.9%* Variable $0* Excellent Credit *
Intro - Purchases 0% until February 2016*
Intro - Balance Transfer N/A*
Regular APR 13.9%-24.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *

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