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
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 purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 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
  • No annual fee
  • No changing categories and your rewards do not expire
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-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%-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
  • No limit to the cash back you can earn
  • Your cash back doesn’t expire
  • 0% intro APR on purchases until May 2015
  • 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 May 2015* N/A* 22.9% Variable* $39* Fair Credit *
Intro - Purchases 0%-until May 2015*
Intro - Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit *
U.S. Bank Visa® Platinum Card
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 billing period* 0%-15 billing period* 9.99%-23.99% (Variable)* $0* Excellent Credit *
Intro - Purchases 0%-15 billing period*
Intro - Balance Transfer 0%-15 billing period*
Regular APR 9.99%-23.99% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit *
Citi® Dividend Platinum Select® Visa® Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% Variable* $0* Excellent Credit *
Intro - Purchases 0%-12 mths*
Intro - Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
BankAmericard Travel Rewards® Credit Card
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee
  • 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
  • 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
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • No foreign transaction fee
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 *
Discover it®
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-14 mths* 0%-14 mths* 10.99%-22.99% Variable* $0* Excellent Credit *
Intro - Purchases 0%-14 mths*
Intro - Balance Transfer 0%-14 mths*
Regular APR 10.99%-22.99% Variable*
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 June 2015, 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 June 2015* N/A* 13.9%-24.9% Variable* $0* Excellent Credit *
Intro - Purchases 0%-until June 2015*
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
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on all purchases until May 2015
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred
  • No annual fee
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until May 2015* 0%-until May 2015* 12.9%-22.9% Variable* $0* Excellent Credit *
Intro - Purchases 0%-until May 2015*
Intro - Balance Transfer 0%-until May 2015*
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 *
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on 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%-12 mths* 0%-12 mths* 12.99%-22.99% Variable* $0* Excellent Credit *
Intro - Purchases 0%-12 mths*
Intro - Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *

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