0% APR on Purchases for Limited Credit

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Credit Card Applications » 0% APR on Purchases for Limited Credit

Credit Cards with 0% APR on Purchases for Limited Credit

It is not a secret that most people apply for a credit card to boost their shopping power and to get some credit improvement at the same time. So why not to apply for a credit card with 0% APR on purchases even though you have limited credit history?

Today people with less than perfect credit can find the credit cards with 0% interest introductory period on purchases. That means you won't be charged any interest during the introductory period.

Such cards are good when are planning to make a big purchase. You can pay the balance off during the promotional period without paying the interest. Whether your credit is fair or you have limited credit, a 0% APR credit card can be a good starting point.

Sort Cards by:RatingIntro APR on Purch.Regular APRAnnual FeeApplication Processing FeeInstant Response
Capital One® QuicksilverOne® Cash Rewards Credit Card
Compare
Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
0% intro on purchases for 9 months0% intro on balance transfers for 9 months23.24% (Variable)$39See terms$0
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • 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
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

See card details
National Credit Direct
Compare
Key Feature: Apply Now and Get a $500 Credit Line or More Today
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
n/an/a0.0%$49$0See Terms
Card Details:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Our Expert Opinion
  • 0% APR.
  • Get reward points for every dollar you spend.
  • Reports to Major Credit Bureau.
  • Good for bad credit.

  • For shopping at National Credit Direct.
  • $49 annual fee.
See card details
Horizon Gold Credit Card
Compare
Key Feature: Guaranteed $500 Unsecured Credit Limit
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
n/an/a0.00%See TermsSee TermsSee Terms
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Our Expert Opinion
  • Reports to a major credit bureau.
  • No credit check.
  • Unsecured line of credit.
  • Good for bad credit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details
Bad Credit
Next Millennium
Compare
Key Feature: Guaranteed Approval
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
n/an/a0%See Terms$0See Terms
Card Details:
  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!
  • We won´t check your credit and you will not be denied for bad credit. Buy Now...Pay Later!
Our Expert Opinion
  • High credit limit for people with bad credit.
  • No interest credit card.
  • Access to membership benefits.

  • Can be used exclusively at www.myuniqueoutlet.com.
See card details
The LUXE Signature Merchandise Card
Compare
Key Feature: You are guaranteed approval!
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
n/an/a0.00%See TermsSee TermsSee Terms
Card Details:
  • You are guaranteed approval!*
  • Get the Power to Purchase! Designed specifically for people with bad or no credit, Luxe Signature gives you the freedom to purchase the things you need!
  • 0% Interest for Members! Pay 0.00% interest on any/all purchases for the life of your Luxe Signature Club membership.
  • Shop with Confidence! Our exclusive online store features products from all the major name brands you know and trust!
  • The Power to Purchase! With up to a $1,500 credit limit you have the power to purchase almost any item we carry in our online store.
  • Low Monthly Payments! Only $20.00 per month and no costly enrollment fee.
Our Expert Opinion
  • High limit credit card for people with bad credit.
  • No interest fee on purchases.
  • The card is for exclusive use online at huttonchase.com.

  • Monthly maintenance fee applies.
See card details

6 In Accordance with Terms and Conditions.

Understanding 0% APR on Purchases

Today we see a lot of offers with introductory promotional periods on balance transfers and on purchases. So what is it, a zero intro APR on purchases?

The credit card issuers offer you a certain period of time during which you won't be charged any interest on all your purchases you make with the credit card. This period usually lasts from 6 to 12 months, but some issuers may offer up to 18 months.

You should manage to pay the balance off by the end of the introductory period. If you fail to do it, the issuer will start charging the interest and it will apply to full price of the purchase retroactively.

Also, do not forget to make the due minimum payments every month otherwise your introductory rate will be cancelled and a penalty interest rate will apply. The issuer can charge a penalty fee as well in addition to the increased APR.

So make some calculations before you make the purchase to be sure you will pay it off during the offered 0% interest introductory period.

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