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0% APR Credit Cards on Purchases

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Credit Card Applications » 0% APR on Purchases Credit Cards

Credit Cards with 0% on Purchases

If you want to shop to your heart's content and enjoy 0% interest on all your purchases, we have plenty of cards to choose from. Use your credit card to get amazing deals that lower your purchase price and let you pay it off over several months, interest free!

There is a good bunch of cards that charge no interest on purchases for minimum 6 months, so you can spread your savings over at least a half-year period - meaning you'll pay just pennies per day on new purchases.

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
Capital One® VentureOne® Rewards Credit Card
Compare
Key Feature: 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
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% intro on purchases until May 2017N/A12.24% - 22.24% (Variable)$0$0See terms
Card Details:
  • 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 May 2017; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Our Expert Opinion
  • 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

See card details
Only from Discover - Cashback Match™ with No Annual Fee
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Key Feature: You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (12 months)0% (12 months)11.24% – 23.24% Variable$03%See terms
Card Details:
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Excellent/Good Credit
Citi® Diamond Preferred® Card
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Key Feature: Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (21 months)*0% (21 months)*12.24% - 22.24%* (Variable)$0*3%See terms
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Our Expert Opinion
  • 0% intro APR on purchases and balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Free access to FICO® Scores.

  • Balance transfer fee is 3% of each balance transfer.
See card details
Excellent Credit
Discover it® Miles
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Key Feature: UNLIMITED 1.5x Miles on every dollar you spend on purchases & NO ANNUAL FEE.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (12 months)10.99% (12 months)11.24% – 23.24% Variable$03%See terms
Card Details:
  • UNLIMITED 1.5x Miles on every dollar you spend on purchases & NO ANNUAL FEE.
  • We'll match all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll match it - so you get 40,000 Miles - automatically. Only for new cardmembers.
  • NO blackout dates. Redeem Miles in any amount toward travel purchases on your statement.
  • Get FREE overnight shipping at your request to replace a card at any U.S. street address.
  • Automatic credit of up to $30 a year for your in-flight Wi-Fi fees.
  • Freeze It℠ on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds by mobile app & online.
  • Track recent FICO® Credit Scores for free on monthly statements & online.
  • Get 100% U.S. based customer service.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Our Expert Opinion
  • You could turn 20,000 Miles into 40,000 Miles with Discover Match™
  • UNLIMITED 1.5x Miles on every dollar you spend on purchases & NO ANNUAL FEE.
  • NO blackout dates. Redeem Miles in any amount toward travel purchases on your statement.

See card details
Citi Simplicity® Card – No Late Fees Ever
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Key Feature: 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (21 months)*0% (21 months)*13.24% - 23.24% (variable)$0*3%See terms
Card Details:
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative".
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
See card details
Capital One® Quicksilver® Cash Rewards Credit Card
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Key Feature: One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% intro on purchases until February 20170% intro on balance transfers until February 201713.24% - 23.24% (Variable)$03%See terms
Card Details:
  • One-time $100 cash 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 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 until February 2017; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Our Expert Opinion
  • One-time $100 cash 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 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
Barclaycard CashForward™ World MasterCard®
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Key Feature: Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (12 months)0% (12 months)15.24%, 19.24% or 23.24%* Variable$03%See terms
Card Details:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening. After that a variable APR will apply, currently 15.24%, 19.24% or 23.24% depending on your creditworthiness
  • No annual fee
Our Expert Opinion
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption

See card details
Capital One® Card Finder Tool
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Key Feature: Find card offers you may be eligible for without affecting your credit score
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
See TermsSee TermsVarious RatesSee TermsSee TermsSee terms
Card Details:
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what’s ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
More details
Our Expert Opinion
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds

See card details
Excellent Credit
Discover it® Chrome
Compare
Key Feature: Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (12 months)0% (12 months)11.24% – 23.24% Variable$03%See terms
Card Details:
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed.
  • Unlimited 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed.
  • Unlimited 1% cash back on all your other purchases.

See card details
Citi ThankYou® Preferred Card
Compare
Key Feature: 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (15 months)*0% (15 months)*13.24% - 23.24%* (Variable)$0*3%See terms
Card Details:
  • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% 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*
Our Expert Opinion
  • Global acceptance with Chip Technology.
  • Earn ThankYou points on card purchases.
  • Points do not expire.
  • 0% intro APR on purchases and balance transfers.

  • Balance transfer fee applies.
See card details
Discover it®- 18 Month Balance Transfer Offer
Compare
Key Feature: You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (6 months)0% (18 months)11.24% – 23.24% Variable$03%See terms
Card Details:
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details

* Click apply to read the full Terms and Conditions.

0% on Purchases Credit Cards Basics

A card with a 0% introductory APR lets you make purchases without incurring any finance charges during the promotional period, but these cards do still require a monthly minimum payment. Failure to make a payment will cause you to default on your cardholder agreement, and your introductory APR may turn into a penalty APR - so don't miss a due date!

The best thing about a 0% APR credit card is, obviously, the interest-free introductory period! You'll pay no interest for between 6 and 21 months after your account is opened, depending on your offer, and this may apply to new purchases, balance transfers, or both.

Some issuers top up the 0% APR credit cards with different perks. You can buy online at your credit card's online mall, where they partner with selected merchants to give you an amazing 20% cash back on purchases made directly through them. Also, Visa, MasterCard, American Express, all have purchase protection plans on items bought with their card - so, if your fancy new computer goes on the fritz, your credit card company may refund you even if the store won't.

Our Experts about Credit Cards for Purchases

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    Simplicity     ard from Citi: interest free introductory period with no late fees and no penalty APRSimplicity ard from Citi: interest free introductory period with no late fees and no penalty APR

    The Simplicity card from Citi lives up to its name – a simple card with a few great benefits. A 0% introductory interest offer on balance transfers and purchases, plus no late fees or penalty APR, make this card stand out from the rest. Continue reading

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    Try Our Credit Card Tools:

    Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

    Balance Transfer Calculator: Save on average $1,400!

    Balance Transfer Calculator

    Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

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