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.

Excellent, Good Credit
Discover it® Miles
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Key Feature: Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (14 months)10.99% (14 months)11.74% – 23.74% Variable$03%See terms
Card Details:
  • Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your rewards in any amount for cash or a travel credit.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Our Expert Opinion
  • Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.

See card details
Excellent, Good Credit
Discover it® - Cashback Match™
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Key Feature: You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (14 months)0% (14 months)11.74% – 23.74% Variable$03%See terms
Card Details:
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile 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™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Capital One® Quicksilver® Cash Rewards Credit Card
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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 FeeFee on Bal. Tr.Application Processing Fee
0% intro on purchases for 9 months0% intro on balance transfers for 9 months13.74% - 23.74% (Variable)$03%See terms
Card Details:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% 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 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

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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 14.24% - 24.24% 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.Application Processing Fee
0%* intro on purchases (21 months on Purchases*)0%* (21 months on Balance Transfers*)14.24% - 24.24% (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 14.24% - 24.24% 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® VentureOne® Rewards Credit Card
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Key Feature: Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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.Application Processing Fee
0% intro on purchases for 12 monthsN/A12.74% - 22.74% (Variable)$0$0See terms
Card Details:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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 for 12 months; 12.74%-22.74% 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 3 months from account opening, 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
Excellent, Good Credit
Discover it® chrome
Compare
Key Feature: Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (14 months)0% (14 months)11.74% – 23.74% Variable$03%See terms
Card Details:
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 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.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your 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 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.Application Processing Fee
0%* intro on purchases (21 months on Purchases*)0%* (21 months on Balance Transfers*)13.24% - 23.24%* (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 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.
  • 24/7 access to Citi® Concierge for help in booking hotels, 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
Barclaycard Ring™ Mastercard®
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Key Feature: No balance transfer fees
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (15 months)0% (15 months (on balance transfers made within 45 days of account opening))13.74% Variable$0NoneSee terms
Card Details:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Our Expert Opinion
  • 0% intro APR on purchases and balance transfers.
  • No balance transfer fees.
  • Free online access to FICO® Credit Score.

  • 3% cash advance fee.
See card details
Excellent, Good Credit
NHL® Discover it® Card
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Key Feature: You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (14 months)0% (14 months)11.74% – 23.74% Variable$03%See terms
Card Details:
  • Choose your favorite team & show your pride - all 30 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Our Expert Opinion
  • Choose your favorite team & show your pride - all 30 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.

See card details
Citi ThankYou® Preferred Card
Compare
Key Feature: Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0%* intro on purchases (12 months on Purchases)0%* (12 months on Balance Transfers)14.24% - 24.24%* (Variable)$0*3%See terms
Card Details:
  • Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
  • 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.24%-24.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit on the amount of points you can earn with this card
  • 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
Barclaycard CashForward™ World Mastercard®
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Key Feature: Get a $200 cash rewards bonus after you spend $1,000 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.Application Processing Fee
0% (15 months)0% (15 months (on balance transfers made within 45 days of account opening))15.74%, 20.74% or 25.74% Variable$03%See terms
Card Details:
  • Get a $200 cash rewards bonus after you spend $1,000 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 a U.S. checking or savings 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
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Our Expert Opinion
  • Cash back rewards.
  • 0% intro APR on purchases and balance transfers.
  • No annual fee.

  • Balance transfer fee applies to each balance transfer.
  • Has a foreign transaction fee.
See card details

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 1 and 1 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

latest news:

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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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0% APR Credit Cards on Purchases
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Purchases Cards Video

Save on Interest Charges with Low APR Credit Cards

June 18, 2015

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