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 you 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.

Cards of October 2018
Store Cards
Guaranteed Approval
Instant Response
Bad/Fair Credit
National Credit Direct: National Credit Direct
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.0%
See Terms*
CARD DETAILS:
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Bad Credit
Horizon Card Services: Horizon Gold
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
CARD DETAILS:
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Bad/No Credit
MyUniqueOutlet.com: Next Millennium
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Horizon Card Services: Independence Gold Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See terms
CARD DETAILS:
  • $500 Limit
  • Easy Terms*
  • No Credit Check
  • No Employment Check
  • Reports to Major Bureau
  • Fast Online Application
Bad/No Credit
Unique Card Services: Deluxe Signature
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!
Damaged credit to Fair credit
Horizon Card Services: Net First Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See website for Details*
CARD DETAILS:
  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Any Credit Welcome
MyUniqueOutlet.com: Unique Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0%
See Terms
CARD DETAILS:
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Damage credit to Fair credit
Horizon Card Services: Freedom Gold Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See website for Details*
CARD DETAILS:
  • $500 Unsecured Credit Limit.
  • Guaranteed Approval*.
  • No Credit Check.
  • No Employment Check.
  • Fast online application.
  • Reports to a Major Bureau.
  • Bad Credit - OK.
  • See website for Details*
Bad/Fair Credit
National Credit Direct: National Credit Direct
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.0%
See Terms*
CARD DETAILS:
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Bad Credit
Horizon Card Services: Horizon Gold
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
CARD DETAILS:
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Bad/No Credit
MyUniqueOutlet.com: Next Millennium
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Horizon Card Services: Independence Gold Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See terms
CARD DETAILS:
  • $500 Limit
  • Easy Terms*
  • No Credit Check
  • No Employment Check
  • Reports to Major Bureau
  • Fast Online Application
Bad/No Credit
Unique Card Services: Deluxe Signature
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!
Damaged credit to Fair credit
Horizon Card Services: Net First Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See website for Details*
CARD DETAILS:
  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Any Credit Welcome
MyUniqueOutlet.com: Unique Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0%
See Terms
CARD DETAILS:
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Damage credit to Fair credit
Horizon Card Services: Freedom Gold Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See website for Details*
CARD DETAILS:
  • $500 Unsecured Credit Limit.
  • Guaranteed Approval*.
  • No Credit Check.
  • No Employment Check.
  • Fast online application.
  • Reports to a Major Bureau.
  • Bad Credit - OK.
  • See website for Details*
Bad/No Credit
MyUniqueOutlet.com: Next Millennium
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Bad/No Credit
Unique Card Services: Deluxe Signature
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!
Bad/Fair Credit
National Credit Direct: National Credit Direct
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.0%
See Terms*
CARD DETAILS:
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Any Credit Welcome
MyUniqueOutlet.com: Unique Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0%
See Terms
CARD DETAILS:
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Bad Credit
Horizon Card Services: Horizon Gold
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
CARD DETAILS:
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Bad/No Credit
MyUniqueOutlet.com: Next Millennium
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Bad/Fair Credit
National Credit Direct: National Credit Direct
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.0%
See Terms*
CARD DETAILS:
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Damage credit to Fair credit
Horizon Card Services: Freedom Gold Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See website for Details*
CARD DETAILS:
  • $500 Unsecured Credit Limit.
  • Guaranteed Approval*.
  • No Credit Check.
  • No Employment Check.
  • Fast online application.
  • Reports to a Major Bureau.
  • Bad Credit - OK.
  • See website for Details*
Bad/No Credit
Unique Card Services: Deluxe Signature
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
0%
N/A
CARD DETAILS:
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!
Damaged credit to Fair credit
Horizon Card Services: Net First Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See website for Details*
CARD DETAILS:
  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Any Credit Welcome
MyUniqueOutlet.com: Unique Platinum
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0%
See Terms
CARD DETAILS:
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Horizon Card Services: Independence Gold Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See terms
CARD DETAILS:
  • $500 Limit
  • Easy Terms*
  • No Credit Check
  • No Employment Check
  • Reports to Major Bureau
  • Fast Online Application


Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

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.

See also Credit Cards for:

750-850
Credit Score
700-749
Credit Score
640-699
Credit Score
350-639
Credit Score

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