0% APR Credit Cards on Purchases of January 2019

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Credit Card Applications » 0% APR on Purchases Credit Cards

Top Credit Cards with 0% on Purchases from our partners

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.

Cards of January 2019
0% on BT
No Annual Fee
Rewards
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Good, Excellent Credit
HSBC Bank: HSBC Gold Mastercard® credit card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 13.24%, 17.24% or 21.24%
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check
None
See Rates & Fees
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Excellent, Good Credit
Discover Card: Discover it® Miles
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
10.99% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Excellent, Good Credit
Citibank®: Citi Rewards+℠ Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% 12 months on Purchases
0% 12 months on Balance Transfers
15.74% - 25.74% (Variable)
3% of each balance transfer; $5 minimum.
$0
  • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Citibank®: Citi Simplicity® Card - No Late Fees Ever
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
16.24% - 26.24%* (Variable)
5% of each balance transfer; $5 minimum.
$0*
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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
Capital One®: Capital One® VentureOne® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 12 months
N/A
14.24% - 24.24% (Variable)
$0
$0
  • Click «APPLY ONLINE» to apply now
  • 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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • One-time $150 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24% - 25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24% - 25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Excellent, Good Credit
Discover Card: Discover it® chrome
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Excellent, Good Credit
Citibank®: Citi Rewards+℠ Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% 12 months on Purchases
0% 12 months on Balance Transfers
15.74% - 25.74% (Variable)
3% of each balance transfer; $5 minimum.
$0
  • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Good, Excellent Credit
HSBC Bank: HSBC Gold Mastercard® credit card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 13.24%, 17.24% or 21.24%
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check
None
See Rates & Fees
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Excellent, Good Credit
Discover Card: Discover it® chrome
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Citibank®: Citi Simplicity® Card - No Late Fees Ever
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
16.24% - 26.24%* (Variable)
5% of each balance transfer; $5 minimum.
$0*
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • One-time $150 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24% - 25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24% - 25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Excellent, Good Credit
Discover Card: Discover it® Miles
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
10.99% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Excellent, Good Credit
Citibank®: Citi Rewards+℠ Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% 12 months on Purchases
0% 12 months on Balance Transfers
15.74% - 25.74% (Variable)
3% of each balance transfer; $5 minimum.
$0
  • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Good, Excellent Credit
HSBC Bank: HSBC Gold Mastercard® credit card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 13.24%, 17.24% or 21.24%
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check
None
See Rates & Fees
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One®: Capital One® VentureOne® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 12 months
N/A
14.24% - 24.24% (Variable)
$0
$0
  • Click «APPLY ONLINE» to apply now
  • 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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Citibank®: Citi Simplicity® Card - No Late Fees Ever
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
16.24% - 26.24%* (Variable)
5% of each balance transfer; $5 minimum.
$0*
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24% - 25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24% - 25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Excellent, Good Credit
Discover Card: Discover it® chrome
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • One-time $150 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Excellent, Good Credit
Discover Card: Discover it® Miles
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
10.99% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Excellent, Good Credit
Citibank®: Citi Rewards+℠ Card
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% 12 months on Purchases
0% 12 months on Balance Transfers
15.74% - 25.74% (Variable)
3% of each balance transfer; $5 minimum.
$0
  • Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Excellent, Good Credit
Discover Card: Discover it® Cash Back
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One®: Capital One® VentureOne® Rewards Credit Card
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 12 months
N/A
14.24% - 24.24% (Variable)
$0
$0
  • Click «APPLY ONLINE» to apply now
  • 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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24% - 25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24% - 25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Excellent, Good Credit
Discover Card: Discover it® chrome
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (14 months)
0% (14 months)
14.24% - 25.24% Variable
3%
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.24% - 25.24% (Variable)
3%
$0
  • Click «APPLY ONLINE» to apply now
  • One-time $150 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees


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

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 at least 6 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.

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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