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April 2020. Top credit cards with 0% intro APR
on purchasesFROM
OUR PARTNERS

If you want to shop to your heart's content and enjoy introductory 0% interest rates 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.

Show more

  • Cards of April 2020
  • 0% Intro APR on BT
  • No Annual Fee
  • Rewards
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM 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 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

Intro APR on Balance Transfers:
0% 15 months on Balance Transfers

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

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

Rewards

The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

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.

Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • 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 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, 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 standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
14.74% - 24.74% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
14.40% - 24.40% Variable
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
14.40% - 24.40% Variable

Annual Fee: $0

Rewards Bonus

Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It's simple: $1 = 1 Point

Apply for Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card – 21 Month Balance Transfer Offer - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
13.74% – 23.74% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, 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 balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
13.74% – 23.74% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum.

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
10.75% (V)
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
10.75% (V)

Annual Fee: $0

Rewards Bonus

Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It’s simple: $1 = 1 Point

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card – 21 Month Balance Transfer Offer - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
13.74% – 23.74% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, 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 balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
13.74% – 23.74% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum.

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
10.75% (V)
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
10.75% (V)

Annual Fee: $0

Rewards Bonus

Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It’s simple: $1 = 1 Point

Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM 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 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

Intro APR on Balance Transfers:
0% 15 months on Balance Transfers

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

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

Rewards

The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

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.

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
14.40% - 24.40% Variable
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
14.40% - 24.40% Variable

Annual Fee: $0

Rewards Bonus

Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It's simple: $1 = 1 Point

Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • 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 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, 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 standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
14.74% - 24.74% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM 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 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

Intro APR on Balance Transfers:
0% 15 months on Balance Transfers

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

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

Rewards

The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

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.

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
10.75% (V)
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
10.75% (V)

Annual Fee: $0

Rewards Bonus

Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It’s simple: $1 = 1 Point

Apply for Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card – 21 Month Balance Transfer Offer - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
13.74% – 23.74% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, 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 balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
13.74% – 23.74% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum.

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
14.40% - 24.40% Variable
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
14.40% - 24.40% Variable

Annual Fee: $0

Rewards Bonus

Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It's simple: $1 = 1 Point

Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • 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 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, 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 standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
14.74% - 24.74% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM 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 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

Intro APR on Balance Transfers:
0% 15 months on Balance Transfers

Ongoing APR:
13.49% - 23.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

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

Rewards

The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

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.

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
10.75% (V)
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
10.75% (V)

Annual Fee: $0

Rewards Bonus

Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It’s simple: $1 = 1 Point

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
0% for 18 months
Regular APR
14.40% - 24.40% Variable
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
14.40% - 24.40% Variable

Annual Fee: $0

Rewards Bonus

Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It's simple: $1 = 1 Point

intro 0% APR ON
PURCHASES

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.

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How can I have two people apply for a credit card / two people reflected on statement?

There are so-called joint credit card accounts. This means you can have a joint account holder, also known as a co-signer. Joint account holders can both use the credit card equally and are both liable for making...

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We can recommend you consider Canadian credit card offers from our partners. Make sure you chose the card that corresponds to your credit score.

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With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors...

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