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Yes, you may find credit cards that offer 0% APR on purchases and may be used to make purchases at your favorite stores. Note that when the introductory 0% APR is over, an ongoing interest will apply. What is more, there are credit cards that also come with no annual fee and rewards. For example, you may choose the Discover it® Miles credit card. It comes with 0% intro APR for 14 months (when the introductory interest rate is over, the ongoing APR of 13.49% - 24.49% Variable will apply). What is more, this card has no annual fee. Everytime you use your card you will earn unlimited 1.5x miles for every dollar spent on all purchases. Another great feature is that Discover will match ALL the miles you've earned at the end of your first year, automatically (if you are a new cardmember). For example, if you earn 35,000 miles, you get 70,000 miles.