AwardWallet receives compensation from advertising partners when you visit our site, click on a link, when you are approved for a credit card, or when an account is opened. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 07/18/2025
Offers for the Amex EveryDay® Credit Card, Bank of America® Customized Cash Rewards credit card, Citi Custom Cash® Card, Citi Simplicity® Card, Chase Freedom Flex℠ and HSBC Gold Mastercard® credit card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Paying interest on credit card debt will quickly wipe out the value of any rewards earned on purchases and can make it difficult to pay down the balance on your credit card. We recommend never carrying a balance on your cards, but, the reality is, whether you have a large purchase on the horizon or an emergency expense you haven’t accounted for, there are times when it isn’t practical or pragmatic to pay down your entire balance at the end of the month.
While many cards offer an introductory 0% APR period on both purchases and balance transfers, we’ve focused this post on cards featuring a 0% intro APR on purchases. Allowing you to take advantage of the purchase protection benefits offered by rewards cards, earn rewards on your purchase, and potentially pay no interest or fees on a large purchase that would cost substantially more using traditional financing.
Top 0% Introductory APR Credit Cards for Purchases
When tossing up between 0% APR cards, it’s essential to ask yourself a few questions, first and foremost being; can you pay off the balance before the end of the introductory-APR period, without making late payments. High credit card interest rates are an inefficient method of financing a purchase, and if you miss a payment, or don’t pay the balance in full before the introductory APR period ends, you’ll be paying double-digit interest rates. Other factors to consider include:
- How much time will it take to pay down the balance? 6 months? 12 months? Longer? This will have a significant impact on the best card for your situation.
- Will points, miles, or cash back provide the best return on your purchase?
- Are there fees to factor into the equation? Annual fees or transaction fees for example.
Once you have a clear idea of your requirements, it's time to find the best card to suit your needs. Below, you'll find some of our favorite 0% intro APR cards listed from the longest 0% intro APR period to the shortest.
| Credit Card | 0% APR Period on Purchases | Regular APR | Earning Potential | Annual Fee |
|---|---|---|---|---|
| Chase Freedom Flex℠ | 15 months | 19.24% - 27.99% Variable APR | 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases | $0 |
| Citi Strata℠ Card | 15 months | 18.49% - 28.49% Variable APR | 5X on Citi Travel℠ bookings (including hotels, car rentals, and attractions); 3X on supermarkets, gas and EV charging stations, select transit, and one self-selected category (choose from fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores); 2X at restaurants; 1X on everything else | $0 |
| Capital One VentureOne Rewards Credit Card | 15 months | 18.49% - 28.49% Variable APR | 1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel | $0 |
| Blue Cash Everyday® Card from American Express | 15 months | 19.49% - 28.49% Variable APR - Rates & Fees | 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category (up to $6,000 per year, then 1%), and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. | $0 - Rates & Fees |
| U.S. Bank Altitude® Connect Visa Signature® Card | 15 billing cycles on purchases | 17.49% - 27.49% Variable APR | 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4X points on travel, 4X points on gas stations, and EV charging stations (on up to $1,000 spent per quarter), 2X points on streaming services, plus 2X points at grocery stores, grocery delivery, and dining | $0 |
| Bank of America® Customized Cash Rewards credit card | for 15 billing cycles for purchases | 18.24% - 28.24% Variable APR on purchases and balance transfers APR | 6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%–75% more cash back on every purchase | $0 |
| Chase Freedom Unlimited® (Rates & Fees) | 15 months | 18.24% - 27.74% Variable APR | 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases | $0 |
| Discover it® Cash Back | 15 months | 17.24% - 28.24% Variable APR |
| $0 |
| Capital One Quicksilver Cash Rewards Credit Card | 15 months | 18.49% - 28.49% Variable APR |
| $0 |
| U.S. Bank Cash+® Visa Signature® Card | 15 billing cycles on purchases | 17.74% - 27.99% Variable APR | 5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% on one everyday category (like gas or groceries), and 1% on all other eligible net purchases | $0 |
Chase Freedom Unlimited®
While it doesn't offer the longest 0% APR intro rate on purchases, the Freedom Unlimited stands out from the crowd thanks to its long-term earning potential for Ultimate Rewards.
The card features a 0% introductory APR on purchases for up to 15 months (then 18.24% - 27.74% Variable). While advertised as a cashback card, you’re effectively earning Ultimate Rewards points on purchases if you combine your points with one of the Chase cards that allow transfers to Ultimate Rewards partners.
Read More: Chase Freedom Unlimited Card Review
Ink Business Unlimited® Credit Card & Ink Business Cash® Credit Card
Both the Ink Unlimited (Rates & Fees) and Ink Cash (Rates & Fees) offer up the perfect mix of high-value welcome bonus and extended intro APR period. Not only will new cardholders pay no interest on purchases until the intro APR period ends, but you can land one of the highest cashback bonuses available across all the rewards cards.
Don’t forget, if you also hold an Ultimate Rewards earning card that charges an annual fee, you can combine the points earned on these two cards with those earned on premium Ultimate Rewards earning cards, and transfer them to partners to achieve exponentially higher value!
Final Thoughts
There are plenty of cards available offering 0% intro APR on purchases, plus you can earn a stack of points, miles, or cash back without attracting the high interest charged on traditional credit cards. It’s great that all the cards listed charge no annual fee as it provides access to low (or no) cost finance for larger purchases that accept credit card payments.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Freedom Unlimited® (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), and Ink Business Cash® Credit Card (Rates & Fees)
