{"id":30923,"date":"2026-07-18T18:10:04","date_gmt":"2026-07-18T18:10:04","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=30923"},"modified":"2026-08-19T17:11:07","modified_gmt":"2026-08-19T17:11:07","slug":"best-0-apr-credit-cards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-0-apr-credit-cards\/","title":{"rendered":"Best 0% Intro APR Credit Cards That Still Earn Rewards"},"content":{"rendered":"<p>Rewards are great, but they shouldn't come at the expense of paying high interest charges. If you have an upcoming large expense that you can't pay off immediately, a rewards credit card with a 0% introductory APR on purchases can give you extra time to pay your balance while still earning valuable points, miles, or cash back.<\/p>\n<p>Here are our favorite rewards credit cards offering extended introductory APR periods on purchases.<\/p>\n<h2><span id=\"Best_for_Flat-Rate_Earnings_Capital_One_VentureOne_Rewards_Credit_Card\">Best for Flat-Rate Earnings: Capital One VentureOne Rewards Credit Card<\/span><\/h2>\n<p>If you want to earn points while saving on interest, the <a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne Rewards Credit Card<\/a> is an excellent choice.<\/p>\n<p>You'll earn a flat 1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. The miles you earn can be transferred to each of <a href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\">Capital One's 22 transfer partners<\/a> for maximum value. You can even enroll in <a href=\"https:\/\/awardwallet.com\/car-rental\/hertz-five-star-status\/\">Hertz Five Star status<\/a> to get upgrades, bonus points, and a wider selection of premium cars for your next rental.<\/p>\n<p>Plus, Capital One doesn't charge foreign transaction fees, so it's perfect for use on an international trip during the low intro APR period.<\/p>\n<p>The Capital One VentureOne offers a 0% intro APR on purchases for 15 months, so it's a great card to use if you need extra time to pay off your purchases. Its benefits are in its simplicity \u2014 no rotating or bonus categories to track or credits to remember to use \u2014 just flat-rate earnings and ease.<\/p>\n<div class=\"qs-card\" data-id=\"3006150\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/650d711d-182b-4180-8b1d-4c31796da3cd.png\" width=\"150\" alt=\"Capital One VentureOne Rewards Credit Card\" class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006150\" class=\"btn-use qs-how-apply\" title='Capital One VentureOne Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The only no-annual-fee personal card to earn transferable Capital One miles, the Capital One VentureOne earns a solid 1.25X miles per dollar on every purchase.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>1.25 Miles on every purchase<\/li>\r\n\t<li>0% intro APR on purchases for 15 months; 18.49% - 28.49% variable APR after that<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5 Miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>1.25 Miles per dollar on every purchase, every day.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureOne\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-26e922c905#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Best_for_Cashback_and_Credits_Blue_Cash_Everyday_Card_from_American_Express\">Best for Cashback and Credits: Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/span><\/h2>\n<p>The <a data-ccid=\"4028086\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-blue-cash-everyday\/\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a> is a great option for families that spend a lot on groceries, gas, and online shopping every month. Cardholders earn 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..<\/p>\n<p>You'll also be able to take advantage of an $84 annual Disney streaming credit (split $7 statement credits each month) on subscriptions through DisneyPlus.com, Hulu.com, or Stream.ESPN.com. While you might not be able to cover the full cost of your Disney streaming subscription with this credit, it still represents meaningful savings if you are already a subscriber.<\/p>\n<p>If you need some time to pay off a large purchase, you can enjoy a low intro APR window of 0% on purchases for 15 months from account opening.<\/p>\n<div class=\"qs-card\" data-id=\"4028086\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/07\/BlueCashEveryday-CardArt-e1657816483860.png\" alt=\"Blue Cash Everyday\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Everyday\u00ae Card from American Express' data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Everyday is a solid, no-annual-fee cashback card for anyone who spends a lot on groceries and gas. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.<\/li><li>No Annual Fee.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.<\/li><li>Earn 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 on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.<\/li><li>Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday&#xAE; Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashEveryDay\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-26e922c905#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Best_for_Travel_and_Groceries_Citi_Strata_Card\">Best for Travel and Groceries: Citi Strata\u2120 Card<\/span><\/h2>\n<p>Every transferable points currency has unique transfer partners, and <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/\">Citi ThankYou Points<\/a> are no different. If you want access to <a href=\"https:\/\/awardwallet.com\/airlines\/american-aadvantage\/\">American Airlines AAdvantage<\/a> as a transfer partner and an extended intro APR period on purchases, it's hard to beat the <a data-ccid=\"241\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata\u2120 Card<\/a>.<\/p>\n<p>As a cardholder, you'll earn 5X on Citi Travel\u2120 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. Any card that lets you customize your earnings to your spending habits will always be a fan favorite. You'll also earn unlimited points in your bonus earning categories, which makes it somewhat unique when compared with other no-annual-fee credit cards.<\/p>\n<p>While you will have access to all of <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\">Citi's 21 transfer partners<\/a>, your transfers will occur at a lower ratio than premium Citi cards. For instance, as a cardholder, you can transfer your points to several airline partners, including American Airlines, but at a 1:0.7 ratio.<\/p>\n<p>However, if you hold one of Citi's premium cards like the <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> or <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a>, you can <a href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/how-to-combine-citi-thankyou-points\/\">combine your rewards to transfer at better ratios<\/a>.<\/p>\n<p>New cardholders can enjoy a 0% intro APR on purchases for 15 months.<\/p>\n<div class=\"qs-card\" data-id=\"241\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata\u2120 Card is one of the most rewarding no-annual-fee cards on the market, thanks to its impressive combination of flexible bonus categories and solid everyday earning. Cardholders can earn elevated points in popular categories like gas stations, supermarkets, EV charging, streaming, and even fitness clubs\u2014making it easy to rack up rewards on routine spending without paying an annual fee.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\r\n<li>0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\r\n<li>Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n<li>Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel<sup>\u00ae<\/sup> via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.<\/li>\r\n<li>Earn 2 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent at Restaurants; earn 1 ThankYou<sup>\u00ae<\/sup> Point for each $1 spent on All Other Purchases.<\/li>\r\n<li>No Annual Fee<\/li>\r\n<\/ul> <\/div><div class=\"qs-tab-er\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrata\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-26e922c905#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Best_for_Rotating_Bonus_Categories_Chase_Freedom_Flex\">Best for Rotating Bonus Categories: Chase Freedom Flex<sup>\u00ae<\/sup><\/span><\/h2>\n<p>The <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex<sup>\u00ae<\/sup><\/a> is one of the most popular cash-back credit cards on the market, thanks to its lucrative earning potential. You'll earn 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.<\/p>\n<p>Historically, <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\">Chase's 5% bonus categories<\/a> have included both specific merchants and general categories. One quarter, you might earn bonus cash back with retailers like Amazon and Target, while the next quarter, it's merchants in a category like dining and fitness clubs. More often than not, you'll be able to maximize your 5% earning category, up to the $1,500 quarterly maximum.<\/p>\n<p>One of the best parts of being a Freedom Flex cardholder is that the cash back you earn is awarded as <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/\">Chase Ultimate Rewards points<\/a>. If you hold another Ultimate Rewards-earning credit card like the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> or <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>, you can <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\">combine your points across accounts<\/a> to unlock access to <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\">Chase's 14 transfer partners<\/a>.<\/p>\n<p>In terms of an introductory APR offer, you can enjoy a 0% introductory APR on purchases for 15 months. That means the Freedom Flex helps you pay off big purchases for over a year while also being a fantastic card to keep in your wallet long after the intro period ends.<\/p>\n<p>Note that this isn't a great card to use abroad, as it charges a foreign transaction fee of 3% of each transaction in U.S. dollars. However, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/credit-cards\/chase-freedom-flex-removing-foreign-transaction-fees\/\" rel=\"noopener\">Chase is removing this fee on September 20, 2026<\/a>.<\/p>\n<div class=\"qs-card\" data-id=\"4048224\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Flex<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Flex<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" =_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% cash back on travel purchased through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/FreedomFlex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-26e922c905#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Best_for_Extra_Perks_US_Bank_Altitude_Connect_Visa_Signature_Card\">Best for Extra Perks: U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card<\/span><\/h2>\n<p>The <a data-ccid=\"4048248\" href=\"https:\/\/awardwallet.com\/credit-cards\/us-bank-altitude-connect\/\">U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card<\/a> is somewhat of a unicorn. You'll earn 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. That's a solid earning potential for a card that doesn't charge any annual fees.<\/p>\n<p>However, what really sets it apart is that it offers four visits to <a href=\"https:\/\/awardwallet.com\/travel\/priority-pass-lounges-guide\/\">Priority Pass lounges<\/a> each year, an application fee credit for <a href=\"https:\/\/awardwallet.com\/airlines\/expedited-airport-security-programs\/\">TSA PreCheck or Global Entry enrollment<\/a>, and 5 GB of data every month through <a href=\"https:\/\/awardwallet.com\/travel\/gigsky-review\/\">GigSky<\/a>. There's a lot to love about this card, including its intro APR: 0% on purchases for the first 15 billing cycles.<\/p>\n<p>The one downside is that U.S. Bank doesn't offer any transfer partners, so the rewards you earn can only be redeemed toward travel or as a deposit to an eligible U.S. Bank account.<\/p>\n<div class=\"qs-card\" data-id=\"4048248\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/09\/CardArt-USBankAltitudeConnectVisaSignatureCard.png\" width=\"150\" alt=\"U.S. Bank Altitude\u00ae Connect Visa Signature\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048248\" href=\"\/blog\/link\/CR-USBankAltitudeConnectVisaSignatureCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card offers 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center and an impressive 4X points on travel. Everyday purchases also earn generously, with 2X points at grocery stores, grocery delivery, dining, and streaming services. Cardholders benefit from a $30 annual streaming service credit applicable to popular platforms like Netflix, Apple TV+, and Spotify. Additional perks include a complimentary Priority Pass\u2122 Select membership with 4 free airport lounge visits annually, up to $100 statement credits for TSA PreCheck<sup>\u00ae<\/sup> or Global Entry<sup>\u00ae<\/sup> fees every four years, and cell phone protection up to $600. This card skillfully balances travel benefits with everyday value\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on prepaid hotels and rental cars booked through the Altitude Rewards Center<\/li>\r\n<li>4X points on other travel, including airlines, hotels, rental cars, cruises, taxis, trains, and limousines.<\/li>\r\n<li>4X points at gas stations and on electric vehicle charging (on up to $1,000 in spending each quarter)<\/li>\r\n<li>2X points at grocery stores, grocery delivery, dining, and streaming services<\/li>\r\n<li>1 point on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/USAltitudeConnect\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-26e922c905#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Best_for_Personalization_Bank_of_America_Customized_Cash_Rewards_credit_card\">Best for Personalization: Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/span><\/h2>\n<p>The <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> is perfect for anyone who wants complete customization of their credit card.\u00a0You will earn 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 <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">BofA Rewards\u2122 program<\/a> member, you can earn 10%\u201375% more cash back on every purchase.<\/p>\n<p>Eligible categories include gas and EV charging stations, online shopping, dining, travel, drug stores and pharmacies, and home improvement and furnishings. Online shopping includes cable, internet, phone plans, and streaming services. Double cash back for your first year as a cardholder means you can reach your quarterly maximum even faster.<\/p>\n<p>You can also enjoy a 0% Intro APR for 15 billing cycles for purchases.<\/p>\n<div class=\"qs-card\" data-id=\"3002004\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/c5354192-2958-47d0-8ea4-710f13b78a41.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 1% (after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum).<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOACashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-26e922c905#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Top_0_Introductory_APR_Credit_Cards_for_Purchases\">Top 0% Introductory APR Credit Cards for Purchases<\/span><\/h2>\n<p>We only included cards with an introductory APR window of at least 15 months. There are other great cards, like the <a data-ccid=\"5048294\" href=\"\/blog\/link\/CR-WellsFargoAutographCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), that offer shorter intro APR windows. However, before applying for a card, make sure you can pay off the balance in full by the end of the intro APR period without making late payments.<\/p>\n<p>Similarly, this is a list of the best <strong>rewards<\/strong> cards with a low intro APR on purchases. That means we aren't including some of the credit cards with the longest intro APR period, like the <a data-ccid=\"4048269\" href=\"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-reflect-card\/\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>),<a data-ccid=\"4048257\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-slate-edge\/\">Chase Slate<sup>\u00ae<\/sup> Credit Card<\/a>, or <a data-ccid=\"740106\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-simplicity-review\/\" =_blank>Citi Simplicity<sup>\u00ae<\/sup> Card<\/a> because they don't earn rewards.<\/p>\n<p>Here are a few things to consider when evaluating the best card for your situation:<\/p>\n<ul>\n<li>How long will you need to pay off the purchase?<\/li>\n<li>Which rewards currency provides the best return on your spending?<\/li>\n<li>Does the card charge any annual or foreign transaction fees?<\/li>\n<li>Will the card still be valuable after the introductory APR period ends?<\/li>\n<\/ul>\n<p>Here's an overview of the top 0% intro APR credit cards:<\/p>\n<p>\n<table id=\"tablepress-187\" class=\"tablepress tablepress-id-187 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Credit Card<\/th><th class=\"column-2\">0% APR Period on Purchases<\/th><th class=\"column-3\">Regular APR<\/th><th class=\"column-4\">Earning Potential<\/th><th class=\"column-5\">Annual Fee<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" rel=\"noopener nofollow sponsored\">Chase Freedom Flex<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">18.24% - 27.74% Variable APR<\/td><td class=\"column-4\">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<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata\u2120 Card<\/a><\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">18.49% - 28.49% Variable APR<\/td><td class=\"column-4\">5X on Citi Travel\u2120 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<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006150\" href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=_blank rel=\"noopener nofollow sponsored\">Capital One VentureOne Rewards Credit Card<\/a><\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">18.49% - 28.49% Variable APR<\/td><td class=\"column-4\">1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a><\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">19.49% - 28.49% Variable APR - <a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/td><td class=\"column-4\">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.<\/td><td class=\"column-5\">$0 - <a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048248\" href=\"\/blog\/link\/CR-USBankAltitudeConnectVisaSignatureCard\" rel=\"noopener nofollow sponsored\">U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">15 billing cycles on purchases<\/td><td class=\"column-3\">17.49% - 27.49% Variable APR<\/td><td class=\"column-4\">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<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002004\" href=\"\/blog\/link\/CR-BankofAmericaCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a><\/td><td class=\"column-2\">for 15 billing cycles for purchases<\/td><td class=\"column-3\">17.49% - 27.49% Variable APR on purchases and balance transfers APR<\/td><td class=\"column-4\">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 <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">BofA Rewards\u2122 program<\/a> member, you can earn 10%\u201375% more cash back on every purchase<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=07d7d79eb0b0e4cc4639d04fd63ac475b&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">18.24% - 27.74% Variable APR<\/td><td class=\"column-4\">5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a><\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">17.24% - 28.24% Variable APR<\/td><td class=\"column-4\"><ul>\r\n<li>5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases - automatically.<\/li>\r\n<\/ul><\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006159\" href=\"\/blog\/link\/CR-CapitalOneQuicksilverCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Capital One Quicksilver Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">15 months<\/td><td class=\"column-3\">18.49% - 28.49% Variable APR<\/td><td class=\"column-4\"><ul>\r\n<li>5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5% cash back on purchases through Capital One Entertainment<\/li>\r\n<li>1.5% cash back on every purchase, every day<\/li>\r\n<\/ul><\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048133\" href=\"\/blog\/link\/CR-USBankCashPlusVisaSignatureCard\" rel=\"noopener nofollow sponsored\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">15 billing cycles on purchases<\/td><td class=\"column-3\">17.74% - 27.99% Variable APR<\/td><td class=\"column-4\">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<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-balance-transfer-cards\/\">Best 0% APR Balance Transfer Credit Cards<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>There's a lot to consider when evaluating the best rewards cards with a 0% intro APR on purchases. You want a card with a long intro APR window so you have plenty of time to pay off your purchase, but you also want a card that earns valuable rewards on those purchases. There are plenty of cards that do one or the other, but finding a card that checks all the boxes can be challenging.<\/p>\n<p>Luckily for you, all the cards listed charge no annual fee, so you have access to low (or no) cost financing for larger purchases that accept credit card payments.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Best_for_Flat-Rate_Earnings_Capital_One_VentureOne_Rewards_Credit_Card\">Best for Flat-Rate Earnings: Capital One VentureOne Rewards Credit Card<\/a><\/li><li><a href=\"#Best_for_Cashback_and_Credits_Blue_Cash_Everyday_Card_from_American_Express\">Best for Cashback and Credits: Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a><\/li><li><a href=\"#Best_for_Travel_and_Groceries_Citi_Strata_Card\">Best for Travel and Groceries: Citi Strata\u2120 Card<\/a><\/li><li><a href=\"#Best_for_Rotating_Bonus_Categories_Chase_Freedom_Flex\">Best for Rotating Bonus Categories: Chase Freedom Flex<sup>\u00ae<\/sup><\/a><\/li><li><a href=\"#Best_for_Extra_Perks_US_Bank_Altitude_Connect_Visa_Signature_Card\">Best for Extra Perks: U.S. Bank Altitude<sup>\u00ae<\/sup> Connect Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Best_for_Personalization_Bank_of_America_Customized_Cash_Rewards_credit_card\">Best for Personalization: Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a><\/li><li><a href=\"#Top_0_Introductory_APR_Credit_Cards_for_Purchases\">Top 0% Introductory APR Credit Cards for Purchases<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Need extra time to pay off a big purchase? These cards offer extended 0% intro APR periods on purchases while still earning points, miles, or cash back \u2014 and they can remain useful long after the introductory APR ends.<\/p>\n","protected":false},"author":105,"featured_media":168480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12232],"coauthors":[36518,36390],"class_list":["post-30923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-offers"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/30923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/105"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=30923"}],"version-history":[{"count":36,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/30923\/revisions"}],"predecessor-version":[{"id":274647,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/30923\/revisions\/274647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/168480"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=30923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=30923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=30923"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=30923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}