Page Contents<\/p>
- How 0% Introductory APR Card Offers Work<\/a><\/li>
- Our Pick: Best All-Around 0% Intro APR Card<\/a><\/li>
- Best First-Year Offer on a 0% Intro APR Credit Card<\/a><\/li>
- Best 0% Intro APR Credit Card for Wells Fargo Customers<\/a><\/li>
- Best 0% Intro APR Credit Card for Earning Miles<\/a><\/li>
- Best 0% Intro APR Credit Card for Earning Cash Back<\/a><\/li>
- Best 0% Intro APR Credit Card for a Long Intro Period<\/a><\/li>
- Top 0% Intro APR Credit Cards for Purchases<\/a><\/li>
- How to Choose an Intro 0% APR Credit Card<\/a>
- Length of the intro 0% APR period<\/a><\/li>
- Opportunity to earn rewards<\/a><\/li>
- Welcome bonus<\/a><\/li>
- Regular APR<\/a><\/li>
- Eligibility<\/a><\/li><\/ul><\/li>
- Are There Downsides to Using a 0% Introductory APR Card?<\/a><\/li>
- Final Thoughts<\/a><\/li><\/ul><\/div>\n\n
How 0% Introductory APR Card Offers Work<\/span><\/h2>\n
A 0% intro APR card lets you avoid interest for a set period \u2014 usually on new purchases, balance transfers, or both. During that time, you won\u2019t pay interest on qualifying transactions. After the promo period ends (e.g., 12 months), any remaining balance begins accruing interest at the card\u2019s regular APR — which is typically based on your credit profile.<\/p>\n
While you may have a 0% introductory rate, balance transfers typically require paying a 3%\u20135% fee on transfers, often with a $5 minimum. Also, many issuers only apply the intro APR to transfers made within a set window \u2014 typically 45 days or two billing cycles from account opening. So, it pays to act fast and pay off the balance before interest kicks in.<\/p>\n
If you're interested in balance transfers, check out our post on the best 0% APR cards for balance transfers<\/a>. For now, we're going to focus on cards with 0% interest on purchases.<\/p>\n
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Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n Our Pick: Best All-Around 0% Intro APR Card<\/span><\/h2>\n
The Chase Freedom Unlimited\u00ae<\/sup><\/a> (Rates & Fees<\/a>) is one of the most well-rounded cash back cards out there. Not only can you take advantage of a low intro APR on purchases, but you can earn unlimited cash back, enjoy a variety of trip and purchase protections, and even get six months of complimentary DoorDash DashPass<\/a> when you activate by December 31, 2027<\/strong>.<\/p>\n
New cardholders can take advantage of a 0% introductory APR on purchases for 15 months, then a Variable rate of 18.24% - 27.74%. That's over a year of interest-free payments while you still enjoy lucrative rewards.<\/p>\n
\n\n\nChase Freedom Unlimited\u00ae<\/sup><\/div>\n<\/div>\n Apply Now<\/a><\/div>\nRates & Fees<\/a><\/span><\/div>\nWelcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n <\/div>\n\n Chase Freedom Unlimited\u00ae<\/sup><\/strong>\nWelcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\nAnnual Fee:<\/strong>$0<\/b><\/div>\nShow more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to transfer points to partners<\/a>. <\/div>\n\n\n- Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/li>
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.<\/li>
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!<\/li>
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.<\/li>
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card<\/li>
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.<\/li>
- Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div>
- Opportunity to earn rewards<\/a><\/li>
- Our Pick: Best All-Around 0% Intro APR Card<\/a><\/li>
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