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0% Intro APR on Purchases

0% Intro APR on Purchases

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How to Choose the Best 0% Introductory Purchase APR Credit Card

You know you plan on carrying a balance and that a card with a 0% introductory purchase APR is right for you. But which one? Here are three factors to consider:

Flexible Payments
If you plan on making a large purchase and want to minimize the interest you’ll be charged, look for a credit card with the longest 0% introductory APR on purchases. Many introductory periods last for 6 or 12 months, but some are up to 18 months long.

Earn Rewards
If you want credit card rewards, it's hard to beat cash. Look for a 0% intro APR credit card with cash back.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.


Chase Freedom Unlimited
Read ReviewApply for Chase Freedom Unlimited
At Chase's Secure Site
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Our Review: With an intro cash back offer and no annual fee, does Chase Freedom Unlimited® live up to the hype? Read this in-depth review to see how it stacks up... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.49% - 25.24% Variable
$0

Chase Freedom Flex
Apply for Chase Freedom Flex
At Chase's Secure Site
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.49% - 25.24% Variable
$0

Ink Business Cash Credit Card
Read ReviewApply for Ink Business Cash Credit Card
At Chase's Secure Site
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
Our Review: Read this in-depth Ink Business Cash review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
14.74% - 20.74% Variable
$0


$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 20 billing cycles*
0%* for 20 billing cycles*
14.24% - 23.24%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 13.99% - 22.99% will apply after the Introductory Period
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 18 billing cycles
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
15.24% - 25.24% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 15 billing cycles
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
16.24% - 26.24% Variable APR on purchases and balance transfers
$0


Read Review
Our Review: Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back with no rotating bonus categories or annual fees. Read on to find out if it's worth having... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
16.49% - 26.49% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
16.49% - 26.49% (Variable)
$0


Read Review
Our Review: With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0


Read Review
Our Review: Discover it Miles rewards users with 1.5x miles and no annual fee (a rarity among travel credit cards). Plus, as a promotion, the card will match the miles you earn at the end of your first year... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
10.99% for 14 months
13.49% - 24.49% Variable
$0

Ink Business Unlimited Credit Card
Read ReviewApply for Ink Business Unlimited Credit Card
At Chase's Secure Site
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Our Review: Chase Ink Business Unlimited card offers a huge sign-up bonus, 1.5% cash back on all purchases, and no annual fee. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
14.74% - 20.74% Variable
$0


Read Review
Our Review: Bank of America Travel Rewards gives you 1.5x points for every purchase. But does it make a good travel reward card? Read on... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 12 billing cycles
N/A
16.24% - 26.24% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 21 months*
16.99% - 26.99%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 21 months*
15.99% - 25.99%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 billing cycles
N/A
14.49% - 24.49% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 billing cycles
N/A
14.49% - 24.49% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
14.24% - 24.24% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 7 billing cycles
N/A
12.49% - 23.49% Variable APR on purchases and balance transfers
$0


Read Review
Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0

Disclaimer: The information for the U.S. Bank Business Platinum, HSBC Gold Mastercard® credit card, BankAmericard® credit card, Bank of America® Customized Cash Rewards credit card, Capital One Quicksilver Cash Rewards Credit Card, Capital One VentureOne Rewards Credit Card, Discover it® Cash Back, Discover it® chrome, Discover it® Miles, Bank of America® Travel Rewards credit card, Citi Simplicity® Card, Citi Diamond Preferred® Card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Spark Miles Select from Capital One, Bank of America® Platinum Plus® Mastercard® Business card, Discover it® Student Cash Back, and Discover it® Student chrome has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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