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0% Credit Cards

Paying your credit card balance in full allows you to avoid interest charges. However, there's another way to do this: opt for a credit card that offers a 0% introductory APR. With this type of offer, you don't have to worry about interest charges - even if you carry a balance from one month to the next. 0% introductory APR's normally apply strictly to purchases. Find a credit card with a 0% introductory APR and apply securely online directly with the bank.




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The Amex EveryDay® Credit Card from American Express
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The Amex EveryDay® Credit Card from American Express

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 1
Rewards: Other
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% on Balance Transfers for 12 months 0% on Purchases for 12 months 13.99%-23.99% Variable
Blue Cash Everyday® Card from American Express
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Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 13
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% on Balance Transfers for 15 months 0% on Purchases for 15 months 13.99%-24.99% Variable
BankAmericard® Credit Card
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Directly with Bank of America®

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BankAmericard® Credit Card

  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 15 billing cycles on purchases 12.99% - 22.99% Variable APR on purchases and balance transfers
Bank of America® Cash Rewards Credit Card
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Bank of America® Cash Rewards Credit Card

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 4
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 12 billing cycles on purchases 13.99% - 23.99% Variable APR on purchases and balance transfers
Bank of America® Travel Rewards Credit Card
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Bank of America® Travel Rewards Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: 1
Rewards: Travel
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* 0% Intro APR for 12 billing cycles on purchases 15.99% - 23.99% Variable APR on purchases and balance transfers
Susan G. Komen® Credit Card
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Directly with Bank of America®

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Susan G. Komen® Credit Card

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $7 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers.


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 12 billing cycles on purchases 13.99% - 23.99% Variable APR on purchases and balance transfers
HSBC Gold Mastercard® credit card
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HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 11.99%, 15.99% or 19.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

See Rates & Fees
Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% Intro APR for 18 months 0% Intro APR for 18 months Variable APR of 11.99% - 19.99%
Barclaycard CashForward™ World Mastercard®
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Barclaycard CashForward™ World Mastercard®

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% for 15 months (on balance transfers made within 45 days of account opening) 0% for 15 months 15.99%, 20.99% or 25.99% Variable
Amalgamated Bank of Chicago Union Strong Credit Card
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Amalgamated Bank of Chicago Union Strong Credit Card

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 10.25% (V)
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: Flexible Options
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* 0% for 12 months* 10.25% (Variable)*
ABOC Platinum Rewards Credit Card
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ABOC Platinum Rewards Credit Card

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.65% - 23.65%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: Flexible Options
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* 0% for 12 months* 13.65% - 23.65% (Variable)*
These credit cards are typically for consumers with good to excellent credit. Before applying, focus on the following details of each offer:

When you secure a credit card with a 0% introductory rate, you don't have to worry about paying interest for the intro rate. By comparing multiple offers, you can find the one that best suits your current and future financial situation.
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