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.

Top Credit Cards Found.



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Advertiser Disclosure *

Chase Slate®

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 2
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$00% for 15 months0% for 15 months15.49% - 24.24% Variable
Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: 3
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$00% for 15 months0% for 15 months15.49% - 24.24% Variable
Susan G. Komen® Credit Card

  • $100 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 up to 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, 13.49% - 23.49% Variable APR. 3% fee (min $10) applies to balance transfers.


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular 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 purchases13.49% - 23.49% (Variable)*
BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 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 up to 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, 13.49% - 23.49% 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 4
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular 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 purchases13.49% - 23.49% (Variable)*
BankAmericard 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 15.49% - 23.49% 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 1
Rewards: Travel
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0% Intro APR for 12 billing cycles on purchases15.49% - 23.49% (Variable)*
Barclaycard Ring™ Mastercard®

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$00% for 15 months (on balance transfers made within 45 days of account opening)0% for 15 months13.49% 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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