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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Bank of America® Customized Cash Rewards credit card
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Bank of America® Customized Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, 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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


Credit Needed:
Excellent, GoodCreditWeb considers the following based on credit types:

A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.* 0% Intro APR for 15 billing cycles on purchases 18.24% - 28.24% (Variable)*
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 as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


Credit Needed:
Excellent, GoodCreditWeb considers the following based on credit types:

A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2

Reviews: Be the first to write one
Rewards: Travel
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.* 0% Intro APR for 15 billing cycles on purchases 18.24% - 28.24% (Variable)*
Bank of America® Unlimited Cash Rewards credit card
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Bank of America® Unlimited Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


Credit Needed:
Excellent, GoodCreditWeb considers the following based on credit types:

A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$0* 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.* 0% Intro APR for 15 billing cycles on purchases 18.24% - 28.24% (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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* See the online bank credit card application for details regarding terms and conditions for offers. When you click on the "Apply Now" button, CreditWeb will connect you to the offer, then the page will be redirected in a few seconds.

1 Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditWeb receives compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. We do not include all credit card companies or all card offers available in the marketplace. Please see the credit card application for details about the offer as well as the terms and conditions.

Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2 FICO scores/credit scores are used to represent the credit-worthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any credit card product.
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