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0% Intro APR Credit Cards

Limited Time Introductory 0% Interest Credit Card Offers for New Accounts

Below, we have listed a number of credit cards that are offering an introductory 0% APR on new purchases. We’d like to call your attention to the fact that, in general, rewards earning credit cards have the highest APRs, so even though these 0% APR intro periods are a good deal, you will want to be very careful not to carry a balance once the intro period expires.

What are the Best 0% APR Credit Cards?

The number of months that each credit card offers the 0% Interest APR varies from card to card, so you’ll want to click in and compare each card. You should be looking for an intro 0% APR with the longest time period. Currently the best offer on the market offers a 21 month 0% intro APR period

You can also view the best balance transfer credit cards

We base our ratings below on the value of the points of each card multiplied by the amount of the bonus. Pretty simple!

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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6 Cards Available:

Credit card
Estimated Bonus Value :

$263

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$263

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months

A no-fee Chase card offering 1.5x Ultimate Rewards points on everything. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners. It also now offers 5X points on Lyft rides.

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

0% Interest APR Intro Offer:

Get a 0% Intro APR for 15 months (Terms Apply)

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months
Credit card

Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$225

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$225

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.

o% APR Offers - Intro and Balance Transfers

Get a 0% Intro APR on both balance transfers and purchases for 15 months

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.
Credit card
Estimated Bonus Value :

$170

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$170

Offer: 10,000 bonus Membership Rewards points when you spend $3,000 in 3 months

Highly Recommended:

Earn 2x Membership Rewards points on everything - up to $50,000 per year. This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.

Intro 0% APR

0% introductory APR on purchases for 12 months  (Terms apply)

Offer: 10,000 bonus Membership Rewards points when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$150

Offer: Get $150 cash back when you spend $500 in 90 days

With no foreign transaction fees, no annual fee, and 3% back on dining as well as 2% back on grocery stores, this card is an easy way to up your cash back game.

Please note that applications are only being accepted in the following states:  Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.

If you are not in an approved state, please see our other cash back credit cards.

0% APR Intro Offer

Get 15 months of 0% Interest on new purchases your new card account for 15 months (Terms apply).

Offer: Get $150 cash back when you spend $500 in 90 days
Credit card
Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$150

Offer: $150 statement credit when you spend $1,200 within 90 days of opening your account

The ABOC Platinum Rewards Mastercard® Credit Card offers an intro 0% APR for your first 12 months.

It earns 1 point per dollar and also earns 5X points on categories that rotate each quarter, up to $1,500 per quarter, like dining, groceries, Amazon.com, gas, etc. 

ABOC points are redeemed for gift cards or travel and are worth approximately 0.8 cents each - equating to about a 4% cash back on the rotating quarterly categories. 

This is also a popular card for people with credit rated "Fair" or "Average".

Offer: $150 statement credit when you spend $1,200 within 90 days of opening your account
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: No bonus offer is available at this time.

The Citi Diamond Preferred credit card isn't about travel rewards. It's designed for those that want to take advantage of its 18 month long 0% intro APR and 18 month Balance Transfer offers.

Citi Diamond Preferred 0% APR Balance Transfer Offer:

Within the first four months after approval, you will get a 0% Intro APR on balance transfers for 18 months (this is from the date of your first transfer). The APR following the intro period is variable. This is currently the longest 0% APR balance transfer period on the market.

You must complete all Balance Transfers within the first four months following approval.

A $5 or 3% balance transfer fee applies, whichever is greater.

Citi Diamond Preferred 0% Intro APR Offer

You'll also get a 0% Intro Apr on all new purchases for the first 18 months.

Offer: No bonus offer is available at this time.

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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