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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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18 Cards Available:

Credit card
Estimated Bonus Value :

$1,080

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Annual Fee: $250

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Estimated Bonus Value :

$1,080

Offer: Earn 90,000 Bonus SkyMiles + 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in your first 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)

With the Delta SkyMiles® Platinum American Express Card, you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Platinum Bonus Categories

  • Earn 3X miles on Delta purchases
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 2X miles at U.S. supermarkets
  • Earn 2X miles at restaurants, worldwide
  • Terms apply

Additional Delta Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.

Get a 0% intro APR on purchases for 12 months from the date your account is opened, then a variable 15.74%-24.74%. Offer expires 7/28/2021.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 90,000 Bonus SkyMiles + 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in your first 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)
Credit card

Delta SkyMiles® Gold American Express Card

Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$840

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Annual Fee: $99

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Estimated Bonus Value :

$840

Offer: Earn 70,000 Bonus Miles when you spend $2,000 in your first 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)

With the Delta SkyMiles® Gold American Express Card, get your first checked bag free and priority boarding on Delta. It also earns 2x miles on Delta spend. More serious Delta flyers should consider the Platinum Delta SkyMiles Credit Card from American Express.

Gold Delta SkyMiles Credit Card Earn Rate

  • 2X Delta SkyMiles on Delta purchases
  • 2X miles on U.S. supermarkets
  • 2X miles on restaurants worldwide
  • 1X miles on everything else

New Delta Flight Benefit

Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year. Terms apply.

0% Intro APR Offer

Get a 0% intro APR on purchases for 12 months from account opening, then a variable rate of 15.74%-24.74%. Offer expires 7/28/2021.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 70,000 Bonus Miles when you spend $2,000 in your first 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $3,000 in your first 90 days

The US Bank Business Cash Rewards World Elite Mastercard may not be the first small business credit card that you think of, but it's an excellent cash back card if you spend a lot at gas stations, office supplies or cell phone service as you will earn 3% cash back on all three of these categories with no cap.

You also get a 25% bonus each anniversary of your prior year's rewards, up to $250.

There's no annual fee, no foreign transactions fees, and it offers complimentary secondary cell phone protection.

Offer: Get $500 when you spend $3,000 in your first 90 days
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $4,500 in your first 150 days

The U.S. Bank Triple Cash Rewards Visa® Business Card is a new small business credit card that offers a great 3% cash back at gas stations, office supplies or cell phone service or at restaurants.

You will earn 3% cash back on all four of these categories with no cap.

No annual fee.

Offer: Get $500 when you spend $4,500 in your first 150 days
Credit card

Blue Cash Preferred® Card from American Express

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$300

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Annual Fee: $95

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Estimated Bonus Value :

$300

Offer: Earn $300 as a statement credit when you spend $3,000 within 6 months. Terms apply. (Rates and Fees)

The Blue Cash Preferred® Card from American Express offers fantastic bonuses on U.S. supermarkets and U.S. gas stations.

This may be the best cash back card for groceries and gas combined, with 6% back on US supermarkets (up to $6,000 a year; 1% thereafter) and U.S. streaming services plus 3% back on U.S. gas and transit (bus, train, ferry, etc). Terms apply.

There is also an offer for a 0% Intro APR for 12 months on new purchases, then 13.99% to 23.99%. (Rates and Fees)

* American Express defines a supermarket as a store offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Note on the 3% cash back on transit: It does not include cruises, airfare, or other standard "travel" categories. The YourBestCreditCards tool classifies this in the Other Travel category. See site for details. Terms apply.

Offer: Earn $300 as a statement credit when you spend $3,000 within 6 months. Terms apply. (Rates and Fees)
Credit card

Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$300

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Annual Fee: $0

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Estimated Bonus Value :

$300

Offer: Get 20,000 bonus points when you spend $1,500 within your first 3 months.

o% APR Offers - Balance Transfers

Get a 0% Intro APR on both balance transfers and purchases for 15 months. Then, the variable APR will be 13.49% - 23.49%, depending on your creditworthiness. There is a balance transfer fee, which is either $5 or 3% of the amount of each transfer, whichever is greater.

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 20,000 bonus points when you spend $1,500 within your first 3 months.
Credit card
Estimated Bonus Value :

$255

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Annual Fee: $0

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Estimated Bonus Value :

$255

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)

Highly Recommended: Earn 2x Membership Rewards points on everything with the Blue Business® Plus Credit Card - 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, then 13.24% (Prime Rate + 9.99%) to 19.24% (Prime Rate + 15.99%.  (Rates and Fees)

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$250

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Annual Fee: $0

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Estimated Bonus Value :

$250

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)

The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee. 

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Earn $200 as a statement credit when you spend $2,000 within 6 months. Terms apply. (Rates and Fees)

The Blue Cash Everyday® Card from American Express has no annual fee and earns cash back with several popular bonus categories.

It features bonus cashback on groceries, gas, and department stores.

- Earn 3% cash back at US supermarkets for up to $6,000 in annual purchases; 1% thereafter.

- Earn 2% cash back at US gas stations and certain US Department Stores

- Earn 1% cash back on everything else.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

0% Intro APR

Enjoy a 0% APR on new purchases for 15 months starting when you are approved for the Blue Cash Everyday card; then 13.99% to 23.99%. (Rates and Fees)

Offer: Earn $200 as a statement credit when you spend $2,000 within 6 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days

With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.

Card Features:

  • 4% cash back on dining, including takeout and delivery
  • 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
  • 1% cash back on everything else
  • No annual fee
  • No foreign transaction fees
  • A one-time $15 streaming service credit after 11 months of streaming service purchases.

0% Intro APR for 12 Months on the Altitude GO card

New cardmembers will get a 0% APR on new purchases and on balance transfers for 12 months. A 3% fee applies to balance transfers.

US Bank Altitude GO Credit Card Review

The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.

Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.

This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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

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

$150

Calculator

Annual Fee: $0

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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

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Annual Fee: $0

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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 12 month long 0% intro APR and 21 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 21 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 5% 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 12 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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