Intro 0% Interest Credit Cards

If you need to make purchase and pay for it over time, your existing credit card might have a high purchase APR. MagnifyMoney has reviewed more than 2,000 cards from our partners to find the 0% introductory purchase rate credit cards, which can last up to 21 months. Use these cards to keep your cost of borrowing low.

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SHOWING 646 CARD OFFERS

 
Annual Fee
Introductory Offer
Visa<sup>®</sup> Platinum Card from United Community Bank

B

A little complex

14.24% - 23.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa® Platinum Card  from NBT Bank

C

Lots of fine print

14.24% - 26.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from Dane County CU

B

A little complex

14.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from United One CU

B

A little complex

14.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Stand Up To Cancer<sup>®</sup> credit card from Fifth Third Bank

C

Lots of fine print

14.49% - 25.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Blue Cash Preferred® Card from American Express

C

Lots of fine print

14.49% - 25.49%

Variable APR

$95 / $95

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

  • $95 annual fee
  • Annual fee for ongoing years $95
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
  • Ongoing Purchase APR: 14.49%-25.49% Variable
  • BT Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Overview

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.

Key2More Rewards<sup>®</sup> Credit Card

B

A little complex

14.49% - 23.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

ABOC Platinum Rewards Mastercard® Credit Card

B

A little complex

14.65% - 24.65%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

  • Annual Fee - $0
  • Regular (GoTo) APR - 14.65% - 24.65% Variable APR

Overview

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.65% - 24.65%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

MasterCard Personal Cash Rewards Card from Republic Bank

B

A little complex

14.70% - 21.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Citizens Bank Clear Value<sup>®</sup> MasterCard<sup>®</sup>

B

A little complex

14.99% - 22.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 18 mo. Balance Transfer

Key Terms

Overview

Citi Rewards+<sup>SM</Sup> Card

B

A little complex

14.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

  • $0 annual fee
  • 3% foreign transaction fee
  • 14.99% - 24.99% (Variable) APR if balance not paid in full
  • BT Fee: 3% of cash balance transfer; $5 minimum

Overview

  • The Citi Rewards+℠Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Edward Jones World MasterCard<sup>®</sup>

A

Very Transparent

14.99%

Fixed APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

MidFirst Bank Rewards Credit Card

B

A little complex

14.99% - 20.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Fred Meyer Rewards® Visa® Card from US Bank

B

A little complex

14.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 9 mo. Balance Transfer

0% Intro rate for 9 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Rewards Card from St. Mary's Bank

B

A little complex

15.20% - 20.20%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 7 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Rewards Card from Alliant CU

B

A little complex

15.24% - 25.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

First Tennessee Platinum Premier Visa

B

A little complex

15.25% - 20.25%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Union Bank Rewards Visa<sup>®</sup> Credit Card

B

A little complex

15.49% - 25.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Cash Rewards American Express® Card from Radius Bank

B

A little complex

15.49% - 24.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Polaris<sup>®</sup> Visa<sup>®</sup> Credit Card from US Bank

B

A little complex

15.49% - 24.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature® Real Rewards Card from Radius Bank

B

A little complex

15.49% - 24.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Capital One<sup>®</sup> Quicksilver<sup>®</sup> Card - 0% Intro APR for 15 Months

B

A little complex

15.74% - 25.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

  • $0 Annual Fee
  • Foreign Transaction Fee: None
  • 15.74% - 25.74% (Variable) interest rate if balance not paid in full
  • 3% BT Fee

Overview

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Cash Rewards American Express® Card from Amplify CU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from Peoples FCU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from Philadelphia FCU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from Pine Country Bank

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express<sup>®</sup> Card from Parda FCU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature® Real Rewards Card from Amplify CU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Bonus Rewards Card from Peoples FCU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature® Real Rewards Card from Philadelphia FCU

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature® Real Rewards Card from Pine Country Bank

B

A little complex

15.74% - 24.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from A+ Federal Credit Union

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

  • No Annual Fee
  • 2% foreign exchange fee
  • 15.99% - 24.99% Variable APR if balance not paid in full
  • 3% BT Fee

Overview

Cash Rewards American Express® Card from Consumers National Bank

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from North Shore Bank

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from Northrim Bank

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express® Card from Astera CU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express<sup>®</sup> Card from Connexus CU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Cash Rewards American Express<sup>®</sup> Card from Pawtucket CU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature® Real Rewards Card from A+ Federal Credit Union

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

  • No Annual Fee
  • 2% foreign exchange fee
  • 15.99% - 24.99% Variable APR if balance not paid in full
  • 3% BT Fee

Overview

Visa Signature® Real Rewards Card from North Shore Bank from North Shore Bank

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Bonus Rewards Card from Northrim Bank

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Bonus Rewards Card from Parda FCU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Bonus Rewards Card from Pawtucket CU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature<sup>®</sup> Real Rewards Card from Connex CU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature<sup>®</sup> Real Rewards Card from Connexus CU

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Premier Rewards American Express® Card from North Shore Bank

B

A little complex

15.99% - 24.99%

Variable APR

$0 / $99

First Year Fee / Ongoing Fee

0% Intro rate for 0 mo. Balance Transfer

0% Intro rate for 0 mo. Purchase Offer

Key Terms

Overview

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