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 best 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 332 CARD OFFERS

 
Annual Fee
Introductory Offer
Visa Signature® Real Rewards Card from Workers' CU

B

A little complex

13.99% - 22.99%

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 from Cross Valley FCU

B

A little complex

13.99% - 22.99%

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 Star Financial Bank

B

A little complex

13.99% - 22.99%

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

American Express Cash Magnet<sup>®</sup> Card

B

A little complex

13.99% - 23.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Purchase Offer

Key Terms

  • $0 Annual Fee
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • 13.99%-23.99% Variable APR if balance not paid in full

Overview

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.

Blue Cash Everyday® Card from American Express

B

A little complex

13.99% - 23.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Purchase Offer

Key Terms

  • No annual fee
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
  • Ongoing Purchase APR: 13.99%-23.99% Variable
  • BT Fee: N/A

Overview

  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Blue Cash Preferred® Card from American Express

B

A little complex

13.99% - 23.99%

Variable APR

$95 / $95

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Purchase Offer

Key Terms

  • Annual Fee: $0 introductory annual fee for the first year, then $95
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
  • Ongoing Purchase APR: 13.99%-23.99% Variable
  • BT Fee: N/A

Overview

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Platinum Edition Visa Card from Ohio Savings 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

Key Terms

Overview

Platinum Edition Visa<sup>®</sup> Card from American Saving 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

Key Terms

Overview

Platinum Edition<sup>®</sup> Card from Glacier 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

Key Terms

Overview

Platinum Edition® Visa® Card from Cadence 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

Key Terms

Overview

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

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

Visa Signature® Real Rewards Card from Flushing Bank

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

Visa Signature® Real Rewards Card from Franklin Mint FCU

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

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

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

B

A little complex

14.99% - 24.99%

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

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

C

Lots of fine print

14.99% - 25.99%

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

Bank of the West Platinum Credit Card

B

A little complex

14.99% - 22.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

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

The Farmers® Rewards Visa® Card from Comenity Bank

B

A little complex

15.49% - 22.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Colorado Rewards Credit Card from Bellco CU

B

A little complex

15.50% - 21.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

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

Visa Signature Rewards Card from University Of Wisconsin CU

B

A little complex

15.76% - 22.76%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 18 mo. Balance Transfer

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

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

Cash Back World MasterCard from Bank of the west

B

A little complex

15.99% - 22.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

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