The Ultimate Guide to Credit Cards
Wednesday, September 22, 2021

10 Best No-Interest “0% on Purchases” Credit Cards

0 On Purchases Credit Cards

credit card advice

Toby Sembower
By: Toby Sembower
Updated: March 5, 2020
Advertiser Disclosure

Credit card issuers are known to offer a number of amazing perks to attract and retain new credit card customers — free air miles, cash back, you name it. One of the most underutilized of these perks is the “0% APR on purchases” feature offered by many of the top issuers.

What does that perk mean exactly? A 0% on purchases introductory APR simply means when you make purchases on a card, the issuer will not begin accruing interest on those amounts until after a predetermined number of months has passed, usually 12 or 15 months. So, when it comes to offers of 0% on purchases, credit cards can be handy tools to finance larger purchases without having to pay all the interest that generally comes with utilizing your credit.

Which Cards Offer “0% on Purchases”?

Without further ado, here are our staff’s picks for the best 0% purchase APR deals:

Wells Fargo Platinum card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% intro APR for 18 months from account opening
0% intro APR for 18 months on qualifying balance transfers
16.49%-24.49% (Variable)
$0
Good/Excellent
Wells Fargo Active Cash℠ Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% intro APR 15 months from account opening
0% intro APR 15 months from account opening
14.99%-24.99% Variable APR
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Cash Magnet® Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn $200 back after you spend $2,000 in purchases on your new card in your first 6 months. You will receive the $200 back in the form of a statement credit.
  • Unlimited 1.5% cash back on every purchase
  • 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR applies
  • Rental car loss and damage insurance when you use your eligible card to reserve and pay for the entire rental and decline the collision waiver at the rental company counter
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
13.99% - 23.99% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • One-time $200 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; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
14.99% - 24.99% (Variable)
$0
Excellent, Good
Discover it® Cash Back Review

at Discover Card'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
14.99% - 24.99% (Variable)
$0
Excellent, Good
Chase Freedom Flex℠ Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
PGA TOUR® Customized Cash Rewards credit card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.4/5.0
  • Get a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • For the golf enthusiast, receive two (2) tickets to the PGA TOUR® event of your choice if you make at least $95 in transactions in the first 90 days of account opening (students not eligible)
  • Earn 3% cash back in the category of your choice: gas, online shopping, drug stores, home improvement & furnishings, dining or travel and automatic 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Exclusive Access to TPC golf Courses – Receive VIP membership treatment and other membership Amenities
  • Exclusive Access to Participating Private/Public/Resort TPC golf Courses. You and three (3) friends will receive VIP membership amenities, i.e. special booking windows; no hotel stay required
  • 20% off regularly-priced golf shop merchandise and discounted green fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
13.99% to 23.99%
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 15 months on Purchases and Balance Transfers
0% Intro APR Period 15 months on Purchases and Balance Transfers
13.49% - 23.49% Variable
$0
Excellent, Good

How to Use 0% Purchase Credit Cards

Applying for one of the above cards is easy: simply click the “Apply Now” button next to your card of choice and you’ll be forwarded to the issuer’s secure online application. Most issuers will offer a fast online response to your application to let you know whether you’ve been approved.

Once you receive your card, there is one cardinal rule to make these “0% on purchases” deals worthwhile. Are you ready for it?

  • Be sure to pay off your balance before the end of your intro period.

Got that? Great!

This will ensure that interest does not start piling up on your purchases, which would make them much more difficult to pay off as the months go by.

Final Thoughts

We always recommend that when applying for a credit card, you read the terms and details to ensure it’s the right offer for you. The same goes for 0% intro deals: to ensure you’re getting a great deal, pay close attention to when the intro APR will expire so you can plan on making your payments accordingly.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.