The Ultimate Guide to Credit Cards
Friday, September 25, 2020

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:

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • 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 travel purchased through Chase, 3% on dining at restaurants 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

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 15.49% - 25.49% 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
15.49% - 25.49% (Variable)
$0
Excellent, Good

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • 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; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
Wells Fargo Platinum Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Introductory 0% APR for 18 months from account opening on purchases and balance transfers (3% balance transfer fee applies)
  • Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, and cell phone protection
  • My Money Map – tools to help you manage spending and create a budget with ease
  • Access to your FICO® Credit Score with Wells Fargo Online®
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.49% - 24.49%
$0
Good
Wells Fargo Cash Wise Visa® Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

4.6/5.0
  • Unlimited 1.5% cash back on purchases
  • Earn a $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Introductory 0% APR on purchases and balance transfers for 15 months from account opening
  • Account protections such as 24/7 Fraud Monitoring, Alerts, and Zero Liability protection for promptly reported unauthorized transactions
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.49% - 24.99%
$0
Good/Excellent
Cash Magnet® Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • Unlimited 1.5% cash back on every purchase
  • Earn $150 back after you spend $1,000 in purchases on your new card in your first 3 months. You will receive the $150 back in the form of a statement credit.
  • 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR
  • 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%
$0
Good/Excellent
Chase Freedom Flex℠ Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

4.9/5.0
  • 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 travel purchased through Chase, 3% on dining at restaurants 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
Wells Fargo Visa Signature® Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • Earn 5X rewards points for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases -- points expire after 5 years
  • Rewards have 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)
  • Introductory 0% APR on purchases and balance transfers for 15 months from the date of account opening
  • Access your FICO® Credit Score with Wells Fargo Online®
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
12.49% - 25.49%
$0
Good
Amex EveryDay® Credit Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • Earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X) and 1X points on other eligible purchases
  • Earn 10,000 Membership Rewards® points after you spend $1,000 in qualifying purchases on the card within your first 3 months of card membership
  • Use your card 20 or more times on purchases in a billing period and earn 20% more points on those purchases (less returns and credits)
  • 0% introductory APR for the first 15 months from the date of account opening
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
12.99% - 23.99%
$0
Good
Wells Fargo Rewards® Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.4/5.0
  • Earn 5X rewards points for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases - points expire after 5 years
  • Introductory 0% APR on purchases and balance transfers for 15 months from account opening
  • Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more
  • Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, card and account activity alerts, and cell phone protection
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
12.49% - 25.49%
$0
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.