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Time to upgrade that tiny TV? Maybe you're ready for a new couch, or planning to replace that old washer/dryer setup. No matter what you're buying, you can take some extra time to pay by using a credit card with a 0% APR period. Make the purchase(s), and you'll pay no interest charges on the balance for the entire length of the 0% period.
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The information related to Chase Freedom Flex℠, U.S. Bank Business Platinum, American Express Cash Magnet® Card, Amex EveryDay® Credit Card, Amex EveryDay® Preferred Credit Card, The Blue Business® Plus Credit Card from American Express, American Express Blue Business Cash™ Card, Capital One SavorOne Cash Rewards Credit Card, Capital One VentureOne Rewards Credit Card, and Capital One Spark Miles Select for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
Spotting 0% APR cards is easy, and you have a wealth of options. Look for features like these to help you pay off your next big purchase.
A 0% interest rate on purchases for a period of months: A 0% rate allows you to carry a balance without incurring interest, though you’ll still need to make a minimum payment each month. A longer 0% intro offer will give you more time, but remember that carrying a large balance may damage your credit scores.
A reasonable annual fee: If you just want to pay off a purchase, there are plenty of no annual fee cards with zero percent rates. If you’re looking for other features you may want a card with an annual fee, though cards with fees tend not to have 0% APRs.
Useful rewards: If you’re going to make a large purchase, having a card with rewards along with a 0% APR will put a bit of a dent in the cost.
A signup bonus: A good signup bonus can make anything more affordable, with a return on your spending far higher than the 2% or 3% you’ll get from most basic reward programs.
Good customer support and payment system: You don’t want issues when making payments, especially when paying off a large credit card debt, so we recommend going with one of the major card issuers (you’ll find cards issued by them below).
Although many of the card offers below also have 0% balance transfer APR offers, we’re focusing on 0% intro purchase APRs for this post. Check out our picks for the best balance transfer cards if you want to pay off an existing balance (rather than new purchases) over time.
Is a 0% APR Card Right for You?
You may benefit from a zero percent card if you’re planning to make a big purchase, or if you want to carry a balance for some period of time. Why pay extra charges if you don’t have to?
There are two basic types of 0% purchase interest rates (aka promotional rates), but they work the same way:
Introductory: 0% introductory APRs are offered to new cardholders, and last for a certain number of months after account opening (we’ll focus on these offers in this post)
Current cardholder incentives: 0% rates may occasionally be offered to cardholders to incentivize more spending
Many 0% APR credit cards even offer points or cash back rewards for purchases — giving you both more time to pay and rewards for your spending.
Just take note that, even for a balance at 0% APR, you’ll need to make at least a minimum payment each month. If you don’t pay by the due date, you’ll face late fees and may lose that intro APR offer, and instead be given a high penalty rate (usually 29.99%).
You’ll also want to pay your balance in full by the time the intro APR offer ends. Otherwise, you’ll start accruing interest charges at your card’s normal rate.
To make sure you pay the card off before the intro period ends, we recommend dividing your card balance by the number of months in the 0% period; that will give the monthly payment you should make. Consider dividing by one less than the number of months to pay it off a bit early.
If you can follow these guidelines, you can use a 0% card to safely and easily pay down a balance over time at no interest.
0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
Great offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
No Annual Fee*
Flexibility to choose a payment due date that fits your schedule.
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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
It’s best used to pay down one or more big purchases. While you’re at it, you can take advantage of a few handy shopping and traveling benefits, like extended warranty protection, but there aren’t any other major perks.
0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% – 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi®Identity Theft Solutions.
The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
No Late Fees, No Penalty Rate, and No Annual Fee… Ever
0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Purchase APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
Balance Transfer APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
Balance Transfer fee: 3%, $5 minimum
Yup, the Citi Simplicity® Card (Review) is simple. If you don’t need much other than a long intro rate, the Simplicity provides, and you’ll never have to worry about late fees or a penalty APR if you slip up and miss a payment. But try not to do that, because it can hurt your credit.
Purchase APR: 0% for 18 months from account opening, then 16.49%-24.49% Variable
Balance Transfer APR: 0% for 18 months on qualifying balance transfers, then 16.49%-24.49% Variable
Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5
Like most cards in its class, the Wells Fargo Platinum card (Learn More) (Review) isn’t too exciting beyond the introductory period. But it does have a fairly comprehensive set of shopping and travel protections.
Purchase APR: 0% for 18 months, then 12.99–20.99% Variable
Balance Transfer APR: 0% for 18 months, then 12.99–20.99% Variable
Balance Transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
The HSBC Gold Mastercard® Credit Card (Review) delivers a long intro rate, for purchases and balance transfers. Like most 0% cards there are no rewards, and you’ll get a few decent perks like FICO score access and protection benefits. But a nice feature of this card is the lack of foreign transaction fees, giving you a good payment option for overseas travel.
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
Earn unlimited 1.5% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
$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 Cash Wise Visa® card
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Select “Apply Now” to learn more about the product features, terms and conditions
Purchase APR: 0% for 15 months from account opening, then 14.49%-24.99% Variable
Balance Transfer APR: 0% intro APR for 15 months on qualifying balance transfers, then 14.49%-24.99% Variable
Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5
The Wells Fargo Cash Wise Visa® card (Learn More) (Review) is a flat-rate cash back card with an intro rate, like many others, but it also offers a little bonus for mobile wallet spending in the first year.
Purchase APR: See Terms for See Terms, then See Terms
Balance Transfer APR: See Terms for See Terms, then See Terms
Balance Transfer fee: See Terms
You’ll have a pair of great features with the Discover it® Cash Back (Review): A nice intro rate plus excellent 5% cash back categories, which rotate every three months. You’ll need to activate those categories, and you’re limited to $1,500 in spending per quarter at the 5% rate.
Purchase APR: 0% for 15 billing cycles on purchases, then 9.99%-17.99%* Variable
Balance Transfer APR: 0% for 15 billing cycles on balance transfers*, then 9.99%-17.99%* Variable
Balance Transfer fee: 3%
Many business cards don’t offer 0% rates, and most of those aren’t for longer than a year. But the U.S. Bank Business Platinum breaks the mold by offering an exceptionally long 0% period for purchases (and balance transfers). There’s not much else to it, but if you need some extra time to pay it could be just what you need.
Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
Balance Transfer APR: 13.24% - 19.24% Variable
Balance Transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
If you’re paying for internet and phone services each month, the Ink Business Cash® Credit Card (Review) can provide a significant 5% cash back on all that spending. Couple that with the same great rate for office supplies, along with the intro APR, and you’ve got a seriously useful card.
$200 cash rewards bonus for spending $1,000 in the first 90 days
New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
No changing categories and no expiration on rewards
0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99%–23.99% Variable APR. 3% fee (min $10) applies to balance transfers.
If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. Click “Apply Now” to learn more about Preferred Rewards.
Now with chip technology for enhanced security and protection at chip-enabled terminals
If you carry a credit card balance from month to month, you’ll usually accrue interest (based on your credit card’s APR).
But if you have a 0% APR on that balance, no interest will accrue.
That means you can pay down the balance over time, month by month, without seeing it grow from interest charges. This is a great way to pay off large purchases because you get some extra breathing room, but without being charged extra.
It’s simple. When your credit card’s 0% purchase APR period is over, any purchases you make will begin accruing interest at the regular APR, which is usually pretty high — but only if you carry the balance from month to month.
So, when the 0% rate runs out, pay your statement balance in full and on time each month. This will prevent your purchases from accruing interest, and it can also help boost your credit scores if you’re keeping your credit utilization low.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.
For rates and fees of the American Express Cash Magnet® Card, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
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