3 Best 0% Intro APR - Purchases

Those large purchases can be killer on the monthly budget. Here are three options with 0% intro APRs to help you save on interest and reap some rewards in the process. 

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear from you. Shoot us an e-mail at e-mail. Change our mind and be handsomely rewarded with some TPJ swag that will make your life more interest-ing.

Barclaycard CashForward™ World Mastercard®


  • $0 Annual Fee
  • 0% intro APR for 15 months on purchases and balance transfers,  then a 15.99% - 25.99% variable APR applies based on your creditworthiness.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Terms Apply

Complete Rewards℠ Visa® Card


  • $0 Annual Fee
  • Earn 1% Back on net purchases 
  • Redeem your rewards into a qualifying account for a 2% cash back rate
  • 0% intro APR for the first 15 billing cycles on purchases. Then, a variable APR of 16.99% - 23.99%
  • Terms Apply

Chase Freedom Unlimited®


  • $0 Annual Fee
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance
    transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

Additional 0% Intro APR Cards

Well....It looks like we have failed you and you don't think our 3 choices are the best. Here are some more cards that offer 0% intro APR on purchases.

Citi Simplicity® Card


  • $0 Annual Fee
  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness
  • Terms Apply

Discover it® - Cashback Match™


  • $0 Annual Fee.
  • 0% for 14 months on purchases and balance transfers. Then, a variable rate of 11.99% - 23.99% applies.
  • Earn 5% cash back in rotating categories each quarter like gas stations,
    Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Terms Apply.

Blue Cash Everyday® Card from American Express


  • $0 Annual Fee
  • 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% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%
  • Terms Apply

Bank of America® Cash Rewards Credit Card


  • $0 Annual Fee
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • 0% Introductory APR for 12 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
  • Terms Apply

Sphere® Credit Card


  • $0 Annual Fee
  • 0% APR on balance transfers for 24 months, then 13.49% to 23.49% APR, based on your creditworthiness
  • 0% Intro APR on purchases for the first 12 billing cycles of your account opening. After that, 13.49% to 23.49% APR, based on your creditworthiness
  • One reward point earned for every dollar spent
  • Terms Apply

Wells Fargo Platinum Visa® Card


  • $0 Annual Fee
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Terms Apply

Citi® Diamond Preferred® Card


  • $0 Annual Fee
  • Get 0% Intro APR on Purchases and Balance Transfers  for 21 months. After
    that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness
  • Terms Apply