A Penny For You

Marketing Disclosure

3 Best 0% Intro APR on 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.

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 16.74% - 25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

The Amex EveryDay® Credit Card


  • $0 Annual Fee
  • Low Intro APR on purchases and balance transfers for 15 months.
  • 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.
  • Transfer points to hotel and airline travel partners, or redeem through AmEx travel
  • Terms Apply

Discover it® Cashback Match™


  • $0 Annual Fee.
  • 0% for 14 months on purchases and balance transfers. Then, a variable rate of 13.99% - 24.99% 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.

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.

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 17.24% - 24.24%
  • Terms Apply

Blue Cash Everyday® Card


  • No 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.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.



    Sphere Credit Card


    • $0 Annual Fee
    • 0% APR on purchases and balance transfers for 18 months, then a variable 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 15 months on purchases and balance transfers, then a 17.49% - 26.99% variable APR; balance transfer fees apply
      • Terms Apply

      Quicksilver® Cash Rewards


      • No Annual Fee
      • Earn unlimited 1.5% cash back on every purchase, every day
      • Terms Apply