CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

0% Intro APR on Purchases

0% Intro APR on Purchases

Save Money with 0% Intro Purchase APR Credit Cards
Compare 0% Introductory Purchase APR credit cards from our partners and apply online.

Read more about: 0% Intro APR

Share this on Facebook Tweet this

How to Choose the Best 0% Introductory Purchase APR Credit Card

You know you plan on carrying a balance and that a card with a 0% introductory purchase APR is right for you. But which one? Here are three factors to consider:

Flexible Payments
If you plan on making a large purchase and want to minimize the interest you’ll be charged, look for a credit card with the longest 0% introductory APR on purchases. Many introductory periods last for 6 or 12 months, but some are up to 18 months long.

Extended Warranty
If you want the peace of mind of an extended warranty on eligible items, use a credit card with extended warranty benefits. Read our guide on Buying, Repairing, Operating and Financing Home Appliances for insight.

Earn Rewards
If you want credit card rewards, it's hard to beat cash. Look for a 0% intro APR credit card with cash back.

Disclaimer: Opinions expressed here are those of the author's alone. Please support CreditDonkey on our mission to help you make savvy financial decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.


Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Our Review: If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.49% - 23.49% Variable
$0

The Amex EveryDay Credit Card from American Express
Read ReviewApply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 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. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards$0 Fraud Liability
Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the Amex EveryDay® Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.49% - 23.49% Variable
$0

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Our Review: If you are looking to get cashback rewards on common household categories like gas and groceries, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.49% - 23.49% Variable
$95

The Amex EveryDay Preferred Credit Card from American Express
Read ReviewApply for The Amex EveryDay Preferred Credit Card from American Express
At American Express' Secure Site
  • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGas RewardsGrocery Rewards$0 Fraud Liability
Our Review: If you have excellent credit and use your credit card daily, the Amex EveryDay® Preferred Credit Card from American Express is worth considering. Read this review to see why it's worth the $95 annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.49% - 23.49% Variable
$95

Blue for Business Credit Card from American Express
Read ReviewApply for Blue for Business Credit Card from American Express
At American Express' Secure Site
  • Limited Time Offer: 10X points at U.S. restaurants for the first six months, on up to $2,000 in purchases. Offer expires 02/01/2017.
  • 2X points on all qualifying purchases on the first $50,000 for the first year. That's an additional 1 point per dollar spent on purchases.
  • 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership.
  • Get a 30% annual points bonus based on the past year's purchases on your Blue for Business Card.
  • 0.0% introductory APR on purchases for 12 months, then a variable rate, currently 11.74%, 15.74% or 19.74%, based on your creditworthiness as determined at the time of account opening.
  • No Annual Fee
  • Terms & Conditions Apply
  • See Rates & Fees
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsDiscount$0 Fraud Liability
Our Review: Blue for Business® Credit Card from American Express combines everyday rewards with opportunities to cash in on your loyalty. Keep reading to find out what makes this Amex credit card a right pick for growing businesses... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
11.74% - 19.74% Variable
$0

U.S. Bank Business Edge Platinum
Apply for U.S. Bank Business Edge Platinum
At U.S. Bank's Secure Site
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 billing cycles*
0%* for 12 billing cycles*
10.49% - 18.49%* (Variable)
$0*

SimplyCash Plus Business Credit Card from American Express
Read ReviewApply for SimplyCash Plus Business Credit Card from American Express
At American Express' Secure Site
  • For a limited time, earn even more cash back: Earn up to $500 cash back as statement credits.
  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsOffice RewardsDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance$0 Fraud Liability
Our Review: Do you want a simple way to earn cash back with no annual fee? True to its name, the SimplyCash® Plus Business Credit Card from American Express helps small-business owners earn cash back on purchases without having to think much about it. And they can get bonus cash back for purchases in specific categories, which we’ll discuss below... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
12.74% - 19.74% Variable
No annual fee

You might also be interested in

    Credit Card Promotions

    American Express Credit Card Offers

    American Express now offer promotions for new credit card applicants. But how do you pick which deal is right for you? Read this in-depth 2016 guide.

    Credit Card Deals

    Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Credit Card Rewards

    So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

Articles on 0% Intro APR on Purchases

    Holiday Layaway 2013

    By Lori D - Tips
    Many Americans are taking a cautious, wait-and-see approach to holiday shopping this year. Still recovering from a down economy and the federal government's partial shutdown, not all shoppers are ready to open their wallets without some major deals.
    Infographics: Winter Jacket

    Buying a Winter Jacket

    By Annette O'Connor - Tips
    As another La Nina winter approaches, CreditDonkey guide on winter jackets helps families stay warm and on budget this winter.

You might also be interested in



About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.