If you're looking for the best 0% introductory interest credit cards, you've come to the right place.  MoneyRates.com has assembled introductory purchase APR credit card offers from our partners.  These cards offer 0% on either purchases, balance transfers, or both for a specified period of time.

You might be amazed at how big a difference the right credit card offer makes. If you need to make big purchases -- or if you simply want some flexibility in your repayment schedule -- a low introductory APR credit card might be just the ticket. With a low introductory APR card offer, you get all the benefits of credit card purchasing minus the worry about mounting credit card interest payments during the promotional period. Select from the following low introductory APR cards offers and apply today.

Monthly Spend
Carry a Balance?
Card Rating
  • Unlimited 1.5% Cash Back on every purchase - no exclusions
  • Cash Back redemption is applied as a statement credit
  • $150 Cash Back Bonus2 after you spend $500 on purchases in your first 3 months from account opening
Read more
Apply Now
On Commerce Bank secure website
Purchase intro
APR: 0% Periods: 12 months
Purchase APR
Credit Needed
Excellent, Good
Annual fee
Card Rating
  • 0% APR promo balance transfer rate for 12 months, now through December 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of October 1, 2017 and subject to change.
  • No annual fee
Read more
Apply Now
On PenFed Credit Union secure website
Purchase intro
Purchase APR
8.99% to 17.99%
when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate.
Credit Needed
Annual fee
These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

0% APR credit cards

By Doresa Banning | Money Rates Columnist

How does the idea of borrowing money for free sound? Well, you can--at least for a while--with 0% APR credit cards.

As enticing as they sound, you should understand the nature of these cards before you apply for one. When used wisely, they can be great tools for making a big purchase or paying down your credit card debt. But you should always read the fine print closely, because the 0% part of the offer doesn't last forever.

A look at APR

APR, which stands for annual percentage rate, is the yearly percentage of interest you'll be charged on any revolving credit card balance. So with a 0% APR, you pay no interest on credit extended to you--until the introductory period ends and the standard APR kicks in.

Credit cards may have one APR or several APRs for different types of transaction: purchases, cash advances and balance transfers. The APR for balance transfers and cash advances is frequently higher than the APR for purchases.

As with all credit cards, there are key limitations to 0% APR cards. The most important limitation to note is that the 0% interest rate is only an introductory rate and therefore lasts only for a specific time, such as six, 12, 15 or 18 months (the minimum is six months.)

At the end of that period, the APR will increase to a level often determined by your creditworthiness--your credit score, debt, income and other factors will determine most of this. The lower your credit score, the higher your APR likely will be.

Another important limitation is that 0% rate may only apply to certain transactions such as purchases, balance transfers or possibly both. So you need to know which transactions the special rate applies to before you begin spending.

The APR after the introductory period may be a fixed rate or a variable rate. A fixed rate remains the same during the period of time outlined in your credit card agreement. A variable rate, however, can change without notice. An unexpected increase means you'll pay more interest on your balance. Sometimes a fixed-rate APR becomes a variable-rate after the introductory period ends.

Benefits of zero percent cards

You can capitalize on a 0% APR offer in three ways. You can:

The key to success with all of these strategies is to pay the entire balance before the 0% APR offer ends. By doing this, you can save considerably in the interest charges you'd pay on a card with a conventional interest rate.


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