Best Credit Cards with 0% APR for Purchases

By Jason Steele. Last updated 11 October 2018. 0 comments

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If you've got a big purchase planned (or a bunch of small ones), and you don't think you can pay it off within the month to avoid interest charges, you might consider a credit card that offers a promotional 0% APR on purchases. This will give you some time to pay off your new purchases without the stress of interest charges building up. Here are the best credit cards that currently offer 0% intro APR on new purchases.

Bank of America® Cash Rewards credit card

The offers 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers. You also get 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined purchases each quarter, and 1% cash back on other purchases. Bank of America® customers can earn a 10% bonus when redeeming cash back into a Bank of America® checking or savings account. New cardholders also earn a $200 bonus after spending $500 on the card in the first 90 days of account opening. There is no annual fee for this card. 

Citi Simplicity® Card - No Late Fees Ever

The  from our partner Citi, offers 0% intro APR on purchases for 12 months and on balance transfers for an impressive 21 months! After the intro period, the variable APR will be 15.99%-25.99%. While there is a balance transfer fee of $5 or 5% of the amount of each transfer (whichever is greater), this card has no late fees, no penalty APR, and no annual fee. Simple, right?

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