0% Intro Apr Credit Cards


Along the lines of our selection of Low APR credit card offers, the following selection revolves exclusively around credit card applications that emphasize 0% introductory annual percentage rates, which will most often feature 0% APR bonuses for the first six months of signing, to as far as no annual percentage rate for up to 18 months or more-- if you're a first time credit card applicant or a small business owner that hopes to get your foot in the door with minimal initial investment during your first year of credit card use, these options and applications can provide the financial edge you need to make those crucial first few months of investment count for as much as possible.

In addition to these 0% Intro APR packages, you can read through our list provided below for a selection of the best overall credit card offers based on the quantity of exclusive rewards programs offered, 0% APR credit card applications based on the overall quality of participating banks, the best introductory packages for those with fair to good credit scores, and much more. Be sure to check out our featured cards below for the best card deals currently being offered, as well as a selection of user reviews on the credit card applications provided for key insight into positive long term experiences from consumers, factors to take into consideration and more.

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Bank of America® Customized Cash Rewards Credit Card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0.00% for 15 billing cycles* 0% Intro APR for 15 billing cycles on purchases 13.99%* - 23.99% (Variable)* Cash Back 4

Capital One® VentureOne® Rewards Credit Card

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0.00% for 15 months* 0% for 15 months* 14.99%* - 24.99% (V)* Airlines 6

Blain's Farm & Fleet Rewards Mastercard®

Life can be more rewarding with the Blain’s Farm & Fleet Rewards Mastercard. Earn rewards on purchases you already make. Not only at Blain’s Farm & Fleet, but at gas stations, grocery stores, and everywhere else. For larger Blain's Farm & Fleet purchases low promotional special financing is available.
 
  • 3 POINTS per $1 spent At Blain's Farm & Fleet*
  • 2 POINTS At Gas Stations & Grocery Stores
  • 1 POINT Everywhere Else
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Consumer $0* N/A 0% for 12 billing cycles* 21.49% (Variable)* Store 1

BMW World Mastercard®

  • 4X points per $1 spent on eligible BMW purchases*
  • 3X points per $1 spent on eligible gas station purchases
  • 2X points per $1 spent on eligible restaurant purchases
  • 1X point on all other eligible purchases
  • Welcome Offer: 5,000 bonus points after you spend $500 in net purchases within the first 90 days of account opening*
  • 0% intro APR on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 15.24% - 24.24%.*
  • $0 annual fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0.00% for 12 billing cycles* 0% for 12 billing cycles* 15.24%* - 24.24% (Variable)* Automotive Be the first to write one

The ATU Credit Card - Cash Rewards

  • 1.5% cash back on every purchase
  • + $0 annual fee
  • 0% Intro APR for the first 12 months on purchases and Transfers; 12.9%-22.74% variable APR after that; 3% fee for each transfer that posts to your account within the first 12 months.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0* 0.00% for 12 months* 0% for 12 months* 10.9%* - 20.9% (V)* Cash Back Be the first to write one