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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HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% Introductory APR on balance transfers for the first 18 months from account opening 0% Introductory APR on credit card purchases for the first 18 months from account opening Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period None Be the first to write one

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

  • Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on cellular, gas stations and office supply store net purchases
  • 1% cash back on other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* N/A 0%* for 9 billing cycles on purchases* 13.99%-24.99%* (Variable) Cash Back Be the first to write one

American Express Cash Magnet™ Card

  • Earn up to $250 back. Here's how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • With Plan It℠, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 0% on balance transfers for 15 months 0% on purchases for 15 months 14.99%-25.99% Variable Cash Back Be the first to write one

U.S. Bank Business Platinum

  • 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
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* 0%* intro on BTs for 12 billing cycles on balance transfers* 0%* for 12 billing cycles on purchases* 11.99%-19.99%* (Variable) None Be the first to write one

U.S. Bank Business Select Rewards

  • Earn 20,000 bonus points after you spend $1000 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on other net purchases
  • No cap on total points you can earn
  • No annual fee*
  • Net purchases are purchases minus credits and returns
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* N/A 0%* for 9 billing cycles on purchases* 13.99%-24.99%* (Variable) Flexible Options Be the first to write one

The Amex EveryDay® Credit Card from American Express

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • 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.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% on balance transfers for 15 months 0% on purchases for 15 months 14.99%-25.99% Variable Other 1

Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% on Balance Transfers for 15 months 0% on Purchases for 15 months 14.99%-25.99% Variable Cash Back 14

Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $95 0% on balance transfers for 12 months 0% on purchases for 12 months 14.99%-25.99% Variable Cash Back 3

ABOC Platinum Rewards Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
  • Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
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 months* 0% for 12 months* 14.90%* - 24.90% (Variable)* Flexible Options Be the first to write one

Amalgamated Bank of Chicago Union Strong Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V) 
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
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 months* 0% for 12 months* 11.25% (Variable)* Flexible Options Be the first to write one