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0% APR Cash Back Credit Cards

0 apr cash back credit cards

Some people like credit cards that combine a 0% APR on purchases with the ability to earn cash back rewards because such cards allow them to keep their money in the bank longer and thereby earn interest on what would have been their monthly credit card payments while simultaneously garnering cash back on every purchase they make. The 0% APR credit cards with cash back that are listed on this page are ideal both for this purpose and for earning rewards on specific big-ticket purchases that cannot be paid for in full in a single billing period. However, you must be especially wary of spending more than you can afford to pay back with a cash back card with no interest, as it is common for the allure of rewards to increase consumers’ spending, especially when the fear of monthly finance charges is absent. In light of the fact that high interest rates take effect at the conclusion of a 0% intro term, you must ensure your ability to pay down your balance within the introductory period of the 0% APR cash back credit card you decide to apply for. Lastly, if your motivation in opening a cash back credit card with 0% interest is to transfer a balance, you unfortunately will not be able to earn rewards on such a transaction, as the balance transfer rewards credit card page explains in greater detail.

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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

     
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    4

    Blue Cash Preferred® from American Express

    blue cash preferred credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $150
    BASE EARN 1%
    MAX EARN 6%
    • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    3.5

    Citi® Double Cash Card

    citi cashreturns mastercard
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 2%
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

     
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    3.5

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS until June 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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    4

    Blue Cash Everyday® Card from American Express

    blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 3%
    • Get $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    3

    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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    4

    TrueEarnings® Card from Costco and American Express

    costco credit card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 3%
    • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
    • You will receive your cash back annually in the form of a reward coupon
    • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
    • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
    • Terms and restictions apply.

     
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    3

    Pink Ribbon Credit Card

    pink ribbon credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 3%
    • Get a $100 cash rewards bonus after making $500 in purchase(s) within the first 90 days.
    • 1% cash back on every purchase.
    • 2% on groceries and 3% on gas for the first $1,500 in combined gas and grocery purchases each quarter.
    • Choose how you want to receive your cash. Have it deposited into any checking or savings account, credited to your statement or sent directly to you.
    • Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.

     
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    4

    Discover it® Credit Card

    discover it credit card
    • 0% PURCHASES 14 months
    • 0% TRANSFERS 14 months ;   Fee.....3%
    • REGULAR RATE 10.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 5%
    • Get 5% Cashback Bonus on up to $1,500 in Online Shopping and Department Store purchases from October through December 2014.
    • Earn 1% cash back on all other purchases.
    • Get 5-20% cash back at 200+ online retailers like Apple Store, Macy's and BestBuy.com through ShopDiscover.com
    • Choose from millions of items at Amazon.com and Pay with Cashback Bonus. $1 cash back = $1 at checkout

     
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    4

    Dollar Bank Valued Customer Visa® Credit Card

    dollar bank valued customer visa credit card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS 6 months ;   Fee.....1% (max $150)
    • REGULAR RATE 12.24% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.25%
    MAX EARN 1.25%
    • Earn a 1.25% cash back rebate on card purchases.

     
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