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0% on Purchases & Balance Transfers

 0 Interest Credit Cards

Narrow your search for a 0% Purchase and Balance Transfer Credit Card

Credit cards offering 0% on balance transfers and purchases are extremely valuable when it comes to saving money on interest while paying off both existing debt and upcoming big-ticket expenses. However, there are a few things you should be aware of before applying for such a card. First of all, most 0% credit cards require above-average credit for approval, so make sure to check your credit standing before getting too deep into the application process. What’s more, you may be able to get better terms by looking separately for the best possible balance transfer credit card as well as the best possible card offering 0% on purchases. Piggybacking on that advice, if you’re intrigued by the convenience of a single card with 0% on purchases and balance transfers, keep in mind that the 0% terms must be of equal length for that approach to work. When you carry multiple balances on a single credit card, only the amount of your monthly payment above the minimum will apply to the balance with the highest regular rate. In other words, if one intro rate expires before the other, part of your payment will be inefficiently allocated and finance charges will eat away at any savings already earned. Similarly, regardless of whether you opt for a balance transfer card, a card with 0% on purchases, or one with 0% balance transfers and purchases, make sure to use a credit card calculator to determine the monthly payments required to be debt free before regular rates take effect and eliminate your savings.

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    3.5

    Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

    chase freedom credit card
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3%
    • Regular Rate 13.99% - 22.99% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 5%
    • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening.
    • 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®.
    • 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

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    Rates:
    • 0% on Purchases until September 2014
    • 0% on Transfers until September 2014 ;   Fee.....3%
    • Regular Rate 10.9% - 18.9% (V)
    Annual Fee None
    Rewards None
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    3.5

    Capital One® Cash Rewards - $100 Cash Back Bonus

    capital one no hassle cash rewards excellent credit
    Rates:
    • 0% on Purchases until June 2014
    • 0% on Transfers until June 2014 ;   Fee.....3%
    • Regular Rate 12.9% - 20.9% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1.5%
    Max Earn 1.5%
    • $100 bonus after you spend $500 on purchases within the first 3 months.
    • 50% bonus on the cash back you earn every year.
    • 1% cash back on all purchases.
    • Earn unlimited cash back that doesn't expire.
    • Redeem cash back anytime for any amount, even set automatic redemptions.

     
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    2.5

    Barclays Rewards Credit Card - Excellent Credit

    barclays rewards credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 14.99% - 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 5,000 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • Earn 5,000 Bonus points after your first purchase - enough for $50 cash back.
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.

     
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    4.5

    BankAmericard® Visa® Card

    Credit Card Application for Bank Americard
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3%
    • Regular Rate 10.99% - 20.99% (V)
    Annual Fee None
    Rewards None
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    3.5

    Barclaycard® Rewards MasterCard®

    barclaycard credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 6 months ;   Fee.....3%
    • Regular Rate 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 2,500 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • 2,500 Bonus Points after your first purchase
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.
    • No cash back limits.

     
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    4

    Citi Simplicity® Card

    Low Interest Credit Card Application from Citibank
    Rates:
    • 0% on Purchases 18 months
    • 0% on Transfers 18 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 21.99% (V)
    Annual Fee $0*
    Rewards None
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    3.5

    Citi ThankYou® Preferred Rewards Card

    citi thank you preferred credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus 15,000 points
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
    • Earn 1 ThankYou Point for every $1 you spend on all purchases.
    • Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love.
    • No expiration and no limit on the points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    2.5

    Citi ThankYou® Card

    thank you credit card
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus None
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Earn 1 ThankYou Point for every $1 you spend on purchases.
    • Enjoy no limit on the number of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    4.5

    Discover it® - 0% for 14 months on both Purchases & Transfers

    discover it
    Rates:
    • 0% on Purchases 14 months
    • 0% on Transfers 14 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the 0% on Purchases & Balance Transfers shown on this page.

    User's top rated card in this category: 4.7 / 5 - 126 votes 4.7