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0% on Purchases & Balance Transfers

0 Interest Credit Cards

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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    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS until May 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.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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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 July 1 and September 30, 2014 at gas stations and Kohl'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
    • 0% PURCHASES until November 2015
    • 0% TRANSFERS until November 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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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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    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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    2.5

    Citi ThankYou® Preferred Card – Low Intro APRs

    thank you credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Points
    BONUS None
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    4

    Blue Sky from American Express®

    blue sky credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 17.24% - 22.24% (V)
    ANNUAL FEE $0
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 1 point / $1
    • Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward airline tickets, hotel stays and other type of travel.
    • Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
    • Terms and Restrictions Apply.

     
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    0

    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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    4

    Citi Simplicity® Card

    citi simplicity credit card
    • 0% PURCHASES 18 months
    • 0% TRANSFERS 18 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE $0*
    REWARDS None
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    COMMUNITY DISCUSSION

    Help others find the best 0% on purchases & transfers by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    June 23, 2014
    Photo of Jennifer H.
    By: Jennifer Hammond-Snow
    I have a Chase Freedom card and I really like it. There is 0% interest until August 2015. I love the cash back and the different categories. I also linked it to my checking account so it is easy and simple to pay every month. It really has helped my credit score and helped me with budgeting. The only downside is that you have to sign up each quarter to get the new bonus categories. I think it should be automatic.
    May 29, 2014
    Photo of Al P.
    By: Al Paden
    I actually have a Capital One Quicksilver Cash Rewards Credit Card and I love it. I use it to make purchases for items that I know I can pay, but do so because it helps me with my credit. I love the fact that it has a 0% fee on APR. For somebody like me, it works perfectly. But then again, I also pay all my bills on time anyway.
    February 10, 2014
    Photo of Sophie O.
    By: Sophie Ogasawara-Neko
    I have been using the Kroger 1-2-3 Rewards Visa card primarily because my family and I shop at Kroger frequently, and we are able to use it to take advantage of Kroger's deals, without having a separate customer loyalty card. I really only use it to buy groceries and little else, but it's fine for that and it's a great way to keep my credit inching upward.
    January 28, 2014
    Photo of Susan C.
    By: Susan Clark
    I took advantage of Citi Bank's 0% introductory offer and have had a great experience with the company. I originally thought the terms included a six month introductory period, but it actually turned out to be 12 months. I was very pleased when I learned this. The card offered a small credit limit, which I preferred over some of the other companies that offer more credit than a person should have. The statements come on time and are consistent. During the introductory period, there of course, was no interest charged at all, regardless of the balance. The minimum payments also remain low during this introductory period. I recently looked into their reward program and found that it mostly offered discounts rather than free products. I was a little disappointed with that, however the benefits have been great overall.