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0% on Purchases & Balance Transfers

5.0 5.0 - 95 reviews for top rated 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…show more

    Chase Freedom® - $200 Bonus


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $200
    • Earn Rate 1% - 5% cash back
    • For a limited time, earn a $200 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

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 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.

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Citi® Double Cash Card


    citi cashreturns mastercard
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • 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

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 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

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNone Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 2015None Fee
    • Regular Rate 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $39
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1.5% cash back
    • 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

    Citi® Diamond Preferred® Card


    citi diamond preferred card visa
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 11.99% - 21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Blue Cash Preferred® from American Express


    blue cash preferred credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $75
    • Rewards Cash Back
    • Initial Bonus $100 + 1yr of Amazon Prime
    • Earn Rate 1% - 6% cash back
    • Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three 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: 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 limitations apply.
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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.)

     
    October 22, 2014
    Photo of Nick T.
    By:
    When I opened my Capital One Platinum Prestige credit card, there was promotional deal I got which offered 0% APR on purchase and balance transfers. It was fantastic having these perks, and even after the deal ended, my APR continues to be low. I make many day to day charges on this card.
    October 5, 2014
    Photo of Marino J.
    By:
    I've used the Citi Diamond Preferred Card with 0% intro APR for 18 months. One thing I would change is to extend this 0% APR longer. That would be nice.
    June 23, 2014
    Photo of Jennifer H.
    By:
    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:
    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:
    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:
    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 more