Chase Cards Will Receive 5x or 10x on All Lyft Rides (CSR – 10x and Pink; Other Cards – 5x)

Update 10/31/21: Most other Chase cards have now been added for this 5x/5% benefit on Lyft through March 31, 2022. Most of them have a $5,000 limit whereas the original Sapphire and Freedom cards (which have had this offer for more than a year) don’t have a limit. You can check your card at this link to see if it has the benefit.

Original Post 1/8/2020:

Lyft has announced that beginning January 12, 2020, many Chase cards will receive either 5x or 10x on all Lyft spend.

Direct Link to offer

  • Chase Sapphire Preferred, Chase Freedom, Freedom Unlimited, Freedom Student and Ink cardmembers will receive 5x total Ultimate Rewards points or 5% cash back on Lyft rides.
  • Chase Sapphire Reserve cardmembers will earn 10x total points on Lyft rides. Plus, each account will get one free year of Lyft Pink.

These bonus rates will continue through March 2022. The wording indicates that the 5x is NOT in addition to regular rewards, it’s 5x/10x total. It also indicates that the Lyft Pink membership for Sapphire Reserve cardholders is a one-year benefit, not an ongoing benefit.

Benefits by card: 

Chase Sapphire Reserve: 

  • 10x total points on Lyft Rides

  • 1 year of complimentary Lyft Pink membership per account (business profile is not eligible)

Chase Sapphire Preferred, Sapphire, Ink Preferred, and Ink Plus: 

  • 5x total points on Lyft Rides

Chase Freedom, Student, and Unlimited: 

  • 5% total cash back on Lyft rides

Chase Ink, Cash, Business, and Unlimited:

  • 5% total cash back on Lyft rides

Chase also introduced a new Doordash benefit on the Reserve and other cards. We reported yesterday on all of the upcoming changes to the Sapphire Reserve which includes the fee increase from $450 to $550 and these Lyft and Doordash benefits.

Source: doctorofcredit.com

Redeem Chase Ultimate Rewards For Apple Products with up to 50% Bonus Value (11/1 – 11/30)

Update 11/1/21: Deal is back and valid 11/01/2021 – 11/30/2021

The Offer

Direct Link to offer (shows in the Ultimate Rewards login)

  • Chase released today a new redemption option of Ultimate Rewards points to get Apple merchandise through the Chase portal with bonus value of up to 50% more on the points.

The bonus is broken down as follows:

  • Sapphire Reserve: 50% bonus
  • Sapphire Preferred: 25% bonus
  • INK Preferred/Plus: 25% bonus
  • Freedom cards and the no-fee Sapphire card: 5% bonus (20% on Airpods)
  • Ink Cash/Unlimited: 5% bonus (20% on Airpods)

Instead of each point being worth 1 cent, it can now worth up to 1.5 cents. For example, if you buy a $600 Apple Watch through the Ultimate Rewards portal, it would typically cost 60,000 Ultimate Rewards points, but it’ll now cost just 40,000 points for Sapphire Reserve cardholders.

The Fine Print

  • Limited-Time Offer for Chase Sapphire Reserve cardmembers: From 10/15/2020 – 11/15/2020, each point you redeem for Apple merchandise in the Apple® Ultimate Rewards® Store is worth $0.0150, which means that 100 points equals $1.50 in redemption value. If you choose to use points and your Chase Sapphire Reserve credit card to pay for your purchase, your credit card will be charged the full remaining dollar amount. For example, if you choose to buy Apple merchandise at $120 at $1.50 redemption value and pay for half using points, you would use 4,000 points and your credit card would be billed $60.
  • Limited-Time Offer for Chase Freedom cardmembers: From 10/15/2020 – 11/15/2020, each point you redeem for AirPods in the Apple® Ultimate Rewards® Store is worth $0.0120, and each point you redeem for all other Apple merchandise in the Apple® Ultimate Rewards® Store is worth $0.0105 which means that 100 points equals $1.20 in redemption value towards AirPods and 100 points equals $1.05 in redemption value towards all other Apple merchandise. If you choose to use points and your Chase Freedom credit card to pay for your purchase, your credit card will be charged the full remaining dollar amount. For example, if you choose to buy Apple AirPods at $160 at $1.20 redemption value and pay for half using points, you would use 6,667 points and your credit card would be billed $80; if you choose to buy $120 Apple merchandise at $1.05 redemption value you would use 5,714 points and your credit card would be billed $60.
  • Readers report that iPhones don’t seem to be included.

Our Verdict

For most people, using the Pay Yourself Back feature will make more sense to get the same 1.5%/1.25% value assuming you have enough grocery/dining spend to use up your points on. But overall it’s still nice to have an additional option and could be useful for someone with an Apple purchase to make. It also could be a little bonus for Freedom cardholders to bump up their earnings by 5% or 20% for Airpod purchases or for INK cardholders who don’t have advertising expenses.

Source: doctorofcredit.com

Chase Freedom: Earn 5% On Your Top Category (Or 9% On PayPal) Up To $1,500 In Spend

Update 2: According to the media rep that originally sent us this offer this is only available to Freedom Flex cardholders and not vanilla Freedom cardholders. This seems to make sense as the offer only shows up on the Freedom Flex F.A.Q and not the vanilla Freedom F.A.Q.

Update: I’ve updated to make post clearer and to try and answer a few F.A.Q’s. Very possible some information is still inaccurate as this promotion isn’t exactly clear. It might make sense to wait a few days until we can get all of the questions answered and the promotion is clear.

The Offer

Direct link to offer

  • Chase is offering Freedom cardholders 5% cash back on up to $1,500 in total spend on the category they spend the most in from October 1 – December 31, 2021. If this category already earns 5% from the rotating categories you’ll earn 9% total cash back. You must be enrolled in the rotating categories offer to be eligible for this bonus.

The Fine Print

  • This offer is separate from your quarterly bonus category offer, but automatically added to your account when you activate your Q4 bonus categories. You’ll earn 5% cash back on up to $1500 in total spend in the eligible rewards category where you spend the most from October 1 – December 31, 2021. That’s 4% additional cash back on top of the 1% cash back per $1 USD spent that you earn on all purchases.

Our Verdict

Eligible categories include: travel (including transit), dining, home improvement stores, select streaming services, select live entertainment, gas stations, drugstores, fitness clubs, grocery stores (not including Target and Walmart purchases). It seems that PayPal itself is not an eligible category for the additional 5%, but it will pass the merchant code back (e.g if you make a purchase at a grocery store but pay using PayPal). PayPal is a 5% rotating category this quarter and these two promotions stack (total of 9% cash back [1% base rate plus two 4% bonuses]). This should be relatively easy to maximize for most people.

Seems people have a lot of questions regarding this, so some F.A.Q’s:

  • I’ve already maxed out my quarterly 5% category, what happens? The terms state this promotion started on October 1 through December 31, 2021 so you should automatically earn 9% on the purchases you’ve already made. Just keep in mind the spend needs to be in one of the eligible top categories (see above) to be eligible. I think most people will probably need to complete more spend unfortunately.
  • Does this apply to Chase Freedom cardholders, or only Chase Freedom Flex cardholders? According to the media rep that sent us this deal, it only applies to the Freedom Flex card and not the Freedom card,

Source: doctorofcredit.com

How Chase Freedom Flex cardholders can earn up to 9% cash back this quarter – The Points Guy


Chase Freedom Flex promotion this quarter can get you 5% cash back on your top spend category – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

[In Branch]Chase Freedom Flex/Freedom Unlimited: $250 Bonus + 5% Back On Groceries (Up To $12k) First Year

The Offer

No direct link to offer. Available in branch only

  • Chase is offering an additional bonus on the Chase Freedom Flex and Chase Freedom Unlimited cards. You can currently get the standard $250 sign up bonus after $500 in spend and in additional the card will earn 5% cashback on all grocery store purchases in the first year up to $12,000 in spend

Card Details

Freedom Flex

  • No annual fee
  • Card earns the following points rates:
    • 5% on rotating Quarterly Categories on up to $1,500 in total purchases (e.g. Q4 2020 will be PayPal and Walmart)
    • 5% on Travel purchased through Chase Ultimate Rewards
    • 3% on Dining 
    • 3% on Drugstore 
    • 5% on Lyft through March 2022
    • 1% unlimited cash back 

Freedom Unlimited

  • No annual fee
  • Card earns 1.5% cash back on all purchases

The Fine Print

Freedom:

  • 5% Back in the grocery store category (excluding Walmart and Target) until the earlier of the end of your first 12 months or first $12,000 spent: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases in the grocery store category (excluding Walmart and Target) made within your first 12 months from account opening, or until you reach $12,000 in grocery store purchases, whichever occurs first (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). The additional 4% Cash Back rewards will appear on your billing statement in a separate line from the base 1% Cash Back rewards.

Freedom Unlimited:

  • 5% Cash Back in the grocery store category (excluding Walmart and Target) until the earlier of the end of your first 12 months or first $12,000 spent: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases in the grocery store category (excluding Walmart and Target) made within your first 12 months from account opening, or until you reach $12,000 in grocery store purchases, whichever occurs first (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the base 1.5% Cash Back rewards.

Our Verdict

Same as the $200 offer available online, this is just an extra $50 when applying in branch. Definitely worth doing if you were already considering the $200 offer. Will add this to our list of the best credit card bonuses. For more details on this offer I’d recommend reading the original $200 offer post.

Hat tip to Faust_XX

Source: doctorofcredit.com

Chase Freedom & Freedom Flex Q4 2021 Categories: PayPal & Walmart

Chase has released the 5x categories for the fourth quarter of 2021 on the Freedom and Freedom Flex cards:

  • PayPal
  • Walmart

I love the PayPal category since it’s pretty easy to use at thousands of online merchants, tax payments, charities, etc. Should work in conjunction with PayPal Key as well.

These categories will go live for activation tomorrow, but are already showing in the online login.

Source: doctorofcredit.com

Q4 2021 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & more)

It’s now possible to activate/enroll all 5% category credit cards for the fourth quarter of 2021, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and a few others. In this post we’ll provide the activation link for each card and links to track your spend, along with strategies to help increase spend in these categories.

Dates: October 1st – December 31, 2021. Store purchases can usually be done until the last minute. Online purchases should be given a buffer zone of a day or two.

Chase Freedom – PayPal, Walmart

Activation Link / FAQ / Sample Stores & Exclusions / Our original post

With your Freedom and Freedom Flex cards, earn 5% back this quarter on up to $1,500 in spend at purchases paid via PayPal and on purchases made at Walmart.

  • PayPal Purchases – I love the PayPal category since it’s pretty easy to use at thousands of online merchants, tax payments, charities, etc. (Should work in conjunction with PayPal Key as well.) “Please note, Friends and Family or Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.”
  • Walmart – Works at Walmart stores and Walmart.com and Walmart gas stations. Walmart stores also sell Visa gift cards and other gift cards as well.

Tip: Click this link (login required) to check how far you are along the $1,500.

Discover – Amazon, Walmart.com, Target.com

Activation Link / Our original post

With your Discover card, earn 5% back this quarter on up to $1,500 in purchases at Amazon.com, Walmart.com, and Target.com.

  • Amazon.com – not very useful for someone who has one of the Amazon 5% credit cards, but could be useful to those that don’t.
  • Walmart.com – if you maxed out your Chase Freedom, this is another option.
  • Target.com – not too useful for someone who has the Target REDcard which always earns 5% back, but could be useful to those that don’t. (Also useful for when Target runs their gift card sale since Target gift cards don’t get the 5% back REDcard.)

Activate to earn 5% Cashback Bonus at Amazon.com, Walmart.com and Target.com from 10/1/21 (or the date on which you activate 5%, whichever is later) through 12/31/21, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Purchases also include those made in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. Walmart.com purchases include only those made at Walmart.com and when shopping through the Walmart app (including Grocery Pick Up and Delivery). Purchases made through affiliates of Walmart.com are not part of this promotion. Target.com purchases include only purchases made online at Target.com or through the Target app. Purchases made through affiliates of Target.com are not part of this promotion, including, but not limited to, targetoptical.com and targetphoto.com. 

Tip: Login, then click this link to see you how far along the $1,500 you are.

Citi Dividend – Restaurants, Best Buy

Landing Page | Our Original Post

With your Dividend card, earn 5% back this quarter at Restaurants and Best Buy. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. Thus, you can get 5% back on up to $6,000 in this quarter, you can save the entire amount for a different quarter, or you can use part up each quarter. Some people might have already maxed this out in Q2 2021 on grocery stores and drugstores.

  • Restaurants – always a useful category
  • Best Buy – based on my prior experience, this should work for Bestbuy.com purchases too.

US Bank Cash+/Elan – Select your Categories

Activation link | Merchant List | Our Original Post

U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that Car Rentals was recently replaced with TV, Internet, and Streaming Services.

Here are the current options:

  • TV, Internet, and Streaming Services
  • Home utilities
  • Select clothing stores
  • Cell phone providers
  • Electronic Stores
  • Gyms/Fitness
  • Fast food
  • Ground Transportation
  • Sporting goods
  • Department Stores
  • Furniture Stores
  • Movie theaters

Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.

Bank of America Cash Rewards

Our Original Post

The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.

  • Gas (default)
  • Online Shopping
  • Dining
  • Travel
  • Drug Stores
  • Home Improvement/Furnishings

This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.

Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.

Other Cards with 5% Category

ABOC – Discontinued

Since August 27, 2021, the ABOC Platinum rewards card has moved to a new rewards provider and no longer offers the quarterly 5x categories.

Nusenda FCU – Restaurants, Hotels, Airfare

Landing Page | Our Original Post

  • Earn 5% this quarter on up to $1,500 in purchases at restaurants, hotels, and airfare.

Affinity FCU – Supermarkets, Amazon, Discount Stores

Landing Page | Our Original Post

  • Earn 5% this quarter on purchases at Supermarkets, Amazon, and Discount Stores on up to $3,500 in purchases.

The 5x is on top of regular earn for a total of 6x or 7x, depending on the card. Amazon works out to 10%, apparently.

Vantage West [AZ] – Select your Category

Landing Page | Our Original Post

Get 5x points on the category of your choice, up to $1,500 per quarter. Eligible categories:

  • Travel
  • Restaurants
  • Utilities [water, cell, electric, etc.]
  • In-Store Wholesale Purchases [Costco, Sam’s Club, etc.]
  • Department Stores
  • Hardware & Home Improvement Stores
  • Charitable Organizations
  • Pharmacies & Drug Stores
  • Amazon.com

Source: doctorofcredit.com

13 Best 0% APR No-Interest Credit Cards – Reviews & Comparison

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

Unforeseen emergencies such as car problems that require expensive repairs or medical treatments with high out-of-pocket costs can blindside even the most responsible consumers. If you can’t afford to pay for an urgent purchase or expense out of your own pocket, you may have no choice but to use a credit card.

The good news is there’s no shortage of credit cards that make it easy to charge big-ticket purchases or expenses without accumulating interest from day one. Dozens of credit cards come with 0% introductory purchase APR periods, many of which last 12 months or longer.

Although every introductory APR period eventually comes to an end, the opportunity to get a head start on repaying big purchases without worrying about ballooning interest is invaluable.


Best Credit Cards With 0% APR Interest on Purchases

These are the best credit card offers with 0% purchase APR promotions on the market today.

Although most charge no annual fee, some carry miscellaneous fees and charges that can raise the cost of card ownership prior to the end of the intro APR period and beyond. Each credit card company has its own way of doing things on this front.

Pay attention to each card’s regular (post-promotion) purchase APR too. Some of these cards stake their reputations on low ongoing APRs (low interest), while others are less generous, especially to cardholders without excellent credit.

And don’t sleep on these cards’ rewards programs either, as some count among the best cash-back cards on the market.


1. Citi® Double Cash Card

0% APR on Balance Transfers for 18 Months; 1% Cash Back When You Spend and 1% Cash Back When You Pay Your Balance

Citi Double Cash Card Art 12 4 19

Learn More

The Citi® Double Cash Card‘s 18-month 0% APR balance transfer promotion is among the best in the cash-back category and makes it one of the best balance transfer credit cards overall. If you’re struggling with high-interest credit card debt and seek a payoff method that earns a nice return on spending and has a modest balance transfer fee, Double Cash is a top contender.

To be sure, Citi Double Cash’s two-tiered cash-back program is the main attraction for most new applicants.

Cardholders earn 1% cash back on all eligible purchases when they make them, then another 1% cash back when they pay off those purchases. Pay your statement in full each month to effectively earn 2% cash back on virtually all card transactions, with no bonus categories to worry about.

Just be mindful that cash back expires after 12 months of account dormancy (meaning no purchases or redemptions).

  • Introductory APR: Enjoy 0% APR on balance transfers for 18 months (billing cycles), then variable regular APR applies. Qualifying transfers must be made within four months of account opening. Following the end of the promotional period, variable APR will be 13.99% to 23.99%, based on your creditworthiness.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%.
  • Sign-Up Bonus: There’s presently no sign-up bonus on the Citi Double Cash Card.
  • Other Perks: This card comes with a standard package of Citi perks.

See our Citi Double Cash Card review for more information. Learn more about this card and find out how to apply here.

Learn More


2. Chase Freedom Unlimited® Credit Card

0% APR on Purchases for 15 Months; Up to 5% Cash Back on Eligible Purchases

Chase Freedom Unlimited Credit Card

Apply Now

The Chase Freedom Unlimited® Credit Card is first and foremost a cash-back credit card. With no annual fee and a flat return of unlimited 1.5% cash back on most eligible purchase spending, it’s among an elite cadre of premium cash-back products for everyday spending.

Freedom Unlimited doesn’t stop at 1.5% cash back. Select purchases earn more:

  • Unlimited 5% cash back on eligible purchases through Chase Travel
  • Unlimited 3% cash back on eligible drugstore and restaurant purchases (including takeout and eligible delivery)

Freedom Unlimited also has a strong 0% APR introductory offer: 15 months at 0% APR on purchases. If you’re planning to finance a major purchase in the near future, why not opt for a 0% APR offer that earns cash back too?

  • Introductory APR: There is a 0% APR on purchases for 15 months (billing cycles). After that, variable regular APR applies (currently 14.99% to 23.74%, depending on your creditworthiness).
  • Key Fees: There is no annual fee, but foreign transactions cost 3%.
  • Sign-up Bonus: Earn $200 bonus cash when you spend $500 on qualifying purchases within three months of account opening. Plus, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year. This benefit does not include grocery purchases at Target or Walmart.
  • Other Perks: Other perks include extended warranty coverage and complimentary secondary coverage on car rentals purchased in full with your card.

See our Chase Freedom Unlimited® Credit Card review for more information. Find out how you can apply for this card here.

Apply Now


3. Chase Freedom Flex℠ Credit Card

0% APR on Purchases for 15 Months; Up to 5% Cash Back on Eligible Purchases

Chase Freedom Flex Card Art 1 28 21

Apply Now

The Chase Freedom Flex℠ Credit Card earns 5% cash back on the first $1,500 in eligible purchases in quarterly rotating bonus cash back categories, plus unlimited 5% cash back on eligible purchases through Chase Travel and 3% cash back on eligible drugstore and restaurant purchases (including takeout and eligible delivery).

All other eligible purchases earn 1% cash back. And a nice sign-up bonus packs an additional punch for new cardholders.

That’s all on top of the 15-month 0% APR promotion on purchases, after which variable regular APR applies.

  • Introductory APR: There is a 0% APR on purchases for 15 months. After that, variable regular APR applies (currently 14.99% to 23.74%, depending on your creditworthiness).
  • Key Fees: There is no annual fee. Foreign transactions cost 3%.
  • Sign-up Bonus: Earn $200 bonus cash when you spend $500 on qualifying purchases within three months of account opening. Plus, earn 5% cash back on grocery store purchases up to $12,000 spent in the first year, excluding grocery purchases at Target or Walmart.
  • Other Perks: Additional perks include extended warranty coverage and complimentary secondary coverage on car rentals purchased in full with your card.

See our Chase Freedom Flex Credit Card review for more information. Find out how to apply for this card here.

Apply Now


4. Citi Custom Cash℠ Card

0% APR on Purchases and Balance Transfers for 15 Months From Account Opening

Citi Custom Cash Card Art 6 10 21

Learn More

The Citi Custom Cash℠ Card has one of the best 0% APR introductory promotions of any no-annual-fee cash back credit card: 15 months from account opening for both purchases and balance transfers. Following the end of the promotional period, variable APR will be 13.99% to 23.99%, based on your creditworthiness.

The sign-up bonus and ongoing rewards program (with automatic rotating categories that require no activation) provide even more incentive to use Custom Cash early and often.

  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for 15 months. Thereafter, variable regular APR applies (currently 13.99% to 23.99%, based on your creditworthiness).
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the transaction amount.
  • Sign-up Bonus: Earn $200 cash back after you spend $750 in the first 3 months of card membership. This bonus is fulfilled as 20,000 ThankYou points.
  • Other Perks: This card has a two-tiered cash-back program that earns 5% cash back on the first $500 in purchases in your top eligible spending category each month (then 1% cash back on purchases above the cap) and 1% cash back on all other eligible purchases. Spending categories that qualify for bonus cash include restaurants, gas stations, select travel, select transit, select streaming services, live entertainment, home improvement stores, and drugstores. Plus, this card has a generous slate of value-added Mastercard benefits.

Learn more about this card and find out how to apply here.

Learn More


5. Wells Fargo Active Cash℠ Card

0% Intro APR on Purchases and Balance Transfers for 15 Months; Unlimited 2% Cash Rewards on Eligible Purchases

Wells Fargo Active Cash Card Art 8 5 21

Learn More

As you might guess from the name, the Wells Fargo Active Cash℠ Card is first and foremost a cash back credit card. Its rewards program is similar to the Citi Double Cash card’s, featuring:

  • Unlimited 2% cash rewards on all eligible purchases.
  • No rewards categories that change periodically.
  • No expiration dates for rewards for accounts that remain open and in good standing.
  • A sign-up bonus worth $200 in cash rewards after you spend $1,000 on eligible purchases in the first 3 months.

Wells Fargo Active Cash is also an excellent 0% APR card for new cardholders. Its 0% intro APR period lasts for 15 months from account opening and applies to both purchases and balance transfers, though qualifying balance transfers must occur within the first 120 days. That should be plenty of time to pay down those pesky high-interest credit card balances or pay off front-loaded purchases.

  • Introductory APR: This card offers 0% APR on purchases and qualifying balance transfers for 15 months. Qualifying balance transfers must occur within 120 days of account opening. Following the end of the promotional period, regular variable APR applies (currently 14.99% to 24.99% variable APR).
  • Sign-Up Bonus: Spend at least $1,000 in eligible purchases in the first 3 months of card membership to earn a $200 cash rewards bonus.
  • Key Fees: There’s no annual fee. The foreign transaction fee is a flat 3%.
  • Other Perks: Get up to $600 in coverage for eligible damage and theft on your cell phone, less a $25 deductible. Just pay your cell phone bill in full with your Wells Fargo Active Cash card.

Learn more about this card and find out how to apply here.

Learn More


6. Capital One Quicksilver Cash Rewards Credit Card

0% Purchase APR for 15 Months From Account Opening; 1.5% Cash Back on All Eligible Purchases

capital one quicksilver cash rewards credit card

Learn More

The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash-back credit card with an unusually long 0% APR intro promotion on purchases only: 15 months from account opening. Pair that with a very generous early spend bonus and you’ve got ample reason to open an account.

Moving forward, enjoy 1.5% cash back on all eligible purchases. Redeem your rewards in any amount for a statement credit against prior purchases or a paper check — your preference.

  • Introductory APR: 0% introductory purchase APR for 15 months after account opening. Then, variable regular APR applies (currently 15.49% to 25.49%, depending on your creditworthiness).
  • Key Fees: There’s no annual fee or foreign transaction fee.
  • Early Spend Bonus: After you spend $500 on eligible purchases in the first three months, you’ll earn $200 bonus cash (one-time).
  • Other Perks: This card comes with additional purchase and travel protections at no additional out-of-pocket cost.

See our Capital One Quicksilver Cash Rewards Credit Card review for more information. Learn more about this card and find out how to apply here.

Learn More


7. U.S. Bank Visa® Platinum Card

0% Intro Purchase and Balance Transfer APR for 20 Months

U.s. Bank Platinum Card Art 9 8 21

Learn More

It’s hard to get simpler than the U.S. Bank Visa® Platinum Card. For a limited time, it comes with a 20-month 0% purchase and balance transfer APR. After that, variable APR applies (currently 14.49% to 24.49%, depending on your creditworthiness and prevailing rates). Qualifying balance transfers must be made within 60 days of account opening to snag the intro APR.

Additional perks include no annual fee, a free credit score accessible through your account dashboard, and a cellphone protection plan that provides up to $600 in coverage.

  • Introductory APR: There is a 0% intro APR on purchases and balance transfers for 20 months (billing cycles) from the account opening date for your new card. After that, variable regular APR applies (currently 14.49% to 24.49%, depending on your creditworthiness and prevailing rates).
  • Key Fees: There is no annual fee. Foreign transaction fees range from 2% to 3%, depending on how the transaction is denominated.
  • Sign-Up Bonus: There’s presently no sign-up bonus.
  • Other Perks: The cellphone protection plan provides up to $600 in coverage per incident and $1,200 in coverage per year once the $25 deductible (per incident) has been met.

See our U.S. Bank Visa® Platinum Credit Card review for more information. Learn more about this card and find out how you can apply here.

Learn More


8. Citi® Diamond Preferred® Card

0% Intro Purchase and Balance Transfer APR for 18 Months

Citi Diamond Preferred Card Art 4 16 20

Learn More

Like its close cousin, the Citi Simplicity® Card, the Citi® Diamond Preferred® Card has one of the best purchase APR promotions around: 0% APR for 18 months from account opening, after which variable APR applies (currently 13.74% to 23.74%, depending on prevailing rates and your creditworthiness).

Diamond Preferred also comes with an 18-month 0% balance transfer APR for transfers made within four months of account opening, after which rates align with the regular purchase APR.

Although this card is great for cardholders looking to avoid interest charges for as long as possible, it’s not ideal for folks who crave cash back, travel rewards, or sign-up bonuses. What you see is what you get here.

  • Introductory APR: There is a 0% intro APR offer on purchases and balance transfers for 18 months. After that, variable regular APR applies (currently 13.74% to 23.74%, depending on prevailing rates and your creditworthiness).
  • Key Fees: There are no annual or late payment fees. Foreign transactions cost 3%.
  • Sign-Up Bonus: There’s presently no sign-up bonus.
  • Other Perks: This card comes with a nice lineup of standard Citi perks, including Apple Pay mobile wallet integration, customizable account alerts, EMV chip protection, and the ability to choose your payment due date.

See our Citi Diamond Preferred Card review for more information. Learn more about this card and find out how you can apply here.

Learn More


9. Citi Simplicity® Card

0% Intro Balance Transfer and Purchase APR for 18 Months

Citi Simplicity Card Art 12 4 19

Learn More

The Citi Simplicity® Card has one of the best 0% APR introductory balance transfer and purchase promotions around. Both last for 18 months from account opening, with the introductory balance transfer rate applying to all balances transferred within 120 days of account opening.

After the promo period ends, the variable regular APR (currently 14.74% to 24.74%) depends on prevailing interest rates and your personal creditworthiness. The balance transfer fee is the greater of $5 or 3% of the transferred amount.

  • Introductory APR: Enjoy 0% on purchases and balance transfers for 18 months. Thereafter, variable regular APR applies (currently 14.74% to 24.74%, depending on your personal creditworthiness and prevailing rates).
  • Key Fees: Citi Simplicity has no annual, late payment, or foreign transaction fees. Balance transfers cost the greater of $5 or 3%.
  • Sign-Up Bonus: None.
  • Other Perks: Value-added benefits include customizable payment due dates and 24/7 customer service.

See our Citi Simplicity Card review for more information. Learn more about this card and find out how to apply here.

Learn More


10. Wells Fargo Platinum Card

0% Intro APR on Purchases & Balance Transfers for 18 Months

Wells Fargo Platinum Card Art 3 2 20

The Wells Fargo Platinum Card has an 18-month 0% introductory APR on both purchases and balance transfers. This makes it a great choice for applicants who care less about racking up credit card rewards than about paying down existing high-interest debt or financing major purchases at low cost.

With no annual fee and no penalty APR, it’s an excellent choice for long-term use as well.

  • Sign-up Bonus: There’s presently no sign-up bonus.
  • Introductory APR: 0% purchase and balance transfer APR for 18 months. Thereafter, variable regular APR applies (currently 16.49% to 24.49% variable, depending on creditworthiness and prevailing rates).
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%. Balance transfers cost the greater of $5 or 3% of the transferred amount for the first 120 days, after which they cost the greater of $5 or 5% thereafter.
  • Other Perks: Enjoy access to your FICO score through your account dashboard and complimentary cellphone protection coverage that reimburses you up to $600 for eligible theft or damage claims, less a $25 deductible.

See our Wells Fargo Platinum Card Review for more information. Learn more about this card and find out how to apply here.

Learn More


11. Blue Cash Everyday® Card from American Express

0% Intro Purchase APR for 15 Months; Up to 3% Cash Back on Purchases

american express blue cash card

Learn More

The Blue Cash Everyday® Card from American Express is a no-annual-fee cash rewards credit card that boasts a 15-month 0% introductory APR on purchases (see rates and fees page). After the intro period ends, variable regular APR applies (13.99% to 23.99%), depending on creditworthiness and prevailing rates.

Blue Cash Everyday has more to offer than a generous introductory APR promotion. Its three-tiered cash-back program rewards users as follows:

  • U.S. supermarket purchases (grocery stores) earn 3% cash back up to a $6,000 annual limit, and 1% cash back after that
  • U.S. gas station and department store purchases earn 2% cash back
  • All other eligible purchases earn 1% cash back.

Plus, there’s a nice welcome offer: 20% back on Amazon.com purchases on your card in the first 6 months of account opening, up to $150 back, plus $100 back after you spend at least $2,000 on purchases within the first six months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

  • Introductory APR: There is a 0% APR on purchases for 15 months. Then variable regular APR applies, currently 13.99% to 23.99%.
  • Key Fees: There is no annual fee. The foreign transaction fee is 2.7%. See rates and fees page.
  • Welcome Offer: Earn 20% back on Amazon.com purchases on your card in the first six months after account opening, up to $150 back. Plus, earn $100 back after you spend at least $2,000 on purchases within the first six months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

See our Blue Cash Everyday® Card from American Express review for more information. Learn more and find out how you can apply for this card here.

Learn More


12. Citi Rewards+℠ Card

0% Intro Purchase and Balance Transfer APR for 15 Months; 2x Points on Supermarket & Gas Station Purchases

Citi Rewards Plus Card Art 8 12 21

Learn More

The Citi Rewards+℠ Card has a generous introductory APR promotion for purchases and balance transfers: 15 months at 0% APR on both types of transactions, with the balance transfer APR kicking in only after the first transfer.

Once the introductory period ends, variable regular APR applies (currently 13.49% to 23.49%, depending on your creditworthiness and prevailing interest rates).

This card’s rewards program is worth calling out here. Eligible supermarket and gas station spending earns 2 points per $1 spent, up to $6,000 in combined category spending per year. All other eligible spending earns an unlimited 1 point per $1 spent.

Plus, Citi rounds up rewards earned on every purchase to the nearest 10 points — turning (for example) a 5-point purchase into a 10-point purchase — and kicks back 10% of redeemed points up to the first 100,000 points redeemed each year.

Depending on how you spend and redeem, your rate of return on spending can exceed 2% on supermarket and gas station purchases and top 1% on all other purchases.

  • Introductory APR: There is a 0% introductory purchase and balance transfer APR for the first 15 months. After that, variable regular APR applies (currently 13.49% to 23.49%, depending on your creditworthiness and prevailing interest rates).
  • Key Fees: There is no annual fee. Foreign transactions cost 3%.
  • Sign-up Bonus: For a limited time, earn 20,000 bonus points after spending $1,500 on purchases within three months of account opening (worth up to $200 at redemption).
  • Other Perks: Citi Entertainment entitles you to specially priced and/or exclusive tickets, reservations, and experiences. Fees and restrictions may apply.

See our Citi Rewards+℠ Card review for more information. Learn more and find out how you can apply for this card here.

Learn More


13. Blue Cash Preferred® Card from American Express

0% Intro Purchase APR for 12 Months; Up to 6% Cash Back on Purchases

American Express Blue Cash Preferred Credit Card

Learn More

The Blue Cash Preferred® Card from American Express is one of the only cards on this list with an annual fee after the first year: $0 for the first year, then $95 each year thereafter. It makes up for this extra cost with an extremely generous cash-back rewards program. See rates and fees page.

First things first: the introductory purchase APR is 0% for 12 months, after which variable regular APR applies (currently 13.99% to 23.99%), depending on prevailing rates and your creditworthiness. See rates and fees page.

Now, for the goods: Blue Cash Preferred has the most generous cash-back program of any card on this list. Supermarket and select streaming purchases earn 6% cash back up to an annual limit of $6,000, and 1% cash back thereafter. Gas station and transit purchases earn 3% cash back. All other purchases earn 1% cash back. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

And don’t sleep on the welcome offer: When you spend at least $1,000 in eligible purchases within three months of account opening, you’ll earn a $300 bonus statement credit.

  • Introductory APR: There is a 0% APR on purchases for 12 months, after which variable regular APR applies (currently 13.99% to 23.99%).
  • Key Fees: The annual fee is $95 after the first year, and the foreign transaction fee is 2.7%.
  • Welcome Offer: Earn 20% back on Amazon.com purchases on your card in the first 6 months of account opening, up to a maximum of $200 back. Plus, earn $150 back after you spend at least $3,000 on purchases within the first 6 months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

See our Blue Cash Preferred® Card from American Express review for more information. Learn more and find out how you can apply for this card here.

Learn More


Final Word

Credit cards with 0% intro purchase APR promotions are great for financing big-ticket purchases — such as supplies for home improvement projects or wedding expenses — that you’d normally struggle to pay for out of pocket.

However, it’s essential to pay off these big-ticket items before the promotional APR expires. If you don’t, you could find yourself struggling just to make the minimum monthly payments on your card — and facing a pile of interest-accumulating credit card debt that could stay with you for a much longer period of time than the initial promotion window.

Create a plan to pay off purchases made during your 0% APR period before the rate rises. And if you expect to make many large purchases over time — perhaps to finish off that home improvement project or turn your wedding dreams into reality — look into low-APR credit cards (low-interest credit cards) with affordable regular interest rates that reduce the cost of carrying a monthly balance.

For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this rates and fees page.

For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this rates and fees page.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Source: moneycrashers.com