RedditUse 0% APR Credit Cards to Make Purchases Now and Pay Later
If you are need extra cash to make a big purchase, you may use a 0% APR credit card to buy now and pay later. Credit cards with 0% intro APR allow you to charge a purchase to your credit card now and pay off the credit-card balance over time without incurring interest or fees, as long as you make the minimum payments every month.
At this time, many credit cards offer 0% introductory APR on purchases for 12 months or more. If you are short of cash for an expensive purchase, you can open a new credit card with 0% intro APR to enjoy the buying power now. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a 0% APR credit card not only helps you afford the purchase, but also helps you save money by paying no interest for a long time.
Best 0% APR Credit Cards on Purchases
Choose from one of the following credit cards that offer 0% on purchases for at least 12 months. All these credit cards are for people who have good or excellent credit rating. If you have a credit score of 700 or above, you may qualify for these offers.
0% Interest on Purchases for 15 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Citi Rewards+® Card | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 17.74% - 27.74% (variable) applies. (rates & fees) | $0 |
 | Blue Cash Everyday® Card from American Express | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.24% - 29.24% variable applies. (rates & fees) | $0 |
 | Chase Freedom Unlimited® | 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.24% variable applies. | $0 |
0% Interest on Purchases for 12 Months
| Credit Card | 0% Introductory Interest | Annual Fee | |
|---|---|---|---|
 | Blue Cash Preferred® Card from American Express | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.24% - 29.24% variable applies. (rates & fees) | $0 intro annual fee for the first year, then $95. |
 | The American Express Blue Business Cash™ Card | 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies. (rates & fees) | $0 |
 | Ink Business Cash® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies. | $0 |
 | Ink Business Unlimited® Credit Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.49% - 23.49% variable applies. | $0 |
 | Citi® Diamond Preferred® Card | 0% on purchases for 12 months and on qualifying balance transfers for 21 months. After the intro period ends, the go-to rate of 17.24% - 27.99% (variable) applies. (rates & fees) | $0 |
 | United Gateway℠ Card | 0% on purchases for 12 months. After the intro period ends, the go-to rate of 20.99% - 27.99% variable applies. | $0 |
