Having a credit card is a great way to make a purchase when you don’t have all of the money available at once. The only problem is the interest on some cards can be astronomical and could end up costing as much as the merchandise by the time it’s paid off. If you’re getting ready to make a large purchase, you should consider credit cards that offer 0% APR (annual percentage rate) interest for a certain period of time. Perhaps you’ve been thinking about trading your old dusty fridge for a brand-new stainless steel one or maybe you’ve had your eye on some updated furniture. Having 0% interest can help you get the things you need without keeping you in debt for life. Read on to learn more about the best credit cards with zero-percent APR offers.

Top 3 Credit Cards with 0% APR Intro Offers:

  • Capital One VentureOne Rewards Credit Card
  • Citi Simplicity Card
  • Chase Freedom Unlimited

Capital One VentureOne Rewards Credit Card

The Capital One Venture One Rewards Credit Card is the perfect card for people who want to pay off their merchandise within a year. This card has an introductory rate of 0% for 12 months, afterwards the APR is 12.99%-22.99% variable. With every purchase, you will receive rewards. Get 1.25 miles for every dollar you spend and an introductory bonus of 20,000 miles after you spend $1,000. When you use your miles, no matter what time of year you choose, there are no blackout dates. In addition, there are no foreign transaction fees, so if you decide to take your loved ones to Europe for the summer, Capital One won’t charge extra like some other credit cards. They also provide security on every card in the form the Chip. Chip technology gives each user protection from fraud and helps to prevent theft.


  • Introductory offer is 0% for 12 months
  • Bonus of 20,000 miles after the first $1,000
  • No blackout dates when you travel

Citi Simplicity Card

If you don’t want to worry about late fees, the Citi Simplicity Card is for you. Never be concerned that you’ll have enormous fees or penalties if you don’t get paid until Friday and your credit card payment is due on Wednesday. The introductory offer for the Citi Simplicity Card is 0% interest for 21 months. At the end of the 21 months, the APR is 14.99%-24.49%. When you’re ready to enjoy free interest for almost 2 years, you can simply call and setup your own bill payment schedule. You can also transfer the balance of a loan or another card to this one, but there will be a $5 or 3% fee depending on which amount is greater. Together with the Citi Identity Theft Solutions, you will have any compromising positions resolved quickly and without hassle.


  • No late fees or penalties
  • Introductory off is 0% interest for 21 months
  • Balance transfer fee is only $5 or 3%

Chase Freedom Unlimited

Chase Freedom Unlimited is one of the top choices for those who don’t want to pay an annual fee and also have a low introductory rate. New card members will receive 0% interest for 15 months and then 15.99%-24.74% APR. You will also get $150 as a bonus once you make $500 worth of purchases. When you add another person as an authorized user on the account, you will get an additional $25 once they make a purchase within 3 months. This card has a lot of benefits, including Smart Chip security, liability protection, theft protection, and purchase protection. Purchase protection gives you coverage against theft or damage of merchandise within 120 days of purchase up to $500 per claim. Another benefit that you can take advantage of when you open an account is the auto rental protection. Your rental is covered from collision or theft if you waive the rental insurance and pay for the vehicle with the Chase Freedom Unlimited card.


  • No annual fee
  • 0% interest for 15 months
  • $150 bonus after your first $500


It’s important to have a credit card whenever you need to make a large purchase, but you should be smart about it. Look for cards that offer 0% interest rates for at least a year. You will be able to make the payments without any interest. Some cards can offer rewards and bonuses, which can be beneficial if you’re planning to travel or just need some extra spending money.