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50 Credit Cards Offering 0% APR on Purchases

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Editor’s Note: Thank you for your interest, these offers expired and are no longer available.

Warning! Taking advantage of credit card companies may be fun and profitable, but it is dangerous if you don’t know what you’re doing, or if you do know what you’re doing but are not careful. If you miss one payment, in most cases, you will owe back interest at the default rate.

That being said, here are a bunch of credit cards offering 0% APR on purchases for a year or six months. Use these cards responsibly, and you can save yourself money two ways. First, you can earn interest on your cash while paying off the card, and second, you can use inflation to your advantage. For example, if you pay $100 each month for thirteen months, your last payment is worth about 3% less in purchasing power. Here are 50 cards that offer 0% interest on purchases or more.

Chase TravelPlusChase TravelPlus Visa
0% on purchases and balance transfers for 12 months
17.49% variable APR (standard)

This card, in addition to the introductory APR offer, provides 2 miles for every $1 spent on travel-related purchases and 1 mile for every $1 on other categories. There is a $29 annual fee for the rewards program, however.

Discover Business Miles Card
0% APR on purchases for 12 months
13.99% APR on purchases (standard)

You don’t have to have a business to apply and be accepted for this card, as with any business card. With this card, you also earn miles which can be redeemed for travel credits. The standard Discover Business Card offers a similar introductory rate, but rather than miles, earns the spender 5% cash back on office supplies, 2% on gas, and 1% on all other purchases.

American Express SimplyCash Business Card
0% APR on purchases for 12 months
8.25% APR on purchases (standard)

In addition to the 0% offer and the competitive standard APR, this card offers 5% cash back on gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases. Your cash back is credited to your statement monthly, one of the most convenient methods of receiving credit card rebates.

American Express Platinum Business FreedomPass Card
0% APR on purchases for 12 months
12.24% APR on purchases (standard)

American Express offers points on the FreedomPass card, starting with a 5,000 point bonus just for making your first purchase. The points can be redeemed for travel.

Here are more 0% interest introductory offers for purchases. Some of these credit cards also offer 0% on balance transfers and cash advances.
Gold Delta SkyMiles Business Credit Card: 0% APR on purchases for 6 months
American Express Blue Cash Credit Card: 0% APR on purchases for 6 months
American Express Blue Cash for Business Card: 0% APR on purchases for 6 months
American Express Platinum Business Card: 0% APR on purchases for 12 months
American Express Gold Delta SkyMiles Business Card: 0% APR on purchases for 6 months

Chase Platinum Business Card: 0% APR on purchases and balance transfers for 6 months
GM Business Card: 0% APR on purchases and balance transfers for 12 months (no longer available)
Chase Business Rebate Visa Card: 0% APR on purchases and balance transfers for 6 months
Chase Business Cash Rewards Card: 0% APR on purchases and balance transfers for 6 months
Amazon.com Business Visa: 0% APR on purchases and balance transfers for 6 months (no longer available)

Discover More Card: 0% APR on purchases and balance transfers for 12 months
Discover More Card – Sealife Collection: 0% APR on purchases and balance transfers for 12 months
Discover More Card – Wildlife Collection: 0% APR on purchases and balance transfers for 12 months
Discover More Card – American Flag: 0% APR on purchases and balance transfers for 12 months
Discover Open Road Card: 0% APR on purchases and balance transfers for 12 months

Discover More Card – Clear: 0% APR on purchases and balance transfers for 12 months
Miles by Discover Card: 0% APR on purchases and balance transfers for 12 months
Clear from American Express: 0% APR on purchases for 12 months
Blue from American Express: 0% APR on purchases for 15 months
Volkswagen Platinum Rewards Visa Card: 0% APR on purchases and balance transfers for 12 months (no longer available)

Citi Dividend Platinum Select for Students: 0% APR on purchases, balance transfers, and cash advances for 6 months
Citi Diamond Preferred Card: 0% APR on purchases and balance transfers for up to 12 months
Citi® Platinum Select® MasterCard®: 0% Intro APR on purchases for 12 months and balance transfers for 18 months
Citi Platinum Select Visa Card for Students: 0% APR on purchases, balance transfers, and cash advances for 6 months
Citi Driver’s Edge Card for College Students: 0% APR on purchases, balance transfers, and cash advances for 6 months

Chase Freedom Points Visa Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Chase Freedom Cash Visa Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Subaru Platinum MasterCard from Chase: 0% APR on purchases and balance transfers for 6 months (no longer available)
Chase Student Flexible Rewards Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Chase PerfectCard MasterCard: 0% APR on purchases and balance transfers for 6 months

Borders 3.2.1 Visa: 0% APR on purchases and balance transfers for 12 months (no longer available)
BP Visa Rewards Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Chase Free Cash Rewards Visa Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Chase Home Improvement Rewards Card: 0% APR on purchases and balance transfers for 12 months (no longer available)
Chase Overstock.com Rewards Visa Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Chase Platinum MasterCard: 0% APR on purchases and balance transfers for 12 months
Chase Flexible Rewards Platinum Visa: 0% APR on purchases and balance transfers for 6 months
Sony Platinum Visa Card: 0% APR on purchases and balance transfers for 12 months (no longer available)
Amazon.com Platinum Visa Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
Toys “R” Us & Babies “R” Us MasterCard: 0% APR on purchases and balance transfers for 6 months (no longer available)

Chase Platinum Visa: 0% APR on purchases and balance transfers for 12 months
Starbucks Platinum Duetto Visa Card: 0% APR on purchases and balance transfers for 6 months (no longer available)
GM Flexible Earnings Card: 0% APR on purchases and balance transfers for 12 months
Orchard Bank MasterCard Secured: 0% APR on purchases for 6 months
Orchard Bank Platinum MasterCard: 0% APR on purchases for 6 months

Orchard Bank Gold MasterCard: 0% APR on purchases for 6 months
Orchard Bank Silver MasterCard: 0% APR on purchases for 6 months

Updated January 19, 2014 and originally published July 29, 2007. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.

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About the author

Luke Landes, also known as Flexo, is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about him and follow Luke Landes on Twitter. View all articles by .

{ 1 comment… read it below or add one }

avatar Anonymous

Well compiled list. Thanks for sharing this.

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