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Credit Cards that Offer 0 on Purchases

When you use your credit cards wisely, responsible, you can actually end up ensuring that the credit you borrow is free for you – meaning, that if you can manage to take care of your purchases, and make sure they’re paid off before your offer for 0 on purchases expires, then your interest rate never kicks in, and you basically got a free loan from your creditor.

Click here to compare and save on credit cards. Low APR and 0% APR credit card offers from multiple providers. Click here to save now.

Time Limitations on 0% APR Offers

When credit card companies are trying to lure consumers into signing up for a line of credit through them, they will throw all kinds of offers their way. One of the more common offers – and it isn’t exclusive to credit card companies, as car and furniture sales will also feature this lure – is the promise of 0 on purchases for an introductory period. This 0% APR (Annual Percentage Rate) rate indicates the amount of interest that your debt balance will accrue the longer it sits on your card.

At, you can compare and apply for low APR and 0% APR credit cards. These offers are ideal in terms of bringing down your interest expenses and also a viable platform to become debt free.

Hot Credit Card Offers
Hot Credit Card Offers
Type Brand Annual Fee APR Cashback Bonus Details/Apply
The First Progress Platinum Elite MasterCard(R) Secured Credit Card
$29 19.99% N/A


* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Some 0 on purchases offers will expire at around 3 to 6 months after the card is activated; some may last as long as eighteen months, or even two years. The important thing to remember about these introductory phases is that if you do not pay off your entire balance of debt, you will owe interest on that balance – this can end up as a hefty chunk of change, depending on your APR and how high the balance remaining on your credit card is.

What is the benefit of using a 0% APR credit card?

Essentially, provided you make your payments on time and pay your balance off prior to the expiration of your 0 on purchases offer, you can use your credit card as a type of unsecured loan for large purchases you may not have otherwise been able to afford, or to get discounts you may not have been qualified for without it. Because there is no APR on your credit card for the introductory phase, you don’t have to pay any additional fees or monies on top of the actual price of your transaction – so if you plan properly, you can pay for your entire family vacation, season tickets, or that engagement ring on your credit card, and not pay a single penny more than what it cost at the time of purchase.

What is the risk of using a 0% APR credit card?

One of the biggest concerns over obtaining a 0 on purchases credit card that you should pay close attention to is ensuring that you make your minimum payment each month on time. If you miss even one payment, you lose your 0 on purchases offer, and are thereby required to pay not only the balance of debt, but the additional interest on top of that balance. Depending on how early in your payoff plans you are, this interest rate can quickly take your outstanding balance into the range of astronomical. Additionally, if you aren’t aware of the date when your 0% APR is no longer active, you may not pay your balance off in time to avoid interest rates. So using your card responsibly, and carefully, is the best way to take advantage of 0 on purchases offers for lines of credit.

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