0% Introductory Rate Credit Cards

We suggest offers based on money we make from our partners.

These offers are no longer available on our site: American Express Cash Magnet® Card, Capital One® Savor® Cash Rewards Credit Card

Intro Purchase APR

0%* for 15 months

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro Balance Transfer APR

0%* for 15 months

Regular Balance Transfer APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $40

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Cash Advance APR

29.99% (Variable)

Card Information

Great for simple cash back

Card Details

  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Card Details

  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Intro Purchase APR

0%* for 15 months

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro Balance Transfer APR

0%* for 15 months

Regular Balance Transfer APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Min Credit Needed

GOOD

 

N/A

 

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Regular Purchase APR

20.49% - 29.24%* Variable

Intro Balance Transfer APR

0% Intro APR on Balance Transfers for 15 months

Regular Balance Transfer APR

20.49% - 29.24%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99%

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for maximizing cash back

Card Details

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Card Details

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Regular Purchase APR

20.49% - 29.24%* Variable

Intro Balance Transfer APR

0% Intro APR on Balance Transfers for 15 months

Regular Balance Transfer APR

20.49% - 29.24%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 15 Months on purchases

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 15 Months on balance transfers

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Min Credit Needed

EXCELLENT

Return Payment Fee

Up to $40

Foreign Transaction Fee

2.7%

Penalty APR

29.99%* Variable

Late Fee

Up to $40

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for cash back for families

Card Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.†
  • No Annual Fee.†
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.†
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.†
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.†
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.†
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.†
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.†
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.†
  • Terms Apply.†
  • See offer and benefit terms

Card Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.†
  • No Annual Fee.†
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.†
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.†
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.†
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.†
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.†
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.†
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.†
  • Terms Apply.†
  • See offer and benefit terms

Intro Purchase APR

0% for 15 Months on purchases

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 15 Months on balance transfers

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Min Credit Needed

EXCELLENT

 

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

None

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
  • Rates and fees

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
  • Rates and fees

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro Balance Transfer APR

0% intro on balance transfers for 15 months

Regular Balance Transfer APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $40

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Cash Advance APR

29.99% (Variable)

Card Information

Great for high cash back rates

Card Details

  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fee
  • No annual fee

Card Details

  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fee
  • No annual fee

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro Balance Transfer APR

0% intro on balance transfers for 15 months

Regular Balance Transfer APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro Balance Transfer APR

0% intro on balance transfers for 15 months

Regular Balance Transfer APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Rewards

None
Miles

Balance Transfer Fee

3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $40

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Cash Advance APR

29.99% (Variable)

Card Information

Great for travel rewards with no annual fee

Card Details

  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Card Details

  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro Balance Transfer APR

0% intro on balance transfers for 15 months

Regular Balance Transfer APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Min Credit Needed

GOOD

 

N/A