Tired of paying interest on your credit card purchases?

If you open a new account you may not have to pay interest charges for a year or more with 0% APR (Annual Percentage Rate) credit card introductory offers.

You get peace of mind with a fixed interest rate of zero financing until 2022. Note that small minimum monthly payments are still due until the intro period ends. Once the special 0% rate expires regular rates will apply to the remaining balances.

Locking in a guaranteed 0% APR until 2022 allows knowing what your payments will be for 2021 without worrying about unexpected rate increases.

Some even have introductory bonus offers and/or pay cash back on purchases. In other words, you’re getting paid to use the card for a limited time. That may even apply to credit cards with annual fees when introductory bonuses are larger than the annual fee.

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20 MONTH INTRO 0% APR

US Bank Visa Platinum Card

• 20 month 0% intro APR financing on purchases
• No rewards
• No annual fee
• Regular APR is 13.99% to 23.99% once intro period expires

Elan Financial Services issues numerous 20-month 0% APR credit cards on behalf of several firms. Its cards usually have the following terms:

• 0% intro APR financing for 20 months on purchases
• No rewards
• No annual fee
• Regular APR of 13.49% to 23.49% once intro period expires

A small sampling of places offering 20-month 0% APR cards, issued by Elan Financial, are:

BOK Financial Visa Platinum Card
Chesapeake Bank of Maryland Platinum Visa Card
Community Banks of Colorado Platinum Visa Card
Exchange Bank Platinum Visa Card
Fulton Bank Visa Platinum Card
People’s United Bank Mastercard Platinum Card
Suncrest Bank Platinum Visa Card
The Bank of Missouri Platinum Visa Card

18 MONTH INTRO 0% APR

Citi Diamond Preferred

• 18 month zero-interest intro APR financing on purchases
• No rewards
• No annual fee
• Regular APR is 14.74% to 24.74% once intro period expires

Citi Simplicity

• No interest intro APR for 18 first months on purchases
• No rewards
• No annual fee
• Regular APR is 14.74% to 24.74% once intro period expires

15 MONTH INTRO 0% APR

American Express Cash Magnet

• 15 month introductory no interest APR period on purchases
• Intro Bonus: $200 after spending $1000 on purchases in first 3 months from account opening
• Rewards: 1.5% cash back on eligible purchases
• No annual fee
• Regular APR is 13.99% to 23.99% after intro offer expires

Chase Freedom Flex

• 15 month introductory no interest APR period on purchases
• Intro Bonus: $200 after spending $500 during first 3 months of account opening
• Rewards: 5% cash back (up to $1,500) on combined purchases in bonus categories; 5% cash back on travel purchased through Chase; 3% on dining including takeout and drugstores; 1% on all other purchases.
• No annual fee
• Regular APR is 14.99% to 23.74% after intro offer expires

Chase Freedom Unlimited

• 15 month introductory no interest APR on purchases
• Intro Bonus: $200 Bonus after spending $500 during first 3 months of account opening
• Rewards: 5% cash back on groceries, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining & drug stores, 1.5% elsewhere
• No annual fee
• Regular APR is 14.99% to 23.74% after intro offer expires

American Express Blue Cash Everyday

• 15 month introductory no interest APR period on purchases
• Intro Bonus: $150 after spending $500 on purchases in first 3 months from account opening
• Rewards: 3% back on groceries, 2% back on gas, 1% back elsewhere
• No annual fee
• Regular APR is 13.99% to 23.99% after intro offer expires

Capital One Quicksilver Visa or Mastercard

• 15 month introductory no interest APR on purchases
• Intro Bonus: $150 after charging $500 on card within first 3 months
• Rewards: 1.5% cash back
• No annual fee
• Regular APR is 15.49% to 25.49% after intro offer expires

Capital One SavorOne Visa or Mastercard

• 15 month introductory no interest APR on purchases
• Intro Bonus: $150 after charging $500 on card within first 3 months
• Rewards: 3% cash back on dining and entertainment, 2% at grocery stores, 1% on other eligible purchases
• No annual fee
• Regular APR is 15.49% to 25.49% after intro offer expires

TD Cash Visa Card

• 15 month introductory no interest APR on purchases
• Intro Bonus: $150 after charging $500 on card within first 3 months
• Rewards: 3% cash back on dining, 2% at grocery stores, 1% on other eligible purchases
• No annual fee
• Regular APR is 12.99% to 22.99% after intro offer expires

Wells Fargo Cash Wise Visa®

• 15 month introductory 0% APR on purchases
• Intro Bonus: $150 introductory bonus after charging $500 with first 3 months
• Rewards: 1.5% cash back on eligible purchases
• No annual fee
• Regular APR is 14.49% to 24.99% after intro offer expires

Citi Rewards+ Mastercard

• 15 month introductory no interest APR on purchases
• Intro Bonus: 15,000 Rewards Points (not cash) after charging $1,000+ within 3 months of opening
• Rewards: 2 Rewards points per dollar at supermarkets & gas stations for the first $6,000 per year and 1 point per $1 spent other eligible items.
• No annual fee
• Regular APR is 13.49% to 23.49% after intro offer expires

SunTrust Cash Rewards World Mastercard

• 15 month introductory no interest APR on purchases
• Intro Bonus: none
• Rewards: 5% cash back on gas and groceries ($6,000 maximum) within first 12 months, 2% thereafter; 1% cash back after that
• No annual fee
• Regular APR is 11.24% to 21.24% after intro offer expires

KeyBank Latitude^® Credit Card

• 15 month introductory no interest APR on purchases
• Intro Bonus: none
• Rewards: none
• No annual fee
• Regular APR is 9.99% to 19.99% after intro offer expires

PNC Core Visa

• 15 month introductory no interest APR on purchases
• Intro Bonus: none
• Rewards: none
• No annual fee
• Regular APR is 9.99% to 19.99% after intro offer expires

Fifth Third Bank Truly Simple Mastercard Credit Card

• 15 month introductory no interest APR on purchases
• Intro Bonus: none
• Rewards: none
• No annual fee
• Regular APR is 11.99% to 22.99% after intro offer expires

Regions Life Visa Credit Card

• 15 month introductory no interest APR on purchases
• Intro Bonus: none
• Rewards: none
• No annual fee
• Regular APR is 11.99% to 21.99% after intro offer expires