Best Rewards Credit Cards With 0% APR on Purchases

Rewards are great, but they shouldn’t come at the expense of paying high interest charges. If you have an upcoming large expense that you can’t pay off immediately, a rewards credit card with a 0% introductory APR on purchases can give you extra time to pay your balance while still earning valuable points, miles, or cash back.

Here are our favorite rewards credit cards offering extended introductory APR periods on purchases.

Best for Flat-Rate Earnings: Capital One VentureOne Rewards Credit Card

If you want to earn points while saving on interest, the Capital One VentureOne Rewards Credit Card is an excellent choice.

You’ll earn a flat 1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. The miles you earn can be transferred to each of Capital One’s 22 transfer partners for maximum value. You can even enroll in Hertz Five Star status to get upgrades, bonus points, and a wider selection of premium cars for your next rental.

Plus, Capital One doesn’t charge foreign transaction fees, so it’s perfect for use on an international trip during the low intro APR period.

The Capital One VentureOne offers a 0% intro APR on purchases for 15 months, so it’s a great card to use if you need extra time to pay off your purchases. Its benefits are in its simplicity — no rotating or bonus categories to track or credits to remember to use — just flat-rate earnings and ease.

Best for Cashback and Credits: Blue Cash Everyday^® Card from American Express

The Blue Cash Everyday^® Card from American Express is a great option for families that spend a lot on groceries, gas, and online shopping every month. Cardholders earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category (up to $6,000 per year, then 1%), and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout..

You’ll also be able to take advantage of an $84 annual Disney streaming credit (split $7 statement credits each month) on subscriptions through DisneyPlus.com, Hulu.com, or Stream.ESPN.com. While you might not be able to cover the full cost of your Disney streaming subscription with this credit, it still represents meaningful savings if you are already a subscriber.

If you need some time to pay off a large purchase, you can enjoy a low intro APR window of 0% on purchases for 15 months from account opening.

Best for Travel and Groceries: Citi Strata℠ Card

Every transferable points currency has unique transfer partners, and Citi ThankYou Points are no different. If you want access to American Airlines AAdvantage as a transfer partner and an extended intro APR period on purchases, it’s hard to beat the Citi Strata℠ Card.

As a cardholder, you’ll earn 5X on Citi Travel℠ bookings (including hotels, car rentals, and attractions); 3X on supermarkets, gas and EV charging stations, select transit, and one self-selected category (choose from fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores); 2X at restaurants; 1X on everything else. Any card that lets you customize your earnings to your spending habits will always be a fan favorite. You’ll also earn unlimited points in your bonus earning categories, which makes it somewhat unique when compared with other no-annual-fee credit cards.

While you will have access to all of Citi’s 21 transfer partners, your transfers will occur at a lower ratio than premium Citi cards. For instance, as a cardholder, you can transfer your points to several airline partners, including American Airlines, but at a 1:0.7 ratio.

However, if you hold one of Citi’s premium cards like the Citi Strata Premier^® Card or Citi Strata Elite℠ Card, you can combine your rewards to transfer at better ratios.

New cardholders can enjoy a 0% intro APR on purchases for 15 months.

Best for Rotating Bonus Categories: Chase Freedom Flex℠

The Chase Freedom Flex℠ is one of the most popular cash-back credit cards on the market, thanks to its lucrative earning potential. You’ll earn 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases.

Historically, Chase’s 5% bonus categories have included both specific merchants and general categories. One quarter, you might earn bonus cash back with retailers like Amazon and Target, while the next quarter, it’s merchants in a category like dining and fitness clubs. More often than not, you’ll be able to maximize your 5% earning category, up to the $1,500 quarterly maximum.

One of the best parts of being a Freedom Flex cardholder is that the cash back you earn is awarded as Chase Ultimate Rewards points. If you hold another Ultimate Rewards-earning credit card like the Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^®, you can combine your points across accounts to unlock access to Chase’s 14 transfer partners.

In terms of an introductory APR offer, you can enjoy a 0% introductory APR on purchases for 15 months. That means the Freedom Flex helps you pay off big purchases for over a year while also being a fantastic card to keep in your wallet long after the intro period ends.

Note that this isn’t a great card to use abroad, as it charges a foreign transaction fee of 3% of each transaction in U.S. dollars. However, Chase is removing this fee on September 20, 2026.

The U.S. Bank Altitude^® Connect Visa Signature^® Card is somewhat of a unicorn. You’ll earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4X points on travel, 4X points on gas stations, and EV charging stations (on up to $1,000 spent per quarter), 2X points on streaming services, plus 2X points at grocery stores, grocery delivery, and dining. That’s a solid earning potential for a card that doesn’t charge any annual fees.

However, what really sets it apart is that it offers four visits to Priority Pass lounges each year, an application fee credit for TSA PreCheck or Global Entry enrollment, and 5 GB of data every month through GigSky. There’s a lot to love about this card, including its intro APR: 0% on purchases for the first 15 billing cycles.

The one downside is that U.S. Bank doesn’t offer any transfer partners, so the rewards you earn can only be redeemed toward travel or as a deposit to an eligible U.S. Bank account.

U.S. Bank Altitude^® Connect Visa Signature^® Card

Welcome Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

U.S. Bank Altitude^® Connect Visa Signature^® Card

Welcome Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

Annual Fee:$0

Show moreWhy We Like ItEarning Rates

The U.S. Bank Altitude^® Connect Visa Signature^® Card offers 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center and an impressive 4X points on travel. Everyday purchases also earn generously, with 2X points at grocery stores, grocery delivery, dining, and streaming services. Cardholders benefit from a $30 annual streaming service credit applicable to popular platforms like Netflix, Apple TV+, and Spotify. Additional perks include a complimentary Priority Pass™ Select membership with 4 free airport lounge visits annually, up to $100 statement credits for TSA PreCheck^® or Global Entry^® fees every four years, and cell phone protection up to $600. This card skillfully balances travel benefits with everyday value​​​​​​​​.

• 5X points on prepaid hotels and rental cars booked through the Altitude Rewards Center
• 4X points on other travel, including airlines, hotels, rental cars, cruises, taxis, trains, and limousines.
• 4X points at gas stations and on electric vehicle charging (on up to $1,000 in spending each quarter)
• 2X points at grocery stores, grocery delivery, dining, and streaming services
• 1 point on all other eligible purchases

Best for Personalization: Bank of America^® Customized Cash Rewards credit card

The Bank of America^® Customized Cash Rewards credit card is perfect for anyone who wants complete customization of their credit card. You will earn 6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you’re a Bank of America Preferred Rewards
member, you can earn 25%–75% more cash back on every purchase.

Eligible categories include gas and EV charging stations, online shopping, dining, travel, drug stores and pharmacies, and home improvement and furnishings. Online shopping includes cable, internet, phone plans, and streaming services. Double cash back for your first year as a cardholder means you can reach your quarterly maximum even faster.

You can also enjoy a 0% Intro APR for 15 billing cycles for purchases.

Top 0% Introductory APR Credit Cards for Purchases

We only included cards with an introductory APR window of at least 15 months. There are other great cards, like the Wells Fargo Autograph^® Card, that offer shorter intro APR windows. However, before applying for a card, make sure you can pay off the balance in full by the end of the intro APR period without making late payments.

Similarly, this is a list of the best rewards cards with a low intro APR on purchases. That means we aren’t including some of the credit cards with the longest intro APR period, like the Wells Fargo Reflect^® Card, Chase Slate^® Credit Card, or Citi Simplicity^® Card because they don’t earn rewards.

Here are a few things to consider when evaluating the best card for your situation:

• How long will you need to pay off the purchase?
• Which rewards currency provides the best return on your spending?
• Does the card charge any annual or foreign transaction fees?
• Will the card still be valuable after the introductory APR period ends?

Here’s an overview of the top 0% intro APR credit cards:

Credit Card	0% APR Period on Purchases	Regular APR	Earning Potential	Annual Fee
Chase Freedom Flex℠	15 months	19.24% – 27.99% Variable APR	5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases	$0
Citi Strata℠ Card	15 months	18.49% – 28.49% Variable APR	5X on Citi Travel℠ bookings (including hotels, car rentals, and attractions); 3X on supermarkets, gas and EV charging stations, select transit, and one self-selected category (choose from fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores); 2X at restaurants; 1X on everything else	$0
Capital One VentureOne Rewards Credit Card	15 months	18.49% – 28.49% Variable APR	1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel	$0
Blue Cash Everyday® Card from American Express	15 months	19.49% – 28.49% Variable APR – Rates & Fees	3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category (up to $6,000 per year, then 1%), and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.	$0 – Rates & Fees
U.S. Bank Altitude® Connect Visa Signature® Card	15 billing cycles on purchases	17.49% – 27.49% Variable APR	5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4X points on travel, 4X points on gas stations, and EV charging stations (on up to $1,000 spent per quarter), 2X points on streaming services, plus 2X points at grocery stores, grocery delivery, and dining	$0
Bank of America® Customized Cash Rewards credit card	for 15 billing cycles for purchases	18.24% – 28.24% Variable APR on purchases and balance transfers APR	6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you’re a Bank of America Preferred Rewards member, you can earn 25%–75% more cash back on every purchase	$0
Chase Freedom Unlimited® (Rates & Fees)	15 months	18.24% – 27.74% Variable APR	5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases	$0
Discover it® Cash Back	15 months	17.24% – 28.24% Variable APR	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Unlimited 1% cash back on all other purchases – automatically.	$0
Capital One Quicksilver Cash Rewards Credit Card	15 months	18.49% – 28.49% Variable APR	5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel 5% cash back on purchases through Capital One Entertainment 1.5% cash back on every purchase, every day	$0
U.S. Bank Cash+® Visa Signature® Card	15 billing cycles on purchases	17.74% – 27.99% Variable APR	5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% on one everyday category (like gas or groceries), and 1% on all other eligible net purchases	$0

Related: Best 0% APR Balance Transfer Credit Cards

Final Thoughts

There’s a lot to consider when evaluating the best rewards cards with a 0% intro APR on purchases. You want a card with a long intro APR window so you have plenty of time to pay off your purchase, but you also want a card that earns valuable rewards on those purchases. There are plenty of cards that do one or the other, but finding a card that checks all the boxes can be challenging.

Luckily for you, all the cards listed charge no annual fee, so you have access to low (or no) cost financing for larger purchases that accept credit card payments.