0% intro APR on purchasesUpdated: July 3, 2017

We talk a lot about credit cards with long 0% intro APR periods on balance transfers, but what if you’re looking for a lengthy 0% intro APR on purchases? If you have a large purchase planned in the near future, chances are you may want some extra time to pay off the purchase. A credit card that offers a year or more of 0% intro APR is the perfect solution. You’ll have plenty of time to pay down the balance without accruing additional interest, and you can buy your big-ticket item, pay for your vacation or whatever else in the time frame that makes the most sense. What’s more, if you use a card that offers a long 0% intro APR with cash back rewards, you’ll be able to earn rewards on a purchase you’re already planning to make — it’s a win-win! Want to know which credit cards offer a 0% intro APR on purchases? We’ve got you covered.

Cards with long 0% intro APRs on purchases and cash back rewards

If you’re looking to pay off your purchase at your own pace and earn some cash back rewards, these are the cards for you. Before we dig into the details, it should be noted that there are a handful of cards offering a longer 0% intro APR on purchases, but lack the cash back rewards. Click here to view our list of the cards with a long 0% intro APR on purchases (without the cash back rewards).

0% intro APR on purchasesWant to avoid interest for 15 months? Chase Freedom – $150 Bonus may be the card for you, as it features an attractive combination of cash back rewards, no annual fee and 15-month 0% intro APR on purchases and balance transfers (there is a balance transfer fee of 5% of the amount of each transfer). You can earn 5% cash back on purchases in quarterly rotating categories (up to $1,500 per quarter, then 1%) — you can earn 5% at grocery stores (not including Target or Walmart) and drug stores from April through June 2017 — and an unlimited 1% cash back on all other purchases. You will need to sign up each quarter for the bonus categories, but Chase makes it easy with reminders via text, email or your online calendar. In addition to these ongoing rewards, you’ll earn a $150 cash back bonus if you spend $500 within the first 3 months of card ownership. Rewards don’t expire as long as your account is open, and there are tons of redemption options, including statement credits, cash deposited to your bank account, transfer or combine them with another Chase card’s rewards, or redeem for a wide selection of gift certificates or 1:1 at Amazon.com to pay for all or part of your purchase. It should be noted that if you’re not planning to make a purchase in one of the rotating categories, you may want to look into Chase Freedom Unlimited, which earns an unlimited 1.5% cash back on every purchase, has a 15-month 0% intro APR on purchases and balance transfers (with a 5% balance transfer fee) and offers the same $150 bonus opportunity.

0% intro APR on purchasesThe Discover it – Cashback Match is a powerhouse of a rewards credit card that also offers 14 months of 0% intro APR on both purchases and balance transfers (with a 3% balance transfer fee) and some impressive cash back rewards. Ranked as the top-rated card for customer satisfaction according to a 2016 study by J.D. Power, the Discover it – Cashback Match earns users 5% cash back in rotating categories that change quarterly (up to the quarterly maximum, currently $1,500, then it’s 1%) — you’ll earn 5% at home improvement stores and wholesale clubs (e.g., Sam’s Club and Costco.com) from April through June — as well as 1% cash back on all other purchases. You need to sign up for the 5% rewards each quarter, but Discover makes that easy to remember with reminder emails you can register for. In addition, Discover will match all the cash back you earn in your first year at the end of the year — meaning, if you earn $250 throughout the year, you’ll get another $250 for a total of $500 back. That’s a great deal! Cash back rewards can be redeemed for a direct deposit into your bank account, statement credit on your Discover card, gift cards or eCertificates and more. Other perks of this card include no annual fee, Discover Freeze it that lets you freeze your account from a smartphone or computer if it comes up missing and no foreign transaction fees.

0% intro APR on purchasesRounding off our list of cards with a long 0% intro APR on purchases and cash back rewards is the Wells Fargo Cash Wise Visa Card. In addition to a 0% intro APR on both purchases and balance transfers for 12 months (with an intro 3% balance transfer fee for the first 12 months, then it’s 5%), this credit card earns cardholders an unlimited 1.5% cash rewards on every purchase. There’s more good news if you use Apple Pay or Android Pay because you can earn 1.8% cash rewards on qualified mobile purchases you make in the first 12 months. On top of that, you’ll get a $200 bonus after spending $1,000 in the first 3 months, which is great if you plan to make a rather large purchase with the card. Cash rewards can be redeemed for a statement credit, cash into your Wells Fargo checking or savings account or as a paper check, or for airline tickets, merchandise or gift cards and even to pay down eligible Wells Fargo loans and mortgages. There is no annual fee associated with this card, but there are 3% foreign transaction fees, which means it may not be the best card to use outside of the country. Cardholders will also get up to $600 protection on their cell phone against covered damage or theft (note there is a $25 deductible).

Cards with long 0% intro APRs on purchases

0% intro APR on purchasesIf you’re looking for nearly 2 years to pay off your purchases, look no further than the Citi Diamond Preferred Card (a NextAdvisor advertiser). Not only does this credit card offer new users a whopping 21 months of 0% intro APR on purchases, but you also get 0% intro APR for 21 months on balance transfers (note that there’s a 3% balance transfer fee). Another perk of this card is the ability to choose your own due date, so you can align it with your paychecks to avoid late fees. Speaking of fees, Citi Diamond Preferred Card customers don’t pay an annual fee, though there is a foreign transaction fee of 3% per transaction for charges made outside the U.S. Cardholders also enjoy perks like a personal concierge service, access to exclusive events like concerts and sporting events through Citi’s Citi Private Pass Program and extended warranty on purchases made with the card.

0% intro APR on purchasesAlso offering 21 months of 0% intro APR on purchases as well as balance transfers (with a 3% balance transfer fee) is the Citi Simplicity Card – No Late Fees Ever. As its name suggests, this card also offers users the benefit of no late fees or annual fee, though you will have to pay foreign transaction fees (3% per charge) if you use your card abroad. To keep you on track of your payments and credit limit, you can set up automatic email and text alerts, as well as choose your own payment due date. Other perks of this credit card include Citi Price Rewind, which looks for a lower price on something you bought with your Citi card at retailer sites for up to 60 days after the purchase date. If a cheaper item is found, you can be refunded the difference between what you paid and the lower price, up to $300 (maximum $1,200 annually). If you’re buying that big ticket item, this feature can give you peace of mind that you’re going to get the best price possible.

None of these cards strike your fancy? Head over to our low APR credit card reviews to see in-depth assessments of all different kinds of credit cards offering 0% intro APRs on purchases.

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