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Best 0% Intro APR Cards Of August 2026

The best 0% intro APR credit cards for financing a big purchase, or paying one off.

How it works

  1. I include a range of travel & rewards cards on this page that I find useful in a specific category, but don’t intend to list every potential credit card out there
  2. Compare cards using the filter to find the right benefit or feature for your household spending
  3. Find my category specific recommendations under the filter options on each category page

Compare 0% Intro APR Cards

Back
0% APR
Bonus Offers
Cash Back
Dining
Fuel
Groceries
No Annual Fee

Ben Schlappig | Last Updated: June 25, 2026

Drugstores
Chase Freedom Unlimited

Chase Freedom Unlimited®

Earn a $200 Bonus
Drugstores
  • Earn 3% Cash Back on Dining
  • Earn 3% Cash Back at Drugstores
  • Earn 1.5% Cash Back On All Other Purchases
Learn More
The Freedom Unlimited is the credit card that I’ve spent the most money on over the past few years. It’s a vital card as part of an overall strategy for earning Chase Ultimate Rewards points, especially in conjunction with the Sapphire Preferred or Sapphire Reserve. Let me make my advice as concise as possible here: if you have the Sapphire Preferred or Sapphire Reserve, then you absolutely should have the Freedom Unlimited so you’re maximizing your return on everyday, non-bonused spending. Earning 1.5x Ultimate Rewards points per dollar is excellent.
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Enjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Learn more from these OMAAT posts:

Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: Enjoy 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 18.24% - 27.74%.
Intro Balance Transfer APR: Enjoy 0% Intro APR for 15 months from account opening on balance transfers, then a variable APR of 18.24% - 27.74%.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • 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

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Blue Cash Everyday® Card from American Express

As High As $200 cash back*
  • 3% Cash Back at U.S. Supermarkets*
  • 3% Cash Back at U.S. gas stations*
  • 3% Cash Back on U.S. online retail purchases*
Learn More
If you’re looking for a no annual fee personal American Express cash back card, the Amex Blue Cash Everyday Card is as good as it gets. The card offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and a solid welcome offer, plus it gives you access to Amex Offers.
Read OMAAT Review >

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 on up to $6,000 per year in purchases (then 1%).

Learn more from these OMAAT posts:

See Rates & Fees
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
Intro Purchase APR: Enjoy 0% intro APR on purchases for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
Intro Balance Transfer APR: Enjoy 0% intro APR on balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • 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 on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.