0% APR Points Credit Cards
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There are basically two reasons to open a 0% APR points credit card: 1) to finance costly purchases while also getting rewards and 2) to leave your credit card payments in the bank for longer and effectively boost the card’s value. If you are in the market for a 0% balance transfer points credit card, unfortunately the listings below (some of which are issued by WalletHub advertising partners) won’t be helpful, as they reflect cards offering 0% on new purchases. Before applying for one of the 0% interest rewards points credit cards listed below, be sure that you will have the discipline necessary to limit your spending to only what you can afford, despite not having to pay your bill in full every month. Also, remember to redeem your rewards points in such a manner as to garner the greatest possible value from them. Points credit cards often give you the … show more
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Purchase Intro APR
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0% for 12 billing cycles
Transfer Intro APR
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Not Offered
Regular APR
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17.24% - 25.24% Variable
Rewards Details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
Additional Info
- 0% Introductory APR for 12 billing cycles for purchases, then 17.24% - 25.24% Variable APR
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.15% - 25.15% (V)
Rewards Details
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
Additional Info
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Platinum Rewards Mastercard®
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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11.5% (V)
Rewards Details
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
Additional Info
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.50% (V)
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% for 120 days, then 5%
Regular APR
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14.74% - 27.24% Variable
Rewards Details
- Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
- Earn 3X points for eating out and ordering in
- Earn 3X points for gas stations, rideshares and transit
- Earn 3X points for travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms, and conditions
Additional Info
- $0 annual fee
- 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- See More Details & Reviews About TheWells Fargo Propel American Express® Card
Purchase Intro APR
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0% for 18 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 4% (min $10)
Regular APR
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14.74% - 24.74% (V)
Annual Fee
None
Rewards Rate
1 point / $1
Minimum Credit
Excellent
Rewards Details
- Earn one reward point for every dollar spent, with no limits.
- Points you can redeem for cash, travel or gift cards.
Additional Info
- 0% Intro APR on balance transfers requested within 90 days of account opening.
- Online and Mobile Banking
- Pay in a simple, secure and convenient way with Apple Pay
- Real-Time Fraud Monitoring
- See More Details & Reviews About TheSantander Bank Sphere Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.24% - 24.24% (V)
Annual Fee
None
Rewards Rate
4 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 50,000 bonus points after you make $750 or more in purchases during the first 3 billing cycles following account opening.
- Earn 4 points for every $1 in qualifying purchases. There’s no limit to the number of points you can earn.
- Redeem points for cash rewards, merchandise, gift cards, travel and more.
- Earn 25% bonus points on base points you earn in a billing cycle when you maintain a Virtual Wallet.
- Earn 50% bonus points on base points you earn in a billing cycle when you maintain a Performance Checking account OR Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements.
- Earn 75% bonus points on base points you earn in a billing cycle when you maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements.
Additional Info
- 0% Intro APR on balances transferred within 90 days of account opening.
- Electronic Bill Payment and Online Account Tools to manage transactions, rewards, balances or payments
- $0 Fraud Liability
- Travel & Emergency Protection
- See More Details & Reviews About ThePNC Points Visa® Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 4% (min $10)
Regular APR
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16.24% (V)
Annual Fee
$125
Rewards Rate
1.5 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 30,000 bonus points (redeemable for $300 cash) on making at least $2,000 in qualifying purchases in the first 90 days of account opening.
- Earn 1.5 points for every $1 spent on qualifying purchases
- You can redeem points for a variety of rewards, including cash equal to 1.5% of the purchases that earned you those points, as well as gift cards, travel, and merchandise
Additional Info
- 0% Intro APR on balance transfers requested within 60 days of account opening.
- Benefits: Lost Luggage Reimbursement, Purchase Security, Visa Signature Concierge, Price Protection and Trip Cancellation/Trip Interruption.
- Access your account with Regions Online Banking - check balances, make payments and more
- $0 Liability Guarantee and Overdraft Protection.
- See More Details & Reviews About TheRegions Premium Visa® Signature Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 2%
Regular APR
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11.74% - 18% (V)
Annual Fee
None
Rewards Rate
1 point / $1
Minimum Credit
Excellent
Rewards Details
- Earn 10,000 bonus rewards points when you spend $500 in the first 90 days of card membership.
- $1 cash back for every $100 you spend.
- Your points are worth 25% more when you redeem them for travel. No restrictions. No blackouts. Valid toward any commercial flight, hotel, cruise, car rental, and more.
- Double points on the first $50,000 spent towards Harvard University gifts per year.
- Redeem points for Cash Back, Travel, Harvard Coop Gift Cards or The Harvard Chair.
Additional Info
- Introductory APR on balance transfers requested within 90 days of account opening.
- Entertainment access: Purchase tickets to popular events before the general public
- Free credit card checks and Free extra cards for authorized users.
- Get access to complimentary amenities at a collection of nearly 1,000 hotel properties around the world. In addition, take advantage of special savings of up to 20% off lowest available non-restricted rates at select properties
- Other Benefits include Premium concierge service, Rental car insurance, Return protection, Extended warranty and Zero fraud liability.
- See More Details & Reviews About TheHarvard Credit Card
NO FOREIGN FEE
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Community Discussion
Comparing 0% APR Points Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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