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 ability to redeem for a variety of things, including cash, travel, and merchandise, but only allow you to maximize their potential by redeeming for their intended service or commodity (e.g. redeeming Sony points for Sony products, rather than cash). Once you find the 0% points credit card that best suits your needs, if any does, you can apply for it immediately online.
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: $0 for the first 60 days
Regular APR
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14.74% - 25.74% (V)
Rewards Details
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About The Amex EveryDay® Credit Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.99% - 24.99%* (V)
Rewards Details
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Additional Info
- Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
- No annual fee*
- See More Details & Reviews About TheCiti ThankYou® Preferred Card
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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16.49% - 24.49% 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
- 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 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 16.49% - 24.49% 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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14.65% - 24.65% (V)
Rewards Details
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Unlimited Points That Don’t Expire
- 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 14.65% - 24.65%, based on your creditworthiness
- No Annual Fee
- See More Details & Reviews About TheABOC Platinum 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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11% (V)
Rewards Details
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Unlimited Points That Don’t Expire
- 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 11.00% (V)
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Union Strong Credit 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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13.99% - 23.99% (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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13.49% - 23.49% (V)
Annual Fee
None
Rewards Rate
4 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 4 points for every $1 in qualifying purchases.
- 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 balance transfers requested 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 Bank 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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13.49% (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
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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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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