Best 0% Intro APR Credit Cards for Ohio

Discover it^® Cash Back

With the Discover it^® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers until 2025 while earning cashback rewards indefinitely at 99% of merchants!

Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then APR 17.24% - 28.24% Variable. This is a great time period to pay down credit card debt or help finance a large purchase without adding interest charges. 

Even better, you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically.

New cardholders can also enjoy a fantastic welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. That's double the cash back on purchases while enjoying no interest until 2025.

Annual Fee: $0

Click here to apply for the Discover it^® Cash Back now.

Bank of America^® Unlimited Cash Rewards credit card

If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America^® Unlimited Cash Rewards credit card.

Enjoy a 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 19.24% - 29.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards® member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America^® Unlimited Cash Rewards credit card now.

Wells Fargo Reflect^® Card

Imagine getting 21 months from account opening with an intro 0% APR on balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect^® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, or 29.99% Variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect^® Card now.

Citi Double Cash^® Card

Wipe out high interest rates until nearly 2026!

The Citi Double Cash^® Card features a category-leading 18 months of 0% intro APR on balance transfers; then 19.24% - 29.24% (Variable). Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!

The Citi Double Cash^® Card has no annual fee. On top of that, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24 with the Citi Double Cash^® Card(Rates and fees).

Annual Fee: $0

Click here to apply now for the Citi Double Cash^® Card

Discover it^® Chrome

A card like this could be a godsend if you're trapped in debt that you're trying to pay off. It's called the Discover it^® Chrome, and it's offering something incredible: 18 months of intro 0% APR on balance transfers! (Then 17.24% - 28.24% Variable.) 

Transfer any of your debt that's rapidly accruing interest to this card, so you can take advantage of the 0% intro APR on balance transfers for 18 months. By transferring your debt, you can skirt around aggressive interest rates — and save potentially hundreds in charges.

Even better: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. And, Discover will match all the cash back you’ve earned at the end of your first year.

You'll also receive a much-welcome intro APR of 0% for 6 months on purchases. After the intro period for purchases and balance transfers, the APR is 17.24% - 28.24% Variable. The annual fee is a cool $0 for the Discover it^® Chrome(Rates and fees).

Click here to apply now to the Discover it^® Chrome

Bottom Line

The Discover it^® Cash Back(Rates and fees) is a great choice for a cash back credit card. Cardholders can benefit from a generous welcome offer, earn up to 5% cash back, and enjoy an introductory no-interest period on purchases and balance transfers — all without an annual fee.

• Cash Back Rewards: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Amazing Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year.

• No Caps on Bonus Rewards: There is no minimum spending threshold and no maximum to the amount of cash back rewards you can earn with the first-year bonus. 

• Low Intro APR: Enjoy a 0% introductory APR for 15 months on purchases and balance transfers. After the intro period, the APR is 17.24% - 28.24% Variable.
  
• $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.

» Click here to apply now