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Save Money On Big Expenses With A 0% Apr Credit Card

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Save Money On Big Expenses With A 0% Apr Credit Card

03/26/25 09:37 pm

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Plan Ahead. Save Money.

Earn a $200 Bonus + Enjoy 0% Interest for 15 Months

Smart budgeting isn’t just about cutting back—it’s about planning ahead. With Yom Tov expenses in full swing and summer (plus camp) shopping coming up fast, costs can add up quickly. Instead of dipping into savings, straining your cash flow, or swiping a high-interest card, a smarter move is to use a 0% APR credit card.

Let’s say you spend $10,000 between now and summer. With a 15 month 0% APR card you have until June 2026 to pay it off—interest-free. That’s extra time to manage your budget without draining savings or paying hundreds in interest.

Important: Only use a 0% APR card for expenses you can comfortably repay. Overspending can lead to debt and interest charges once the intro period ends.

Choosing The Right Card

One of the best 0% intro APR offers right now is the Blue Cash Everyday® from American Express. It gives you 0% intro APR for 15 months on purchases and balance transfers (after that the variable APR will be 18.24%-29.24%), has no annual fee, and you can earn a $200 statement credit after spending $2,000 in the first 6 months. (Rates & Fees)

You also earn cashback on everyday spending. Earn 3% cashback at U.S. supermarkets, U.S. gas stations, and U.S. online shopping (up to $6,000 per category annually, then 1%) and unlimited 1% back on all other spending. That’s up to $540 in cashback from the 3% categories, add the $200 welcome bonus and you’re looking at around $740 in value your first year.

Since it has no fee and earns rewards, there’s no reason to close it—keeping it helps grow your credit history.

How Does 0% Interest Work?

0% APR on Purchases

The 0% intro APR on purchases lets you buy what you need now and pay it off over 15 months without paying interest. During this time, there is still a monthly minimum payment but every payment goes straight toward your balance, not interest, so you can pay it down faster without adding extra costs

0% APR on Balance Transfers

You can also use this card to pay off high-interest credit card debt by transferring a balance from another bank (note: Amex doesn’t allow balance transfers from another Amex card.).

Let’s say you have a $10,000 balance on a credit card with a 20% APR. Over 15 months, you’d pay about $2,250 in interest—and barely reduce your balance. By transferring that debt to the Blue Cash Everyday® Card, with no interest for 15 months (after that the variable APR will be 18.24%-29.24%), you can pay off the balance faster and save thousands in interest.

What To Know Before Applying

No Hard Inquiry: You can get approved by Amex without a hard credit inquiry. If you’re approved and accept the offer, Amex will then do a hard credit check on your Experian credit report.

If you’re already an American Express customer, they typically won’t check your credit at all.

Get Card numbers right away: American Express may give you a temporary card number when you're approved so you can start using it immediately, even before your physical card arrives in the mail (anywhere from 3–10 business days).

Who's Eligible?: American Express has a few guidelines around who qualifies for a welcome offer. You won’t be eligible for the welcome offer if you’ve had the Blue Cash Everyday® Card, the Blue Cash Preferred® Card from American Express, or the Morgan Stanley Blue Cash Preferred® Card before.

When you apply, you’ll see a pop-up message letting you know if you're eligible for the welcome offer. If you are, you can choose to accept it. If not, you'll see a message saying you're ineligible for the offer, you can either accept without the offer or cancel the application and try a different card.

Check Application Status: If your application is pending, you can check your status online here or call 1-800-567-1083.

Application Declined: If your application is declined, you can call Amex’s reconsideration dept at 1-800-567-1083 or 1-877-399-3083 and ask for a reconsideration within 30 days without a new credit check, or up to 90 days with one.

Tip: You can ask them to move credit from another Amex card or even close an old card to get approved for this one.

Applying for Two Cards: Amex may approve a second card on the same day you're approved for the first one, without an extra inquiry. This can be a good way to increase your credit limits.

Reallocating Credit Limits: If you already have other Amex cards and want to increase the limit on your 0% APR card, you can move credit limits between them.

For example, if one card has a $20,000 limit and another has $10,000, you could move $9,000 to the card you plan to use more—making it $29,000 and leaving only $1,000 on the other.

Credit Limit Increases: Amex lets you request a credit limit increase of up to 3X your current limit every six months. Get high credit limits over time without applying for new cards.

Is it For Me?

The Blue Cash Everyday® Card is a smart move if you want to manage big purchases or pay down debt without interest. With a $0 annual fee and 15 months of 0% APR (after that the variable APR will be 18.24%-29.24%), you get extra time to pay things off without added costs. (Rates & Fees)

You’ll also earn a $200 welcome bonus and cash back on categories you already spend in. And with Amex’s “Apply with Confidence” you can see if you’re approved before it impacts your credit.

Bottom Line: If you have expenses coming up, the Blue Cash Everyday® Card gives you more time, more rewards, and zero interest. That’s a smart way to plan ahead and keep more money in your pocket.

Explore the Blue Cash Everyday® Card from American Express →

DISCLAIMER:

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

EDITORIAL DISCLAIMER

All information on this site has been collected independently by PzDeals.com. All opinions, reviews, and analyses on this site are the author’s own and have not been reviewed, endorsed, or approved by any credit card companies. While we may receive compensation from some of these companies, it does not influence our opinions or recommendations.