Plan Ahead and Save! Get a $200 Bonus + 0% Interest for 15 Months

Budgeting smart is the key to saving. With Yom Tov expenses in full swing and summer and camp costs right around the corner, expenses can add up fast. Instead of stretching your money too thin, consider a 0% APR credit card as a smarter way to manage your spending.

A 0% APR credit card lets you cover expenses now and spread payments comfortably over time—without paying a cent in interest. So say you spend $10,000 for your expenses over the next few months, using a 15-month 0% APR credit card gives you until June 2026 to pay it off.

Plan ahead, budget smart, and save money—stress-free!

A Go-To 0% APR Card

If you’re looking for a solid no-interest credit card, focus on two things: how long the 0% intro APR lasts and whether there’s an annual fee.

A great option is the Blue Cash Everyday® Card from American Express. It has a $0 annual fee and gives you 0% intro APR for 15 months on both purchases and balance transfers. (Rates & Fees)

The card also earns cashback on everyday purchases like 3% back at U.S. supermarkets, gas stations, and online retailers, on up to $6,000 per year in each category (then 1%). Everything else earns 1% cashback. That’s up to $540 back per year just from the 3% categories.

This card is a solid choice if you want a rewarding card to keep long term without worrying about fees. It’s also a good intro to American Express as getting this card won’t stop you from earning welcome bonuses on other Amex cards later on.

If you already have (or previously had) the Blue Cash Everyday® or currently have the Blue Cash Preferred® Card from American Express, you won’t be eligible for the welcome offer or the intro APR again.

No Hard Credit Inquiry

With Amex’s Apply with Confidence feature, you can apply and see if you’re approved for the Blue Cash Everyday card without a hard credit inquiry. If you’re approved and accept the offer, Amex will then do a hard check on your credit. If you’re already an American Express customer, they typically won’t check your credit at all.

What is 0% Interest?

As discussed, one of the biggest benefits of the Blue Cash Everyday® Card is its 0% introductory APR—you get 15 months with no interest on both new purchases and balance transfers. (Rates & Fees)

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, every payment goes straight toward your balance—not interest—so you can pay it down faster.

For example, if you spend $10,000, your minimum monthly payment would be about 2% of the balance, or around $200. But to pay it off completely within the 15-month period, you'd need to pay closer to $666 per month—with every dollar going directly toward your balance.

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-to-Amex balance transfers aren’t allowed).

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, you’ll pay no interest for 15 months, giving you the chance to pay off the balance faster and save thousands in interest.

Use Your Card Instantly

American Express may give you a temporary card number if 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).

 

Application Pointers

Check Application Status: If your application is pending, you can check your status online at AmericanExpress.com/Application-Status or call 1-800-567-1083. Sometimes, all a bank needs is a quick verification to approve you.

Application Declined: If your application is declined, you can call and ask for a reconsideration within 30 days without a new credit check, or up to 90 days with one. If needed, you can ask them to move credit from another Amex card or even close an old card to get approved for this one.

Income verification: If Amex asks for income verification, recent bank statements or tax returns work—even if the figures don’t match perfectly, since Amex knows income can fluctuate or come from various sources.

Eligibility for the Welcome Offer

Amex has a few guidelines when it comes to who qualifies for a welcome offer. They look at your overall history with them, which may include whether you’ve had certain Amex cards before, how many cards you’ve opened or closed, and a few other factors. If you’ve had the Blue Cash Everyday® Card before—or a similar one—you might not be eligible for the welcome offer again.

For this card in particular, you may not qualify if you’ve previously held any of the following: the Blue Cash Everyday® Card, the Cash Magnet® Card, Blue Cash Preferred® Card from American Express, or the Morgan Stanley Blue Cash Preferred® Card. The good news is that Amex will usually let you know upfront. If you're not eligible, you’ll see a pop-up notification before submitting your application—so you’ll have the option to move forward without the bonus or check out other cards that may still offer an intro deal.

Maximizing Your Credit Limits

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 earn rewards from a second card or increase your overall available credit.

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—leaving you with $29,000 on one and $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. You can build high credit limits over time without applying for new cards.

Final Thoughts

The Blue Cash Everyday® Card is a smart choice if you want to manage big purchases or pay down debt without interest. With 15 months of 0% APR, you get extra time to pay things off, helping you stay in control of your budget.

You’ll also earn a $200 welcome bonus and cash back on groceries, gas, and online shopping—making it a solid choice for everyday use.

If you're looking to stretch your budget and avoid high-interest charges, this card is worth a look. And with Amex’s Apply with Confidence feature, you can check if you’re approved before it impacts your credit score.

Used wisely, it’s a simple way to give yourself some financial breathing room.

Learn More about the Blue Cash Everyday® Card from American Express →

 

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NON-AFFILIATE DISCLOSURE

All information about the Cash Magnet® Card from American Express and the Morgan Stanley Blue Cash Preferred® American Express Card has been collected independently by PzDeals.com. These cards are no longer available through PzDeals.com, and we do not have affiliate relationships for them.