Best 0% Intro APR Cards for Prime Day Shopping

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If you're planning to make larger purchases during Prime Day and want the flexibility to pay them off over time without interest, these cards offer generous 0% introductory APR periods:

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1. Citi Double Cash® Card

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Key benefits:

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• 18 months 0% APR on balance transfers (21 months on purchases for select applicants)

• 2% cash back on all purchases (1% when you buy, 1% when you pay)

• No annual fee (Rates & Fees)

• 18.24%-28.24% variable APR after intro period

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Perfect for earning rewards while having breathing room to pay off purchases.

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2. Capital One Quicksilver Cash Rewards Credit Card

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Prime Day features:

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• 15 months 0% APR on purchases and balance transfers

• 1.5% cash back on all purchases

• $200 cash bonus after spending $500 in first 3 months

• No annual fee (Rates & Fees)

• Can redeem cash back directly at Amazon checkout

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3. Chase Freedom Flex®

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What makes it great:

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• 15 months 0% APR on purchases and balance transfers

• 5% cash back on rotating quarterly categories (sometimes includes Amazon)

• 3% cash back on dining and drugstores

• 1% cash back on all other purchases

• $200 bonus after spending $500 in first 3 months

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[[ SINGLE_CARD * {"id": "2883", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "Solid Sign-Up Bonus"} ]]

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4. Wells Fargo Reflect® Card

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Why it's perfect for big Prime Day purchases:

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• 21 months 0% APR on purchases and qualifying balance transfers

• No annual fee

• Up to $600 cellphone protection when you pay your monthly bill with the card

• 17.24%-28.99% variable APR after intro period

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This card offers one of the longest 0% APR periods available, giving you nearly two years to pay off Prime Day purchases without interest.

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Strategic Tips to Maximize Your Prime Day Rewards

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Time Your Credit Card Applications

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If you're planning to apply for a new credit card for Prime Day, apply at least 7-10 days in advance to ensure you receive your card in time. Many issuers offer virtual card numbers that you can use immediately upon approval.

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Stack Your Savings

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1. Use targeted offers: Check for Amex Offers, Chase Offers, or other bank-specific Amazon promotions
2. Redeem strategically: Some cardholders may be eligible for up to 50% off Amazon purchases when redeeming just 1 point
3. Shop through portals: Use shopping portals like Capital One Shopping for additional coupon codes

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Consider 0% APR Offers

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Prime Day deals can be tempting, especially on big-ticket items like electronics, appliances, and home goods. Cards with 0% introductory APR periods give you breathing room to pay off larger purchases without interest charges - some offering up to 21 months of interest-free financing.

Special Prime Day Credit Card Promotions

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Increased Welcome Bonuses Timed for Prime Day

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Several credit cards have increased their welcome bonuses specifically for Prime Day 2025:

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• Prime Visa: $200 Amazon gift card (up from $150)

• Various Amex cards: Targeted offers for up to 50% off with 1 point redemption

• Discover cards: Up to $20 credit for adding your card to Amazon

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Kudos Kickstart+ Program

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Select users may be eligible for an additional $100 Kudos Boost when applying for the Prime Visa through Kudos, bringing the total welcome value to $300. Kudos Kickstart+ is a welcome benefit that provides eligible users with $100 in Kudos Boost when approved for qualifying credit cards through the Kudos platform. 

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Step-by-Step Process:

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1. Check eligibility: Log into your Kudos account and look for cards with the "Kickstart+ Eligible" badge in the Explore section
2. Apply through Kudos: Submit your credit card application through the Kudos mobile app or web portal
3. Get approved: Receive approval from the card issuer
4. Add to wallet: Add your new card to your Kudos wallet within 30 days of approval
5. Receive boost: Get your $100 Kudos Boost within 14 business days

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Key Details:

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• Available to select users only - not everyone will see the Kickstart+ badge

• One credit per card type per member

• Credits expire after 12 months

• Can be redeemed for Amazon gift cards (more options coming soon)

• Must apply through Kudos to be eligible

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This program is particularly valuable for Prime Day shopping since you can use your Kudos Boost for Amazon purchases, effectively stacking it with Prime Day deals and credit card rewards.

Maximizing Your Prime Day Strategy

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Before Prime Day (July 8):

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• Apply for your chosen credit card

• Preview deals and add items to your wishlist

• Check for targeted credit card offers

• Ensure your card is set as your default payment method

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During Prime Day (July 8-11):

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• Use your highest-earning card for Amazon purchases

• Take advantage of no-rush delivery bonuses if available

• Monitor flash deals and limited-time offers

• Use any accumulated rewards or statement credits

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After Prime Day:

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• Track your rewards earnings

• Pay off balances to avoid interest charges

• Consider whether to keep new cards long-term

Which Card Should You Choose?

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For Prime Members: The Prime Visa is the clear winner with its 5% cash back, special Prime Day bonuses, and instant $200 gift card.

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For Non-Prime Members: The Blue Cash Everyday from American Express offers solid 3% cash back on online purchases without requiring a Prime membership.

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For Flexibility: The Wells Fargo Active Cash provides a flat 2% back on everything, making it simple and effective for all your shopping.

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For Big Spenders: Consider cards with 0% APR periods like the Wells Fargo Reflect Card (21 months), Chase Freedom Flex (15 months), or Capital One Quicksilver (15 months) if you want to spread payments over time.

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For Maximum Financing Flexibility: The Wells Fargo Reflect Card offers the longest 0% APR period at 21 months, perfect for expensive electronics or home goods purchases.

Final Thoughts

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Amazon Prime Day 2025 represents a perfect storm of opportunity: enhanced credit card sign-up bonuses, extended shopping timeframe, and deep discounts on thousands of items. By choosing the right credit card and timing your application strategically, you can maximize your rewards while minimizing your costs.

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Remember, the best credit card for Prime Day is the one that aligns with your spending habits and financial goals. Whether you choose the Prime Visa for maximum Amazon rewards or a general cash back card for flexibility, the key is to have your strategy in place before July 8th arrives. Don't let this opportunity pass you by – Prime Day 2025 is shaping up to be the best yet for credit card rewards optimization.