0% Intro APR Credit Cards

U.S. & Canada Options for Financing Your Purchase

Some clients choose to finance their Qi Life purchase by using a credit card that offers a 0% introductory APR on purchases for a set period (if approved). During the promo period, you can carry a balance and pay it down over time without interest on purchases. Offers and approvals vary by credit profile and can change at any time.

How It Works

Apply for a 0% intro APR card (purchase promo)
If approved, complete your Qi Life purchase at checkout with that card
Set autopay for at least the minimum payment
Plan your payoff so the balance is paid before the promo ends (to avoid interest after the intro period)

Important: Missing payments can trigger fees and/or loss of promotional terms. Always confirm the exact terms on the issuer's site before applying. Qi Life is not a lender and does not provide financial, tax, or legal advice.

United States — 0% Intro APR on Purchases
Longest to shortest promotional periods

24 Billing Cycles

U.S. Bank Shield™ Visa® Card

0% intro APR on purchases for 24 billing cycles (also applies to balance transfers)

Details

21 Months

Wells Fargo Reflect® Card

0% intro APR on purchases for 21 months (also applies to qualifying balance transfers)

Details

15 Billing Cycles

U.S. Bank Cash+® Visa Signature® Card

0% intro APR on purchases for 15 billing cycles

Details

Bank of America® Unlimited Cash Rewards

0% intro APR on purchases for 15 billing cycles

Details

Bank of America® Customized Cash Rewards

0% intro APR on purchases for 15 billing cycles

Details

15 Months

Chase Freedom Unlimited®

0% intro APR on purchases for 15 months

Details

Chase Freedom Flex®

0% intro APR on purchases for 15 months

Details

Capital One Quicksilver Rewards

0% intro APR on purchases for 15 months (for qualifying offers/credit tiers)

Details

American Express Blue Cash Everyday®

0% intro APR on purchases for 15 months

Details

Discover it® Cash Back

0% intro APR on purchases for 15 months

Details

12 Months

Wells Fargo Active Cash® Card

0% intro APR on purchases for 12 months

Details

Citi® Diamond Preferred® Card

0% intro APR on purchases for 12 months

Details

Citi Simplicity® Card

Commonly offered with 0% intro APR on purchases for 12 months

Details

Canada — 0% Intro on Purchases
Canada has fewer widely-available 0% on purchases promos than the U.S. As of the last update, a primary national offer is:

TD Low Rate Visa* Card

0% promotional interest rate on purchases for the first 6 months

Details

Last updated: January 16, 2026

We recommend reviewing this section monthly and verifying all issuer terms before applying.