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Which 0% APR Cards Are Approving The Highest Limits?

- Nov 27, 2022 Credit Card Info3 comments

Are you looking for a 0% APR credit card but you want to get approved for a high credit limit? Here are the cards that we are currently seeing approving the highest limits. 

Business 0% APR cards

The Chase Ink cards are approving very generously now. You can get approved for both the Ink Cash and Ink Unlimited and Chase will usually approve both cards with the same credit limit. So if you get approved for the first one, then immediately go for the second one (it’s important not to apply for the second card before the first card is approved. If the first card is pending then wait until it’s approved before you apply for the second card).

Ink Business Unlimited® Credit CardEarn 90,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 16.24% to 22.24% variable).

Ink Business Cash Credit Card –   Earn 90,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 16.24% to 22.24% variable).

You can also try the card_name. I have seen someone getting approved for 2 card_name with a $40k limit on each! The best part about the card_name is that Marcus by Goldman Sachs will first do only a soft pull and then let you know if they will approve you or not and the exact credit limit you will get. Only after you accept the approval will they do a hard pull. 

card_name – Earn $750 in Bonus Earnings to redeem with GM after spending $5,000 within the first 5 months. Intro 0% APR for 12 months on purchases (after that 19.24% to 29.24% variable).

Personal 0% APR cards

For personal 0% APR cards, in general, we are currently seeing the best limits being approved by Bank of America.

Do two Bank of America cards one, after the next. Bank of America will approve both with only one credit inquiry (Bank of America only pulls your credit once in 30 days). Plus, both cards will usually get approved for similar credit limits. For example, if you got approved for $20k on the first card then you will get another $20k on the second one.

Bank AmeriCard –  Intro 0% APR for 21 months on purchases and balance transfers (after that 14.99% to 24.99% variable).

Bank Of America Customized Cash Rewards Credit Card – Earn $200 after spending $1,000 within the first 3 months. Intro 0% APR for 18 months on purchases and balance transfers (after that 16.99% to 26.99% variable).

Other good cards to try are from Citizen Bank, 2 Amex cards if you’re an existing customer, or two Chase personal cards (with Chase it’s important not to apply for the second card before the first card is approved. If the first card is pending then wait until it’s approved before you apply for the second card).

Full list of all 0% APR cards here.

Doing multiple cards at once

If you want to apply for multiple cards at once then use this order and setup in order to split up the credit inquiries and maximize approvals. 

  1. Wells Fargo – (Experian) 
  2. Chase – (Experian) 
  3. Chase number 2 – (no pull) 
  4. Amex number 1 – (Experian)
  5. Amex number 2–  (no pull) 
  6. Citizen (Equifax)
    Freeze Experian – You can find instructions here
  7.  Either two Bank of America cards or two GM cards (Transunion)
  8. Discover and request to pull Equifax – After submitting the application, Discover will ask you to unfreeze your Experian report. Instead, chat with them and ask them to pull Equifax.
  9. Barclays (Transunion) 
Frequently asked questions
Is the APR percent per year or per month?
Per year. That's why it's called "Annual Percentage Rate"

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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3 Comments

  1. never saw such a super value CC article!
    -you write: Chase number 2 – (no pull). CHASE doesn’t pull twice?
    -and will chase approve if you recently inquired & opened account?
    -can you actually get approved for 10 accounts in a row? accounts show up in all Bureaus.

    Reply
    • Chase does not like recent inquiries. Chase usually will not approve more then 2 cards in 30 days

      Reply
  2. hi. another few questions:
    -you write in an article: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. so how can you open BOA cards #7?
    -“Amex cards if you’re an existing customer” is being an add’l enough?
    -#1 is WF, but you didn’t talk about it in the article. do they give nicely?

    Reply

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