0% APR Cards guides

A 0% APR credit card charges no interest on new purchases, balance transfers or both for an introductory period, and it is for you if you need time to pay off a large purchase or existing debt without interest building up. After the intro period ends, the regular APR applies to any balance left.

Compare the length of the intro period, what it covers (purchases, balance transfers or both), the regular APR afterward, and any balance transfer fee. Read the terms for deferred interest: bank credit cards generally start charging interest only on the balance left when the period ends, but some store card promotions charge interest back to the purchase date if you do not pay in full in time. On some cards a late payment can end the intro rate early. Plan a monthly payment that clears the balance before the period ends.

Start with 0% intro APR credit cards explained, then 0% purchase vs 0% balance transfer to pick the right type. How credit card APR works explains what happens after the promo ends, and the Wells Fargo Reflect is one US example.