Key takeaways ; A purchase APR is the interest rate your issuer applies to your regular credit card purchases. ; Other APRs — such as an introductory APR or balance transfer APR — may take precedence over your purchase APR for a limited time. ; Knowing the purchase APR of each card you hold can help you make smart financial decisions by understanding the full cost of each transaction.
Key takeaways ; A 0% offer can help you make a large purchase on the fly and pay it off interest-free over a long period. ; The longest 0% intro period is currently 21 months, which means you won’t pay interest until 2026 with some of our top choices. ; The best 0% APR credit cards can help you save more than $2,000 — including interest savings and rewards — over a two-year period.
What matters most to you in a credit card? ; Cash Back ; Rewards Points ; Low Interest ; Compare All Credit Cards
0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days ; 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers ; 0% intro APR for 15 months on purchases and balance transfers ; 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies
Our Visa® Signature Credit Card puts cash in your pocket, on top of 0% APR for the first 18 months.
Discover it® Cash Back ; Citi Rewards+® Card ; Discover it® Miles ; Wells Fargo Reflect® Card ; Chase Freedom Unlimited® ; Blue Cash Everyday® Card from American Express ; Citi Custom Cash® Card ; BankAmericard® Credit Card
Blue Cash Everyday® Card from American Express ; Credit score needed : credit_score_needed, Annual fees : annual_fees, Terms URL : See Rates and Fees, Intro APR : intro_apr_rate,intro_apr_duration, Regular APR : reg_apr,reg_apr_type, Learn more : card_name review
There’s also the introductory APR—a low or 0% rate—with which many credit card companies try to entice new customers to sign up for a card. Bank loans generally come with either fixed...
Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 0% Intro APR on Purchases 15 months 0% Intro APR on Balance Transfers 15 months 20.49% - 29.24% Variable $0 Good...
Chances are you’ve received a credit card offer in the mail boasting a 0% APR and considered applying. The thought of no interest for a period of time is enticing, particularly if you want to finance large purchases or debt payoff. But the terms vary by credit card and you may not be aware of all the rules that apply to 0% APR offers. Before you jump on an offer and submit an application, it’s important to know just how a 0% APR credit card works so you can use it to your advantage. ...