Written by Garrett Yarbrough ; Edited by Courtney Mihocik ; Reviewed by Jason Steele
This guide covers introductory or promotional interest rates, which apply to some credit cards. Learn how to make the best of available offers.
Best for long introductory APR period: Wells Fargo Reflect® Card ; Best for rotating cash-back categories: Discover it® Cash Back ; Best Chase option: Chase Freedom Unlimited®
Learn about different benefits available to credit card holders, including cash back, air travel miles, introductory rates, discounts on purchases, and more.
Credit cards that offer an intro 0% APR do not charge you interest on purchases, balance transfers, or both, for a specified amount of time. ; When comparing intro 0% APR offers, review the length of the introductory period and what the standard APR will be after the introductory period. ; If you’re transferring a balance to try to save money on interest, consider balance transfer fees, which can range from 2%-5%.
Are you looking for a temporary break from APR? One of the balance transfer credit card offers available on Bankrate could help you pay down balances, improve your credit score and save on interest...
Learn more about Discover credit cards and apply for the best credit card for you, whether you need cash back, miles, a student credit card or a secured credit card.
Using an introductory 0% credit card wisely could help you save money when paying off debt or financing a large purchase.
Chase Sapphire Reserve® ; Capital One Venture Rewards Credit Card ; Marriott Bonvoy Bevy™ American Express® Card ; Blue Cash Preferred® Card from American Express ; Chase Sapphire Preferred® Card ; American Express® Gold Card ; Chase Freedom Unlimited®
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. ...