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0% APR Credit Cards

How introductory 0% APR offers work, what ends them early, and how to avoid surprises when the promotion stops.

A 0% intro APR means no interest on the balances the offer covers, for a limited time. It can be useful for paying off a planned purchase over several months, as long as you have a plan for the balance before the promotion ends.

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What the CFPB says to watch

  • An intro rate generally must last at least six months, unless you are more than 60 days late on a payment.
  • Carrying a promotional balance past the due date can cost you the grace period, which means interest on new purchases.
  • Divide your balance by the number of promotional months to find the payment that clears it in time.