Smarter ways to manage what you owe
Give your balance some breathing room.
Some credit cards offer an introductory 0% APR period on purchases, balance transfers, or both. Used wisely, that window can help you pay down debt or finance a big purchase without interest stacking up.
Browsing offers won't affect your credit score.
Intro period length, regular APR and fees vary by card and by applicant.
Why a credit card can work in your favor
When you pay on time and pick the right card for your goals, a credit card can be more than a way to pay.
Time to pay, interest-free
An intro 0% APR period can let you spread out a large purchase over months without paying interest during the promotional window.
Consolidate existing balances
A balance transfer can move higher-interest debt to one card, so more of each payment goes toward what you actually owe. Transfer fees usually apply.
Build your credit history
On-time payments and low balances relative to your limit are reported to credit bureaus and can strengthen your credit over time.
Rewards on everyday spending
Many cards return cash back, points, or miles on purchases you're already making, like groceries, gas, and bills.
Built-in fraud protection
Credit cards typically limit your liability for unauthorized charges, and many add real-time alerts and card locking.
Flexibility when you need it
From travel bookings to unexpected repairs, a card gives you a widely accepted way to pay, plus purchase protections on many cards.
What to compare before you apply
Intro APR offers can look alike at first glance. These details are where they differ.
- Length of the intro period
- A longer window gives you more time to pay down a balance before interest starts.
- What the intro rate covers
- Some offers apply to purchases only, some to balance transfers only, and some to both.
- The regular APR afterward
- Any balance left when the intro period ends is charged the card's regular variable APR.
- Fees
- Check for balance transfer fees, annual fees, and foreign transaction fees.
- Rewards and extras
- Welcome offers and ongoing rewards can add value on top of the intro rate.
Find the intro APR offer that fits your plans.
See current offers side by side on our partner's site, with full terms for each card before you decide.