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What is a 0% intro Apr credit card?

A 0% intro APR credit card is a card that does not charge interest on purchases, balance transfers, or both types of transactions for a certain number of months after you open your account. The average 0% credit card offer gives you 11 months without interest on purchases and 13 months without interest on balance transfers.

Are 0% APR credit cards a good idea?

A credit card can be useful for financing purchases and consolidating debt if it offers a no-interest period. Some of the best credit cards can provide substantial savings with intro APRs on purchases, balance transfers or both — for up to 21 months. This makes intro 0% APR credit cards a potentially valuable tool for tackling credit card debt.

What is the best 0% APR credit card for balance transfers?

Why We Like It: The Citi Simplicity® Card is the best 0% APR credit card for balance transfers because it offers an intro APR of 0% for 21 months on balance transfers, along with 0% for 12 months on purchases. This card has a $0 annual fee, too.

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