What does 0% apr mean?

Answered on October 21, 2017
Updated on October 9th, 2018
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
APR or Annual Percentage Rate is the yearly interest rate on your credit card. There are two types of 0 percent APR offers. The first type is 0 percent APR on purchases credit card. This means you won't be charged interest on your purchases for a certain period of time. The second type is 0 percent APR on balance transfers, that means you won't be charged interest on a balance you transfer from another card for a certain period. All in all, you should carefully read credit card's Terms and Conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


With an excellent credit score the process of choosing a card is fast and easy, everything is available to you. The best option for you is to pick a 0% intro APR card. These cards allow you to pay for dental works over time, during a period of up to 21 months. Check out our pick of the best low intro rate credit cards and choose the one that suits you most.
Please click here and browse the credit cards with a balance transfer option and 0% intro APR on balance transfers for definite periods of time and/or low balance transfer fees. Compare these 0% balance transfer credit cards side by side, look into their features and terms, especially pay close attention to their go-to APRs, and decide on a card.
Click here and browse the low rate credit cards we have on offer. Consider 0% intro APRs on purchases and/or balance transfers and be sure to find the credit card right for you.

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