What is a good intro APR?
Isabella Turner
Updated on January 31, 2026
The average length of an introductory 0% APR promotion is 10.5 months for purchases and 12 months for balance transfers. Terms generally range from 6 to 18 months. Some cards will occasionally offer a 0% APR for 21 months.
What credit card has the highest APR?
The current highest credit card interest rate is 36%. That’s on the new First PREMIER® Bank Credit Card. The next highest credit card interest rate seems to be 34.99%, charged by the Total VISA® Credit Card and the First Access VISA® Credit Card.
What does 0 APR actually mean?
An intro 0 percent APR means that the money you are borrowing is available for no additional cost. You still have to pay back the money you borrowed, but there is no added interest as long as you pay off the balance before the intro APR period ends.
Which is the best 0% intro Apr credit card?
Finding the best introductory 0% APR credit card could make a major purchase in your future a lot easier to swallow. Before you consider a store credit card or an outside loan, it’s a smart move check out our 0% intro APR interest credit card offers from our partners.
Which is the best introductory credit card offer?
An introductory offer of 0% APR is a great option for big purchases (though it is also limited to individuals with good to excellent credit). For example, if you are moving into a new place and need to purchase furniture, a 0% intro APR offer would be a great way to cover the costs of a new living room set without paying interest.
Which is the best credit card with 0% interest?
0% Interest Details: The Capital One® Quicksilver® Cash Rewards Credit Card offers you an introductory period of 15 months of no interest on purchases and balance transfers (then, 15.49% – 25.49% (Variable) ). Rewards: This is a simple card to use and earn rewards.
What’s the APR on a Bank of America credit card?
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies. Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research.
