APR is an annualized representation of your interest rate. When deciding between credit cards, APR can help you compare how expensive a transaction will be on each one. It’s helpful to consider two main things about how APR works: how it’s applied and how it’s calculated.

These cards offer an outstanding 0% intro APR on purchases, balance transfers, or both. This can help you finally get your hands on that big-ticket item you’ve been eyeing, or manage debt by transferring an existing balance. Our experts have analyzed 1,002 different credit card offers with a 0%

For credit cards, the interest rates are typically stated as a yearly rate. This is called the annual percentage rate (APR). On most cards, you can avoid paying interest on purchases if you pay your balance in full each month by the due date.

0% intro APR on new purchases -- Some credit cards will offer a 0% APR for new purchases. But know that this APR is a promotional rate and only applies during a specified period, which can range from a few months all the way up to 21 months for some credit cards.

Find 0% apr credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.

Best Balance Transfer Credit Cards. A balance transfer credit card allows you to transfer charges from a card with a high interest rate to a card that gives you from 6 months to 21 months to pay the balance back at a lower rate, sometimes even interest-free or 0%.

However, you might see the term ‘representative APR’ on adverts for credit cards – this means that the interest rate quoted only has to be offered to at least 51% of successful applicants, so it may not be the actual rate you get when you apply.

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A 0% APR card can be a useful tool if you’re paying off unexpected bills, such as for home repairs or a new car transmission. 31% of people said they would resort to using a credit card for a large, unexpected expense, according to an online survey of 1,891 employed workers conducted in March 2019 by human resources company Ceridian.