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What is a zero percent APR card?

Quick Answer

A 0% APR card charges no interest on purchases or balance transfers during a 12–21 month introductory period. Useful for financing large planned expenses or paying off existing card debt, but the standard APR jumps to 22%+ once the promo ends.

Zero percent APR card promotional period mechanics.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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