What does 0% APR mean?
Here’s how to maximize the benefits of a 0% intro APR credit card.
10 min read
Dec 19, 2024
Interest Rate Advice
Read the latest advice from our team at Bankrate on credit card interest rates - how to understand credit card APRs, steps to minimize interest rate payments, where to find the best 0% APR offers, and everything in between.
Latest Credit Card Interest Advice & Stories
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Current credit card interest rates
View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.
4 min read Dec 11, 2024 -
What happens when your 0% intro APR period ends?
A higher interest rate will kick in once your promotional APR ends.
5 min read Dec 02, 2024 -
Want a lower credit card interest rate? Just ask
Call your card issuer if you want a lower interest rate, and be ready to negotiate
6 min read Oct 29, 2024 -
Should I close my credit card if I have a high interest rate?
Learn when to say goodbye to your high-interest credit card and when to keep it.
5 min read Oct 01, 2024 -
What is a purchase APR?
What you need to know about your card’s purchase APR, or interest rate
5 min read Sep 13, 2024 -
What is deferred interest and is it worth it?
Deferred interest deals can be enticing but you could pay more than you expected.
7 min read Aug 27, 2024 -
What happens to your retail credit card when a store closes?
When a retailer vanishes, your card debt doesn’t. Here’s how your retail credit card may be impacted by store closures.
5 min read Aug 27, 2024 -
How to do a balance transfer with Chase
Find out everything you need to know about transferring a balance with Chase.
4 min read Aug 07, 2024 -
7 things you didn’t know about 0% APR cards
Before signing up for a 0 percent APR card, check out these little-known facts.
5 min read May 30, 2024 -
Should you carry a balance on a 0% APR credit card?
It’s not bad to carry a balance on a zero percent intro APR card during the promotion
7 min read May 06, 2024 -
Is credit card interest tax-deductible?
Interest paid on outstanding student loan debt, mortgage and home equity loan debt, business expenses, and interest on money borrowed to purchase investment property qualifies for a deduction.
3 min read Apr 04, 2024 -
When to use credit cards for large purchases
Funding a large purchase with credit can be handy if you have a payment plan to reap the benefits.
7 min read Feb 08, 2024 -
4 ways to use credit cards to achieve your 2024 goals
Whatever your 2024 goals, your credit cards can provide valuable data.
6 min read Jan 03, 2024 -
Best balance transfer cards with no balance transfer fee
Learn our picks for the best balance transfer cards with no balance transfer fee.
4 min read Dec 13, 2023 -
Can you pay student loans with a credit card?
You may have to get creative to pay for your student loans with a credit card.
5 min read Aug 07, 2023 -
How to save on weddings using credit cards
A smart credit card strategy can help you pay off a wedding or get a free honeymoon.
3 min read Jun 15, 2023 -
How to use a 0% intro APR card for holiday shopping
Afraid of that January credit card bill? A 0% intro APR card could help you avoid interest on holiday purchases if you use the introductory offer strategically.
3 min read Oct 17, 2022 -
Does asking for a credit card rate cut affect your credit score?
A rate decrease won’t hurt your credit unless it triggers a hard inquiry.
3 min read Sep 07, 2022 -
How to use a credit card to cover health expenses
When paying for medical bills with credit, aim to pay it off as soon as possible.
6 min read Sep 01, 2022
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