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    When selecting an interest-free credit card, be sure to check out the card’s regular APR for purchases and balance transfers These APRs will apply once the introductory period expires Typically, credit cards that offer a 0% intro APR require applicants to have good to excellent credit (i e , FICO scores of 670 or higher) The average APR
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    A 0% APR card is perfect for consolidating high-interest credit card debt or financing a large purchase without paying interest for an extended period But it’s important to have a repayment plan in place before the introductory period ends to avoid high-interest charges Top 0% APR Credit Cards for Purchases and Balance Transfers in 2025





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