More than 8 in 10 people have successfully negotiated a lower APR. Here’s what to say when you call your bank.

Many credit card companies offer an introductory 0% APR for the first 12 to 24 months of opening a card. This offer allows ...

This top-rated Wells Fargo credit card offers nearly two years of breathing room. See why it won our 2025 award for best 0% ...

Learn why this Wells Fargo card earned our 2025 Award for Best 0% Intro APR Card, with nearly two years of interest-free ...

Take advantage of these credit cards and pay zero interest on new purchases or balance transfers for up to 21 months.

Intro APR offer: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 17.24%, 23.74%, or 28.99% variable APR applies thereafter.

APR is the interest rate on a loan in annualized form. It's the total cost of borrowing for one year, when the interest rate and loan fees are added in, expressed as a percentage. A factor rate is ...

A 0% APR credit card offers no interest for a period of time, typically six to 21 months. During the introductory no interest period, you won't incur interest on new purchases, balance transfers ...