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фильм солдат иван бровкин смотреть онлайн в хорошем, 10 Best 0% APR Credit Cards of June 2025 - NerdWallet, Best 0% APR Credit Cards Of June 2025 - CNBC, Best 0% APR Credit Cards of June 2025 | CreditCards.com, Best 0% APR Credit Cards Of 2025 – Forbes Advisor, 13 Best 0% intro APR credit cards of June 2025, , .
19.24%, 24.24%, or 29.24% Variable APRWhat is a zero-interest credit card?You’ll pay interest when you carry a balance on a credit card, but some credit cards offer 0% APR promotional periods, known as an introductory APR. You won’t pay interest during this period, but the standard APR will apply after the promotional period expires.A 0% APR offer can help you save hundreds, possibly thousands of dollars in interest fees. You can use a 0% introductory APR to make large purchases or transfer a balance and pay it off interest-free during the promotional period.While 0% interest credit cards usually require a , they can help you avoid additional costly interest charges.How do zero-interest APR credit cards work?A card with a 0% introductory APR allows you to either make purchases, complete a balance transfer, or both without paying interest for a specified period. Once the 0% introductory period is over, charges go into effect, and a new interest rate will apply to any purchases or balance transfers made after this time and any remaining balance not paid off during the promotional period.For more information, read our complete guide on how.How much can you save with a 0% intro APR credit card?A 0% intro APR credit card can save you hundreds of dollars or more in interest, depending on how much you owe, your current APR, and how long it takes to pay off your balance.For an accurate picture, a can show you how long it will take you to pay off your debt and how much interest you’ll pay each month. This can show you how much you can save with a 0% intro APR credit card.For example, what if you could pay off a balance in full using a credit card with a 21-month APR offer? Here’s how much total interest you could save with 21 months of interest-free payments compared to a credit card with average interest and one with high interest.BalanceInterest paid over 21 months (0% APR)Interest paid over 21 months (16.59% variable APR)Interest paid over 21 months (25.74% variable APR)$1,000$0$157Min. payment: $56$251Min. payment: $60$2,000$0$304Min. payment: $115$502Min. payment: $120$5,000$0$783Min. payment: $280$1,254Min. payment: $300As you can see, a credit card with a 0% intro APR offer can save you a lot of money. If you do a balance transfer, most issuers charge a fee that will be added to your balance. That can cut into your total savings but is still less than paying interest each month.Pros and cons of zero-interest credit cardsProsSavings: You’ll save on interest if you pay your balance transfer or purchases off during the promotional APR period.Affordability: 0% introductory APR cards rarely charge an annual fee.Building credit: Paying off debt via a balance transfer on a 0% introductory APR credit card can improve your credit score in the long term by decreasing your .Extra time: One of the most essential benefits of a 0% interest card is the extra time it buys you to pay off or down existing balances without costly interest charges during the promotional period.ConsPost-offer interest: You could face a high interest rate once the promotional APR expires.Balance transfer fees: You’ll likely pay a fee for balance transfers.Short-term credit hits: Balance transfers or large purchases on a 0% intro APR card can ding your credit score in the short term by increasing your single-card credit utilization rate and generating a hard inquiry.Potential to lose intro offer: Cardholders may not realize that one missed payment may forfeit any 0% introductory period the card offers, which makes keeping up with due dates even more important.Who should get a zero-interest credit card?You should get a 0% APR credit card if:You want time to pay off a large purchase.You need to pay off high-interest credit card debt.You have an emergency expense you need to pay off over time.You shouldn’t get a 0% card if:You want to earn rewards.You only plan to make minimum payments.You can’t pay off your balance before the introductory period ends, and a personal loan may be a better for you.How to choose a zero-interest credit cardStart by asking yourself these key questions:Are you planning a large purchase or paying down pre-existing debt?: Choosing the right 0% interest card may come down to one goal: paying down a pre-existing balance or financing a large purchase. While a 0% interest card can save you money on interest payments for a defined period of time, especially for a large purchase, a balance transfer card may be better suited for those who need to focus on paying down an existing balance. If you’re concerned you’ll need to carry a balance for longer than the promotional APR period, then a low-interest credit card option may be better.What’s your payoff timeline? Before selecting a card, understanding your payoff timeline could impact your decision. Not all introductory APR offers are created equal. Some have longer promotional periods than others, which may affect your payoff timeline if you hope to pay as little interest as possible. Remember that some introductory APR offers only apply to purchases and may not include balance transfers. Once you have your payoff goal in mind, you can choose the card best suited for your timeline.Do you plan to use the card for the long haul? Long-term financial plans should factor into your card selection. Ongoing features, like the annual fee, interest rates after the promotional APR period ends and rewards programs are key elements that could help decide what card you choose. For example, you should consider the ongoing APR to avoid hefty interest charges if you end up carrying a balance. If you do decide you no longer need your 0% interest card, carefully consider the impact before closing it. It’s possible closing a card can by raising your credit utilization and impacting the length of your credit history.How to make the most of your 0% intro APR offerPlan large purchases around your introductory period to finance purchases with 0% interest.Avoid adding to transferred balances so all payments go to paying off your balance.Nail down a payoff strategy early. Take the total purchase amount and divide it by the number of months left in your introductory period. This will tell you the minimum amount you must pay on the card each month to avoid interest charges and maximize your intro offer.Pay off your balance within the introductory period if possible.Alternatives to zero-interest cardsIf you’re worried that you won’t qualify for a 0% intro APR card or you want to avoid opening another credit card, you have a few options:Debt consolidation loan: With a , you could combine debt from several sources into a single loan. The goal of consolidating is to end up with one affordable monthly payment. Debt consolidation loans are ideal if you need a longer payoff time or a lower interest rate. You’ll get a three-to-five-year payoff period with a debt consolidation loan, while most 0% interest cards have intro offers that expire after 12 months on the low end or up to 21 months on the high end.Ask for a lower interest rate: One way to save on interest is to ask your credit card issuer for a . Your issuer isn’t guaranteed to grant your request; however, your odds of landing a lower rate increase if you have a good payment history and have been a loyal customer. If you get better offers from competing cards and share that information with your issuer, you might get a lower rate to retain your status as a customer.Look into credit card hardship programs: If you’re struggling to pay your credit card bill each month, you can ask your credit card issuer if it provides a . These programs vary; not every provider will offer them to every cardholder. They’re also temporary, lasting at most 12 months. Your credit card issuer might freeze your account for the duration of the program to keep you from adding to your balances.How we picked the best zero-interest credit cardsOur and analyzed over 1,000 0% interest intro APR credit cards to identify some of the best offers on the market. The major factors we considered were:0% intro APR period for purchases: Does the card allow you to skip interest charges on purchases for a set period of time? If so, how long does the offer last?0% intro APR period for balance transfers: Does the card allow you to skip interest charges on a balance transfer for a set period of time? If so, how long does the offer last?Regular APRs: After the introductory period expires, are the purchase APRs or balance transfer APRs reasonable, relative to the current industry average?Balance transfer fee: Do you have to pay a fee to transfer a balance onto the new card to take advantage of the 0% interest offer? If so, is the fee reasonable relative to the industry standard?Overall card value: Does the card offer benefits once the introductory 0% APR offer ends? For no-frills cards, we considered whether continued use would cost cardholders an annual fee.Other criteria used include other rates and fees, rewards rates, extra benefits and features, customer service, credit needed, ease of application and security features.Our comparison service is compensated by our credit card company partners, which may affect product placement. This site does not include all credit card companies or all available credit card offers. Star ratings are based solely on our independent and are not influenced by advertisers or card issuers. Learn more about our and .Additional information on zero-interest credit cardsFor more information on all things 0% APR cards, continue reading content from our credit card experts:Frequently asked questions about zero-interest credit cards, A credit card with an introductory 0% APR period can save big on interest if you have a major purchase coming up. The best zero-percent cards include options with long intro periods, and many , 14 best 0% APR credit cards of June 2025 Pay no interest for up to two years with these credit cards. Updated Tue, May 27 2025. Jason Stauffer Senior Reporter, CNBC Select..
Zero-interest credit cards (or 0% intro APR credit cards) let cardholders make payments with no interest charges on purchases, balance transfers, or both for a set period of time. Your entire payment (except for any fees) is applied to your balance. After the introductory period expires, you begin paying a predetermined interest rate., To temporarily bypass those interest charges on new purchases or balance transfers, choose a 0% introductory APR credit card. The zero can be a hero when it comes to saving significant sums on , Find a top 0% intro APR credit card in 2025 to help finance big purchases and manage debt without paying interest with Bankrate., , , .