What Does 0% Intro APR Really Mean?
When a card offers 0% intro APR, it means your business won’t pay interest on new purchases (and sometimes balance transfers) for a specific period—typically 6 to 18 months. This isn’t a permanent feature. Once the promotional period ends, the rate jumps to the standard APR, which usually ranges from 14% to 29% depending on your creditworthiness and the card issuer.
Think of it as a temporary financial cushion that gives you breathing room to pay off purchases before interest kicks in.
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