When used responsibly, a\u00a0 credit card with a 0% introductory rate can consolidate your credit card debt,\u00a0 lower your credit utilization , or help you \u2026<\/b>
\nWhen used responsibly, a credit card with a 0% introductory rate can consolidate your credit card debt, lower your credit utilization, or help you purchase a big-ticket item. Just like any credit card, the optimal scenario is that you pay off your balance each month. But if you need more time to pay off existing debt, a 0% introductory interest period can give you a breather. The best 0% APR credit cards usually feature a 15-month introductory APR period and a $200 or $250 sign-on or welcome bonus. And unless you’re planning to carry a credit card balance of $2,500 or more well beyond that period, the bonus should exceed what you’d save in interest with a credit card that has a longer intro APR offer but no bonus. That noted, if your main goal is to consolidate your existing credit card debt, check out our list of the best balance transfer credit card and our top picks for personal loans. Once you have a solid understanding of how much you can pay back each month, you can compare your options based on the total interest rate and welcome bonuses. Here are our current top picks for the best 0% introductory APR credit cards, along with answers to frequently asked questions. We’ll update this list periodically. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.<\/p>\n