Credit Card

Choose the perfect 0% APR credit card that suits your needs: top choices for you!

Having a credit card with an intro APR can help you save some precious money. To find the best credit card for your needs, check this content!

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Select the 0% APR card that best fits your needs.

No annual fee
0% APR for 21 months
Bonus reward of $200
Get 1.5% cashback on all purchases.

What are the advantages of opting for an 0% APR card? By doing so, you can decrease your interest payments and make headway in paying off your debt.

Continue reading this article to grasp how it functions and determine if it is the ideal choice for you!

What does APR mean?

APR stands for Annual Percentage Rate, which, in terms of credit cards, represents the interest levied on any unpaid balances on a monthly basis, expressed as an annual percentage.

For example, if your APR is 15% and you have a $100 unpaid balance at the end of the month, you will be charged $15 in interest for that month.

There are two main types of APR: fixed and variable.

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If you opt for a fixed APR on your credit card, the interest rate will remain constant, regardless of market conditions. On the other hand, a variable APR means that the interest rate may rise or fall based on fluctuations in the market.

Therefore, choosing a credit card with 0% APR is essential if you carry a balance on your credit card and do not want to be concerned about potential increases in your interest rate.

What is an introductory APR?

An introductory APR is a promotional interest rate that is offered on credit card purchases, cash advances, and balance transfers for a designated period of time.

For example, if your credit card has an introductory APR of 14 months, you will not be subject to any interest charges during this period.

How does a 0% APR card work?

If used prudently, a 0% APR credit card can help you save a significant amount of money on interest fees.

Typically, most 0% APR cards provide a promotional rate for a specific duration, usually ranging from six to 21 months. During this time, no interest charges are applied to your balance until you reach the promotional limit.

However, once the promotional period concludes, the APR reverts to the regular rate, which is generally about 15% or more, depending on the card.

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For example, if you have a $1,000 balance on your credit card and are being charged 20% interest, you would pay $200 in interest fees over a year.

On the other hand, with a 0% APR card, you would not pay any interest fees during the promotional period.

This can be incredibly beneficial if you need to carry a balance on your card for a few months. Just make sure to pay off your balance before the promotional period concludes, or else you will be charged all the interest at once.

How to apply for the Destiny Credit Card?

You can obtain the Destiny credit card without worrying about credit score inquiries. Find out how to apply for it by reading the following information.

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