0% APR Credit Cards: How to Pay Zero Interest and Save Thousands in 2026
Introduction A 0% APR credit card can be one of the smartest financial tools if used correctly. Whether you're in the United States, United Kingdom, or European Union, these cards allow you to carry a balance or transfer debt without paying interest for months. In today’s high-rate environment, interest-free credit cards are extremely popular — and advertisers pay premium CPC for traffic related to: ▪️ Best credit cards ▪️ Balance transfer offers ▪️ Credit score improvement ▪️ Debt consolidation ▪️Low interest loans Let’s explore how 0% APR cards work, who should use them, and how to choose the best one. What Is a 0% APR Credit Card? APR stands for Annual Percentage Rate — the interest you pay on borrowed money. A 0% APR credit card offers: ✔ No interest on purchases for a limited time ✔ No interest on balance transfers ✔ Promotional periods from 6 to 24 months After the intro period ends, the card switches to a standard variable APR , which can be quite high. Why...