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Choosing the Right 0 Percent APR Credit Card

When selecting a 0 percent APR credit card, it's crucial to consider the length of the promotional period, any applicable fees, and the card's terms once the introductory period ends. Some cards may charge a balance transfer fee, typically 3% to 5% of the transferred amount, which could offset some of the interest savings. However, many cards offer no annual fee, making them an attractive option for long-term use².

It's also important to evaluate your ability to pay off the balance before the promotional period ends, as the interest rate will revert to the card's standard rate thereafter, which could be significantly higher. By planning your payments carefully, you can maximize the benefits of these offers.