How to Maximize a 0% Intro APR Credit Card to Pay Bills or Reduce Debt


Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

  • Opening and using a credit card with a 0% introductory APR on purchases, balance transfers, or both can help you save money.
  • Choose a card with a long intro APR on balance transfers if you have existing debt you want to consolidate.
  • For large purchases you want to pay off over time, a card with a 0% APR on new purchases is the right pick.
  • Read Insider’s guide to the best 0% introductory APR credit cards.

A photo of a young couple working on their finances at a dining room table.

If you’ve accumulated a lot of debt or have a big purchase coming up, a 0% APR credit card can help you save money on interest.

FG Trade/Getty



When we think about the best credit cards, we often find ourselves searching for the ones with the most lucrative perks that reward us for our spending.

If we’re looking to plan future adventures, we’ll gravitate toward the ones that offer airport lounge access, travel insurance, and of course, extra travel points for the categories we spend the most on a monthly basis. If we’re just hoping to line our accounts with extra money every month, we’ll grab a card that offers cash back.

However, if you’re looking to consolidate debt or pay off a large purchase you don’t have the cash for right now, you might be looking for a different kind of card. Finding a credit card that offers an introductory 0% APR (annual percentage rate) for a longer period of time can help you pay bills and decrease debt.

Here are three ways to make the most of a credit card 0% APR offer.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Use a 0% APR balance transfer offer

Citi Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card


Intro offer

$150 statement credit after you spend $500 on purchases in the first 3 months of account opening

Citi Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card


Intro offer

$150 statement credit after you spend $500 on purchases in the first 3 months of account opening


Intro offer

$150 statement credit after you spend $500 on purchases in the first 3 months of account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

16.74% – 27.49% Variable


Intro Annual Percentage Rate (APR)



Read More: How to Maximize a 0% Intro APR Credit Card to Pay Bills or Reduce Debt

2022-11-08 14:36:23

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