By Tim Maxwell
Edited by Michelle TipswordWhat Happens When Your 0% Introductory APR Ends
By Tim MaxwellEdited by Michelle Tipsword
Quick Answer
- When your 0% intro APR ends, your card's regular APR applies to any remaining balance.
- The standard APR rate is usually variable, so it could continue to rise, based on the prime rate.
- Interest-free introductory periods range from six months to 21 months.
A 0% intro APR credit card makes it easier to transfer balances from other high-interest cards or finance large purchases and pay them down over time without paying interest.
Unfortunately, the introductory offer is just that: temporary. When a credit card's 0% intro APR period ends, you'll incur interest on any remaining balance and new purchases that aren't paid in full by the due date. Before opening an account, make sure you understand how the 0% introductory period works and what to do once it ends.
What Happens When a 0% Introductory APR Ends?
Once the 0% period ends, any balance you still owe will be charged interest at the card's regular annual percentage rate (APR). Here's a quick breakdown of how it works.
The Standard APR Takes Effect
Once the credit card's promotional period ends, your account is subject to the standard interest rates specified in your cardholder agreement. This is the rate you were given when you were approved for the card.
Many cards have regular variable APRs over 20%, so your interest charges and possibly your minimum payment could rise considerably if you still have a balance when the introductory period ends. As a reference, the average APR for credit cards is 22.15% as of May 2026, according to the Federal Reserve.
Tip: Understand that promotional rates for purchases and balance transfers can vary and end at different times. For example, your 0% promotional rate could last for 21 months on balance transfers but only 12 months on purchases. Check your cardholder agreement so you know when the regular APR will start for each.
Learn more: What You Need to Know About 0% APR Credit Card Offers
You'll Owe Interest on the Remaining Balance
Any balance left on the card when the intro period expires starts accruing interest at your new standard rate, as do new purchases you don't pay in full by the due date.
Example: Say you are approved for a credit card with an introductory period lasting 12 months, and you use it to purchase a $1,500 laptop. Over the next 12 months, you pay down your balance by $1,000, which leaves you with a $500 balance when the introductory period ends. At that point, your credit card's regular APR will begin accruing interest on the remaining $500 balance. The interest charges could increase your monthly payments over time if you don't pay down the balance quickly.
Best 0% intro APR cards of 2026
Compare cards from our partners with 0% intro APR offers on balance transfers, purchases or both.
Offers from our partners
Citi Double Cash® Card
Intro APR:0% for 18 months on Balance Transfers
Ongoing APR:18.24% - 28.49% (Variable)
Rewards:
2% (cash back)
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Annual Fee:$0
Blue Cash Everyday® Card from American Express
Intro bonus:
As High As $200 Cash Back. Find Out Your Offer.
You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Intro APR:0% on Purchases and Balance Transfers for 15 months
Ongoing APR:19.49%-28.49% Variable
Rewards:
1% - 3% (cash back)
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Annual Fee:$0
Wells Fargo Reflect® Card
Intro APR:0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Ongoing APR:17.49%, 23.99%, or 28.24% Variable APR
Rewards:
N/A*
Annual Fee:$0
Citi® Diamond Preferred® Card
Intro APR:0% for 21 months on Balance Transfers and 12 months on Purchases
Ongoing APR:16.49% - 27.24% (Variable)
Rewards:
N/A*
Annual Fee:$0
Blue Cash Preferred® Card from American Express
Intro bonus:
As High As $300 Cash Back. Find Out Your Offer.
You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Intro APR:0% on Purchases and Balance Transfers for 12 months
Ongoing APR:19.49%-28.49% Variable
Rewards:
1% - 6% (cash back)
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Annual Fee:$0 intro annual fee for the first year, then $95.
Citi Simplicity® Card
Intro APR:0% intro APR for 18 months from account opening on purchases and qualifying balance transfers
Ongoing APR:17.49% - 28.24% (Variable)
Rewards:
N/A*
Annual Fee:$0
Bank of America® Customized Cash Rewards credit card
Intro bonus:
$200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
Ongoing APR:17.49% - 27.49% Variable
Rewards:
1% - 6% (cash back)
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Annual Fee:$0
Bank of America® Travel Rewards credit card
Intro bonus:
25,000 Points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Intro APR:0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
Ongoing APR:17.49% - 27.49% Variable
Rewards:
1.5x - 3x (Points per dollar)
3 points per $1 spent on travel purchases booked through BofA Travel and 1.5 points per $1 spent on everyday purchases
Annual Fee:$0
See all our best 0% intro credit cards for 2026.
How to Pay Off Your Balance Before the 0% Intro APR Ends
A little planning and effort can go a long way toward paying off your balance during your credit card's promotional period. Consider these steps to help you wipe out your balance and avoid interest charges:
- Find your exact end date. Confirm the date your 0% intro APR expires. You can find it in your cardholder agreement or a recent billing statement. You can also call your card issuer to confirm when the introductory period ends. Once you know exactly how much time remains, you can set a realistic plan for paying down the balance before the regular APR applies.
- Create a payment plan. It may be easier and less stressful to tackle your balance when you break it into smaller, bite-sized chunks. Divide your balance by the number of months in the intro period to determine what you'll need to pay each month to eliminate the balance on time.
- Make a lump-sum payment before the intro period ends. If you have room in your budget, make a lump-sum payment toward the end of your intro period to pay off the balance. You could also take on part-time work or a side gig to earn extra money to pay off the remaining balance.
- Transfer the balance. If you still owe a substantial amount and want to avoid paying interest on it, consider transferring your remaining debt to a new card before the promotional period expires. That could give you a longer timeframe to repay the balance without interest, but make sure the new card's credit limit is enough to cover the balance. Keep in mind, however, balance transfer cards typically charge balance transfer fees from 3% to 5% of the amount you transfer. Make sure the amount you save on interest is greater than the balance transfer fee.
Tip: Set up automatic payments for at least the minimum payment so you don't miss a due date during your introductory period. A late payment may result in a late fee and potentially even jeopardize your 0% intro APR offer, depending on your card's terms. If your payment is more than 60 days late, your card issuer may charge a penalty APR on your existing balance. Check your cardholder agreement for the consequences of late or returned payments with your credit card.
Learn more: What Happens if You Only Pay the Minimum on Your Credit Card?
Should I Keep My Card Open After Paying My Balance?
It's generally a good idea to keep your credit card open because it can help your credit. Keeping the account open with a $0 balance could lower your credit utilization ratio, which is the percentage of your available credit you're using. Credit utilization accounts for 30% of your FICO® ScoreΘ, the credit score used by 90% of top lenders.
You might consider closing the account, however, if the credit card has a high annual fee and you don't think you'll get enough use from it to justify the cost.
Tip: If you choose to keep your credit card, consider using it periodically so your card issuer doesn't classify your account as inactive. While there's no set rule for how often you should use your credit card, utilizing it every few months may help you avoid credit card cancellation for inactivity. Keeping your credit card account open can also benefit you if the card offers perks and bonuses aside from the 0% intro APR.
How to Get the Most Out of a 0% Intro APR Card
Follow these tips to maximize the value of a 0% APR credit card:
1. Find the Card With the Longest Intro Period
The longer the introductory period, the more time you have to pay off your balance before the regular APR kicks in. That can lower the monthly payment you need to make to avoid interest, assuming you pay the balance in full by the end of the promotional period. Promotional periods vary by card issuer and typically last from six months up to 21 months; look for a 0% intro APR card with the longest intro period if you could use the extra time.
2. Develop an Aggressive Payment Plan
It's easy to acquire a large balance on a 0% intro APR card, especially if you use the card for a large purchase or transfer an existing balance from another card. Consider following a debt repayment strategy, such as the snowball or avalanche method, while prioritizing any 0% intro APR balance that must be paid off before its promotional period expires.
Learn more: Debt Snowball vs. Debt Avalanche Method
3. Know the Fees and APRs Associated With Your Card
When you're comparing 0% intro APR credit cards, don't forget to check each card's fees and other costs. Make sure you understand the card's annual fees, late payment penalties and balance transfer fees before opening a new account.
You should also be aware of a credit card's penalty APR. This is a special interest rate that some credit cards charge if you miss a payment. A missed payment could cause you to lose your promotional 0% interest rate and trigger a higher penalty APR.
Frequently Asked Questions
Check Your Credit Before You Apply for a Credit Card
A 0% intro APR credit card usually requires good or excellent credit to qualify, but the higher your score, the better your approval odds and the more favorable your terms are likely to be. If you have fair or limited credit, you still have options since many other credit cards accept applicants with less-than-ideal credit.
Before you apply, check your FICO® Score for free with Experian to see where your credit stands. Knowing your number helps you focus on cards whose credit requirements you already meet. You can also get credit card offers that fit your credit profile through Experian's card platform, where you can review options and apply.
Discover low interest credit cards
Keep more cash in your wallet with a low interest credit card. See what offers you qualify for based on your FICO® Score.
See your offers
About the author
Tim Maxwell
Tim Maxwell is a former television news journalist turned personal finance writer and credit card expert with over two decades of media experience. His work has been published in Bankrate, Fox Business, Washington Post, USA Today, The Balance, MarketWatch and others. He is also the founder of the personal finance website Incomist.
Read more from Tim