 TITLE: How Do 0% Intro APR Credit Cards Work? CONTENT: How 0% Intro APR on New Purchases Works\n---------------------------------------\nIn addition to a promotional 0% APR offer on transfers, some cards offer a promotional interest-free period on purchases as well. During that period your purchases won't accrue interest as long as you're making the minimum monthly payments on time. Your 0% APR offer on purchases may not be for the same length of time as on balance transfers, so check the card's terms carefully.\nIf you're planning on making a large purchase or have a lot of expenses coming up, a 0% APR on purchases could let you pay down the balance over time without paying interest. It may even be a better option than taking out a personal loan with a low interest rate if you're certain you can pay off the balance before the end of the promotional period.\nAs with a balance transfer, any balance that remains in your account after the promotional period ends will begin to accrue interest at your standard purchase APR. END