 TITLE: What Are Introductory Credit Card Rates? CONTENT: How to Save Money With Introductory Credit Card Rates\n-----------------------------------------------------\nIntroductory 0% APR offers can save you money in several ways.\nYou could open a card with a promotional 0% purchase APR, use it for large purchases and pay off the balance during the promotional period without accruing interest. It may even be a better option than a personal loan if you're confident you can completely pay it off before the standard rate kicks in.\nIf you have interest-accruing debt, transferring it to a balance transfer card that has a promotional 0% rate will stop interest charges temporarily and help you pay off the debt sooner. Some cards have a balance transfer fee (often 3% to 5% of the amount you transfer), but the transferred balances won't accrue interest during the promotional period. As a result, a larger portion of your payment can go toward paying down the principal balance. END