 TITLE: What Are Introductory Credit Card Rates? CONTENT: Best 0% Intro APR Credit Cards\n------------------------------\nIf you're only using the card for purchases, you may want to look for a card that offers a 0% purchase APR with a long promotional period. For balance transfer offers, a lengthy promotional period can be important and try to find an offer that has a low balance transfer fee. Here are a few top picks from the Experian CreditMatchTM marketplace:  \n### Wells Fargo Platinum card\nWells Fargo Platinum card\n-------------------------\nApply\non Wells Fargo's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nWells Fargo Platinum card\n-------------------------\nAPR\n16.49%-24.49% (Variable)\nIntro APR\n0% for 18 months from account opening on purchases and qualifying balance transfers\n##### Card Details\n*   0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5\n*   $0 Annual Fee\n*   Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card\n*   Easy access to your FICO® Credit Score with Wells Fargo Online®\n*   Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications\n*   Convenient tools to help create a budget and manage your spending with My Money Map\n*   Select \"Apply Now\" to learn more about the product features, terms and conditions\n*   Matched For You are statements made by Experian and may not reflect Wells Fargo’s underwriting standards\n[Rates and Fees](;offerid=949414.284&type=3&subid=0)\nThe Wells Fargo Platinum card offers an introductory 0% APR on purchases and qualifying balance transfers for 18 months, then a variable ongoing APR of 16.49% to 24.49% depending on your creditworthiness. The card does not have an annual fee, but it doesn't offer any rewards either. You'll also have to pay a 3% balance transfer fee ($5 minimum) on balances that you transfer to the card within 120 days of opening your account—the fee increases to 5% ($5 minimum) after that period.  \n### Chase Freedom Unlimited®\nChase Freedom Unlimited®\n------------------------\nApply\non Chase's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nChase Freedom Unlimited®\n------------------------\nAPR\n14.99% - 23.74% Variable\nIntro APR\n0% Intro APR on Purchases for 15 months\nRewards\n3% cash back on Dining & Drugstores\n1.5% cash back on All Other Purchases\n**Intro Bonus**\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.\n##### Card Details\n*   Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\n*   Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.\n*   Earn unlimited 1.5% cash back on all other purchases.\n*   Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.\n*   No annual fee.\n*   0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\n*   No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\nThe Chase Freedom Unlimited® doesn't have an annual fee, offers a flat-rate 1.5% cash back on purchases, and gives new cardholders a 15-month introductory 0% APR on purchases. After the introductory period is up, a 14.99% to 23.74% variable APR applies to purchases. It could be a good option if you plan on using the card for purchases, as you can receive a $200 cash back bonus if you make $500 worth of purchases within 3 months of opening your account.  \nKeep Track of Your 0% APR Offers\n--------------------------------\nWhile an introductory 0% APR promotion can help you save money, you'll still have to pay off the balance if you want to avoid interest. Figure out how much you'll need to pay each month to pay off the balance before your promotion ends, and keep track of your progress as you go. You may even want to budget to pay off the balance a few months early to give yourself wiggle room in case you fall off track. END