 TITLE: What Are Introductory Credit Card Rates? CONTENT: What Is a 0% Introductory APR Offer?\n------------------------------------\nThere are a few important parts to every introductory APR offer:\n*   **The promotional rate**: The promotional rate isn't always 0%. But if you can, look for a 0% APR offer to avoid interest altogether for a while.\n*   **The promotional period**: Introductory rates can last for months, and the exact length of time will depend on your offer. When you compare offers, make sure this is a factor you consider. Your remaining balances will start to accrue interest once the promotional period ends.\n*   **Qualifying transactions**: A promotional 0% APR will generally only apply to certain transactions, such as purchases or balance transfers. If you use the card for a different type of transaction, such as a cash advance, that may still accrue interest.\nThere are other things to keep in mind as well. For example, if you don't at least make your minimum monthly payment, the card issuer may charge you a late fee and cancel your introductory rate. END