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A balance transfer involves moving debt from a high-interest credit card to a new card with a lower interest rate, ideally one with an introductory 0% period.

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The 0% APR periods have always ranged from 15 to 21 months. So the actual interest per year (including the transaction fee) for the balance transfer offer for the credit card was much lower than 3%, and in comparison. That’s much better than the 14% I was paying back in India.

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Using cash in India. You’ll find a number of establishments in smaller towns and even popular tourist destinations that don’t accept credit or debit cards. This also applies to most restaurants (or dhabas) that dot India’s highways.

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0% APR credit cards may be a good financial decision for you. Choose from a wide variety of 0% APR credit cards at CreditCards.com.

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In addition to signup bonuses and great rewards, these credit cards will offer you flexibility to pay back your credit card balance over a longer period of time without being penalized. The following are the most popular intro APR credit cards offered by our partners

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Compare offers and if you are considering a 0% Intro APR credit card be sure to factor in any fees, such as an annual fee or a balance transfer fee as well as considering the terms once the introductory offer ends.

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See the longest 0% intro APR on balance transfer credit cards on the market in January 2018.

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Is there a major purchase in your future? A big project? Before you consider a store credit card or an outside loan, check out 0 percent APR interest credit card offers. Pick the right card and you can spread out your payments over time without paying interest or fees.

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