An introductory 0% APR is a characteristic supplied by some bank cards that provides cardholders a restricted timeframe wherein they will keep away from curiosity expenses on their steadiness. Usually, a bank card APR sits round 15% to 25% — so you’d pay anyplace from $150 to $250 in curiosity expenses yearly on a $1,000 bank card steadiness. 

Introductory APRs can apply both to your new purchases or to a steadiness transferred from a high-interest bank card. In an effort to keep away from getting charged curiosity after the introductory 0% APR ends, we advocate paying your steadiness in full earlier than the promotion is up. And keep in mind to make all of your bank card minimal funds on time in order that you do not breach the phrases of the promotion.

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Our methodology

CNET critiques bank cards by exhaustively evaluating them throughout set standards developed for every main class, together with cash-back, welcome bonus, journey rewards and steadiness switch. We consider the standard spending habits of a spread of client profiles — with the understanding that everybody’s monetary state of affairs is completely different — and the designated perform of a card. 

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*All details about the Union Financial institution Platinum Visa Credit score Card has been collected independently by CNET and has not been reviewed by the issuer.

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