What Is a 0% Intro APR Credit Card and How It Works

A 0% intro APR credit card resting on a clean table surface

A 0% intro APR credit card lets you carry a balance without interest for a limited time. This guide explains how the intro period works, what happens after it ends, and how to use the offer without paying a cent in interest.

How Many 0% APR Cards Can You Have at Once?

Several credit cards arranged on a wooden desk, illustrating how many 0% APR cards you can have at once

There’s no legal cap on 0% APR cards, but issuers set practical limits through approval rules and credit checks. Here’s how many you can realistically hold and how many actually helps you pay off debt faster.