Explore Credit Card Interest Options

See Introductory APR Offers That Can Reduce Interest, Including 0% Offers Extending Into 2027*

Better Balance Blueprint provides a quick quiz designed to explore introductory rate options and illustrate how different interest scenarios may affect repayment timelines.

Take the Free Quiz →

Why does this matter?

When making minimum payments, balances can barely move due to compounding interest. This can create a cycle that’s hard to break.

It doesn’t have to stay that way.

Right now, there are credit card offers that include introductory 0% APR promotions, but these offers are time-sensitive, change often, and are always subject to issuer terms and credit approval.

What introductory APR offers can help you explore

0% Intro APR offers extending into 2027*

Make more progress during the promo period by reducing interest charges

Balance transfer options on select cards, including some with no annual fee

*Intro APR length depends on the card and issuer terms. Availability and approval vary by bank.

Take This Quick Quiz to See Your Best Options*

In just 60 seconds, this quiz will show you:

How repayment timelines can change under lower interest scenarios
Potential cost differences between higher vs. lower APR situations
Which introductory APR offers (including 0% offers extending into 2027) are worth reviewing based on your inputs

*Availability of introductory APR offers varies by issuer, terms, and time. Final approval is determined by the bank.

Why This Works

High interest rates can significantly affect repayment progress because of the interest trap.
When your APR is 20% or more, a large portion of each payment can go toward interest charges.
But when your APR is lower (or temporarily 0% during an introductory period), more of your payment can go toward the balance during that time, which can meaningfully change the repayment timeline.
Gain clearer visibility into how balances change over time, compare scenarios side-by-side, and plan with more confidence.

Explore Introductory 0% APR Options (Including Offers Extending Into 2027*)

This quiz is completely free, takes less than a minute, and provides personalized educational recommendations based on your situation.

Click below to get started and see recommended offers you can review and compare, including cards with 0% Intro APR offers extending into 2027 (when available and based on issuer terms and approval).

Start the Quiz Now

Introductory APR offers*
Free & Fast Quiz
Secure and Private

Balance transfer features**
Instant results

*(terms vary)

**(select cards)

Disclaimer:

By taking this quiz and requesting your quiz results, you agree that Better Balance Blueprint may contact you with additional information using the contact details you provide. This may include phone calls, text messages, emails, prerecorded messages, or automated dialing systems, even if your number is listed on any Do Not Call registry. Meta (Facebook and Instagram) and Google are not affiliated with, and do not endorse, Better Balance Blueprint, this quiz, or any related content. We may receive compensation from affiliate partners for some links, which helps support our work at no additional cost to you and is disclosed in accordance with FTC guidelines. Providing your name and email address in the quiz entitles you to receive our free email newsletter. You may opt out at any time.

Important Information:

0% introductory APR offers are promotional and subject to approval. Introductory APR periods may vary by card and issuer and may last up to 2027 depending on the offer selected. After the introductory period ends, a variable APR will apply, commonly ranging from approximately 18% to 30%, based on creditworthiness and other factors. Terms, conditions, and eligibility requirements apply. Always review the full terms provided by the card issuer before applying.

*Terms vary by card and issuer and may include the intro APR length, balance transfer fees, regular APR after the promo period, and eligibility requirements. Approval required.