0% APR credit cards are credit cards that offer a 0% annual percentage rate (APR) on purchases, balance transfers, or both, for a specified introductory period. This means that cardholders do not have to pay any interest on their purchases or balance transfers during that time. This can be an attractive option for people who want to make a large purchase, transfer a high-interest credit card balance, or both, and pay it off over time without incurring interest charges. After the introductory period ends, the card's standard APR takes effect and cardholders start accruing interest on any remaining balance. It's important to understand the terms and conditions of a 0% APR credit card, including any fees, the length of the introductory period, and the standard APR, in order to make an informed decision about using this type of credit card.