What is Introductory APR?
Credit Card Glossary · Updated April 2026
A promotional interest rate offered to new cardholders, typically 0% for 12-21 months on purchases or balance transfers. After the intro period, the APR jumps to the regular purchase or balance-transfer APR. Intro APR offers are the main value driver for balance-transfer and 0% purchase cards.
Frequently asked questions
What is Introductory APR?⌄
A promotional interest rate offered to new cardholders, typically 0% for 12-21 months on purchases or balance transfers.
What does Introductory APR mean on a credit card?⌄
A promotional interest rate offered to new cardholders, typically 0% for 12-21 months on purchases or balance transfers. After the intro period, the APR jumps to the regular purchase or balance-transfer APR. Intro APR offers are the main value driver for balance-transfer and 0% purchase cards.
What terms are related to Introductory APR?⌄
Closely related concepts include APR (Annual Percentage Rate). Each of these helps clarify different aspects of the same topic.
Where does Introductory APR apply?⌄
Introductory APR is a fees concept. It typically appears in the context of fees, APR, and how much a card costs to carry.
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