Pay in full each month
On purchases, if you clear the full statement balance by the due date you typically pay no interest at all. Carrying even a small balance usually loses that grace period.
Watch the exceptions
- Cash withdrawals often charge interest from day one.
- Balance transfers and money transfers have their own rules.
- Promotional 0% periods end — know the date.
Frequently asked questions
Does a 0% card mean no cost?+
No interest during the promotional period, but there is often a transfer fee, and interest resumes once it ends.