But you can get somewhat close by choosing a card that has a temporarily "fixed" introductory APR. Check out our database on CardRatings.com and search using the feature of low introductory rate. You'll find zero percent APR introductory offers that last anywhere from six months to around twenty-one months. But most will be closer to twelve months. Read the terms and conditions carefully so you know exactly when the intro offer ends.
At that point, you'll receive the "go-to" rate, which will be your annual APR going forward. This rate will be tied to the prime rate. You'll see language that refers to the prime rate plus a margin. For example, on the Citi?? Platinum Select?? MasterCard, you get a zero percent intro offer for twelve months (twenty-one months on a balance transfer) and a regular APR of 11.99 to 19.99 percent. These rates include the prime rate plus a margin of 8.74 to 16.74. The current prime rate, per The Wall Street Journal, is 3.25 percent.
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