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 eighteen 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 be tied to a index usually the prime rate. For example you'll see language that refers to the prime rate plus a margin. These rates include the prime rate plus add a margin to get the rate. The current prime rate, per The Wall Street Journal, is 3.25 percent.