Credit cards that offer 0% APR promotions are useful tools for consolidating debt or financing large purchases without worrying about interest.
Generally, you'll need good to exceptional credit to qualify for a 0% APR card. Broadly, that translates to a credit score of 670 or better on the FICO range. However, those with good or excellent credit scores can still get rejected for a 0% APR card. And conversely, people with scores below the common definition of “good credit” can get approved. That’s because in addition to your credit scores and credit history, issuers also consider your income, debt and other factors when determining card approval.
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