Does Amazon Store Card Credit Card have a 0% APR intro period for new purchases? This question is about the Amazon.com Store Card

Does Amazon Store Card Credit Card have a 0% APR intro period for new purchases?

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This question is about the Amazon.com Store Card

Maria Adams, Credit Cards Moderator

@m_adams • 11/05/21 This answer was first published on 11/05/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the Amazon.com Store Card Credit Card has an introductory APR of 0% for 6 - 24 months on certain purchases. It's important to pay off the entire balance before the promotional rate expires, though, because the regular APR will apply retroactively from the purchase date if any balance remains after the 0% APR period ends. This is called deferred interest, and it can be quite costly.

Keep in mind that even though you don't pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, so that the deferred interest never kicks in. For help planning your payments, try out WalletHub's Credit Card Calculator.

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What happens when 0% APR ends?

When a 0% APR period ends, the credit card’s regular APR will kick in. That rate will apply to any unpaid balance remaining on the credit card as well as any new purchases made from that point on. The regular APR that applies when a 0% APR period expires tends to be very high, so it’s best not to leave much of a balance for it to affect.

The only exception to this rule...

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What are the longest 0% APR credit cards?

The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for 21 months from account opening and 0% for 21 months from account opening on qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.99% - 29.99% Variable.

Given its $0 annual fee, the Wells Fargo Reflect card makes for a great option both for financing larger purchases and transferring pre-existing debt. There are several other options with long 0% intro APRs that are worth taking into consideration.

Here are the longest...

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How do I extend 0% APR on a credit card?

You can potentially extend a 0% APR on a credit card by calling the credit card company and asking them if they can extend the promotion. Success could depend on which credit card company it is, your relationship with them, your current account balance, and other factors that the credit card company won’t publicly disclose. There is no exact science to getting an extension on a 0% APR period, and it’s unlikely to work. So...

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