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0% APR Credit Card - Which One Is Right For You? If you're a credit card holder, you should know about 0% APR credit cards. Simply put, this type of credit card has a 0% interest rate for a specified period of time. During the 0% period, you won't owe any interest on your debt. Everything You Need To Know About 0 APR Credit Cards 0% APR credit cards are a wise choice for many consumers. They offer good rates and many options. As long as one follows some simple guidelines before selecting his or her card, this can be a safe and economical decision. Eliminate Debt And Recover Your Credit With Consumer Credit Counseling You don't need to hide from your debt problems any longer. Do something before it catches up with you and make an appointment with a qualified consumer credit counselor. If you need to file for bankruptcy, the sooner you meet with them the better. After your first appointment, you will have a clear plan and some goals to work towards.