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Intro rates matter, but they are merely the introduction to what could be a life of higher fees
Submitted by a LOZO expert
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If you normally carry a balance on your card, and want to get some immediate savings with a low intro rate offer, this can be a good way to immediately save some cash. However, the regular rate is where your balance will spend most of its time so pay just as much or more attention to that number. A 0% rate for 3 months, followed by 20% for the rest of the year, is really like paying 15% year round (and 20% for the year after that). You would have been better off with a card that started and stayed at 12% if you kept a balance all year.