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EDUCATIONAL GUIDE

What an introductory 0% really means

A promotion can be useful when you understand what it covers and when it ends.

By JRC Strategic Group LLC · Reviewed November 8, 2026

0% has a scope

It may apply to eligible purchases, transfers or other transactions depending on the product. Do not assume it includes cash advances or every transaction.

Check start and end dates

The period may run from account opening. Confirm the exact offer that applies to you in writing.

Obligations remain

You must comply with issuer payment requirements and terms. Fees and other conditions may apply even with a 0% introductory APR.

Plan for any remaining balance

The applicable APR applies after the introductory period. Review current terms and prepare a plan before using the account.

Sources and official readingChase — Business cards and offer terms

General educational content. Not an eligibility assessment or legal, tax or investment advice. Product conditions may change.

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