RatesAutority
April 2026
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Balance check

What's your current credit card balance?

We use this to calculate your potential savings and filter offers worth your time.

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0% APR Card Finder

Stop paying interest.
Start paying down debt.

The average American carries $5,733 in credit card debt at 22.8% APR — that's over $1,100 a year going straight to the bank before touching the principal. A 0% intro APR card changes that math completely.

Avg APR right now
22.8%
All US credit cards
Best 0% period
21 mo.
Zero interest
Avg balance carried
$5,733
Per US cardholder
Vetted offers
47+
$0 annual fee
Interest paid on a $5,000 balance
$1,140$0
For 15 months with a 0% intro APR card
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