QUICK ANSWER
When a 0% intro APR period ends, the card's regular APR applies to any remaining balance from then on. The best plan is to pay the balance down during the intro period; if you can't, options include refinancing into a term loan or line of credit, or balance transfers.
The regular rate kicks in
Intro rates are temporary. After they end, interest accrues on the remaining balance at the card's standard rate, which is often much higher. Check each card's terms so you know the exact end date and rate.
A simple payoff plan
- List every card, its balance, and its intro end date.
- Divide each balance by the months left to get a monthly target.
- Pay down cards with the earliest end dates first.
- Revisit monthly as your business revenue grows.
If you still have a balance
Once your business has revenue, you may qualify for a term loan or line of credit to refinance remaining balances at a lower rate than standard card APR. Comparing offers early gives you time to choose.
Compare funding offers
One application, 500+ lenders. No hard credit pull to check your options.
Check my optionsFrequently asked questions
Is interest charged retroactively?
Most true 0% intro APR cards charge interest only going forward. Deferred-interest promotions are different — read your terms.
Can I refinance card debt?
Often yes, once your business has revenue. Our main application compares offers from 500+ lenders.