When it comes to introductory APR offers, many will apply to both new purchases and balance transfers, offering the same 0% rate and the same promotional period. However, that’s not always the case. Some offers may have different rates and/or promotional periods for each transaction type, or the offer may only apply to either new purchases or balance transfers, but not both. Some introductory offers will only apply to one type of transaction, such as new purchases or balance transfers. For example, a credit card may offer 0% APR for 12 months on new purchases, while providing only six months of 0% APR on balance transfers. Similarly, a card may offer 18 months of 0% APR for balance transfers, but no introductory APR offer for new purchases. A 0% intro APR deal will not apply to cash advances in most cases. In fact, the opposite is true. The interest rate is often higher on cash advances than your regular purchase APR. And you’ll often start racking up interest on your cash advance as soon as you receive your funds because cash advances rarely include a repayment grace period.