0% APR means that you don’t have to pay any interest rates on your balance. This is typically a promotion for new cardholders that has an expiration date. 0% APR typically doesn’t last longer than a year, and once this period is over, the normal interest rate determined by your card issuer will apply. If you have a good credit score, you can easily find low interest cards with a 0% introductory APR that can last up to 21 months. The promotional 0% APR can be terminated sooner if you violate the terms and conditions of your card, such as not making the minimum payment by the specified due date.