0% intro APR cards can help you skip interest while you pay off debt or finance big purchases. See how to use this underrated perk to your advantage in 2026.

Nearly half of American households have credit card debt and pay more than 20% in interest on their revolving balances. Even when the Federal Reserve cuts rates, those high APRs don't fall much.

The first step, consumer finance experts say, is to ask your card issuer to reduce the rate. And with average balances now $6,500, consider using your tax refund to put a dent in the debt.