card_name
Intro APR: intro_apr_rate,intro_apr_duration · Regular APR: reg_apr,reg_apr_type · Annual fee: annual_fees
Credit Cards for Wedding Expenses: A Practical Starter Guide
Honeyfund Favorite Credit Cards with 0% Intro APR
0% intro APR cards can give you a temporary window to spread out costs without paying interest, as long as you make minimum payments on time and pay the balance in full before the intro period ends. During the intro window, new purchases won’t accrue interest; after it ends, any remaining balance moves to the card’s regular APR. If your credit is poor, your best move is to build it first (on-time payments, low balances, and avoiding late fees), then revisit 0% options—see “How to check your credit score” below. Terms apply; always review each card’s current details.
Honeyfund has partnered with CardRatings for our coverage of credit card products. Honeyfund and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses and recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms and Conditions apply. For American Express offers, Terms apply.
Featured 0% intro APR cards
Listed roughly from more accessible profiles to more premium; actual approval depends on your full credit profile and issuer criteria.
card_name Terms apply. See Rates and Fees
Intro APR: intro_apr_rate,intro_apr_duration · Regular APR: reg_apr,reg_apr_type · Annual fee: annual_fees
card_name Terms apply. See Rates and Fees
Intro APR: intro_apr_rate,intro_apr_duration · Regular APR: reg_apr,reg_apr_type · Annual fee: annual_fees
Using Honeyfund with your card
Pairing a 0% intro APR card with your Honeyfund can help you time payments responsibly. Put eligible purchases on the card (venue deposit, flights, hotel), then apply Honeyfund cash gifts toward your statement before the intro period ends—so you avoid interest while earning any rewards the card offers. Turn on account alerts, track your statement close date, and keep receipts. Always review each issuer’s terms before relying on purchase protection or other benefits.
How 0% intro APR works
During the intro window (e.g., 0% intro APR on purchases for X months), interest doesn’t accrue on new purchases you make after account opening. You must make on-time minimum payments and pay off the balance before the intro ends; afterwards, any remaining balance begins accruing interest at the regular APR. Some cards also offer separate 0% intro APR periods for balance transfers (different timelines and fees may apply). Always review the issuer’s terms before relying on any intro rate.
How to check your credit score
- Bank & card apps: Many issuers show your FICO® or VantageScore® for free.
- Monitoring tools: Reputable services can track score changes and alerts.
- Annual reports: Get free reports at AnnualCreditReport.com; reviewing reports won’t hurt your score.
- Fast ways to build: Pay on time, keep balances low vs. limits (utilization), avoid unnecessary hard inquiries, and keep older accounts open when sensible.
FAQ
Do 0% intro APR cards exist for “good” credit (not excellent)?
Yes—some mainstream cards market to “good to excellent” profiles. Check the “Credit needed” line on each tile; approval is never guaranteed and depends on your full profile.
What happens if I don’t pay off before the intro ends?
Any remaining balance will begin accruing interest at the regular APR shown for the card.
Is balance transfer 0% the same as purchase 0%?
No. They can have different durations and fees. If moving existing debt, look for the balance transfer intro APR and transfer fee details.
Will applying hurt my credit?
Most applications use a hard inquiry, which can temporarily impact your score. Consider pre-qualification tools (soft inquiry) first.
Anything else I should do before applying?
Verify your income, check your reports for errors, and read the issuer’s most recent terms so you understand intro timelines, fees, and benefits.
Honeyfund has partnered with CardRatings for our coverage of credit card products. Honeyfund and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses and recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms and Conditions apply. For American Express offers, Terms apply.