The primary benefit of a 0% APR credit card is that it allows you to carry a balance temporarily without paying interest. This essentially functions like a short-term interest-free loan, which can be incredibly useful for financing a large purchase or consolidating high-interest debt. During the promotional period—usually 12 to 18 months—you can make payments on your balance without accruing any interest. This gives you breathing room to pay off debt faster and more affordably. Just be sure to pay down the balance before the promotional window ends, as the APR will revert to a higher standard rate afterward.