Intro APR winner
Tie
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Both credit cards offer the same introductory annual percentage rate (APR) promotions. With these cards, you’d get a 0 percent introductory APR for purchases, as well as a 10.99 percent introductory APR for balance transfers, for six months from account opening. After that, the 17.24% – 26.24% Variable APR would kick in.
If this is your first credit card, you’re likely not going to have to take advantage of the balance transfer promotion, but you might find the purchase promotion pretty helpful. With a 0 percent introductory APR, you can essentially carry a balance on your credit card for up to six months interest-free, making it helpful for paying down large purchases at the beginning of the school year, like new books or dorm furniture.