Why promo APRs are easy to forget
The offer paperwork shows up once. The end date lives in a statement you haven't opened in nine months. By the time you remember, the rate has already snapped back.
Promo APR deadline tracker
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On track243 days left·Needs $519/mo·Gap $169/mo
Keep these deadlines. Free. Cardinate emails you before each promo ends.
Cardinate · Pro
Track promo APRs automatically with Cardinate.
Cardinate watches every promo window in your wallet, sends a heads-up as the deadline approaches, and recalculates the payment needed as the balance moves.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.
What & why
Promo APRs are easy to win and easy to forget.
How to calculate the payment needed
Take the promo balance and divide by the months remaining in the promo. That's the monthly payment that gets you to zero on time.
Why Cardinate tracks promo APR deadlines
Because a missed promo deadline is the most expensive thing in your wallet, and the easiest one to prevent.
What to do if your promo is ending soon
Either raise the monthly payment, or look at moving the remainder to a new 0% transfer. The balance transfer calculator can tell you which is cheaper.
FAQ
Frequently asked questions
A temporary low or 0% interest rate offered on purchases or balance transfers for a fixed window, typically 6 to 21 months.
Whatever balance is left starts accruing interest at the regular (post-promo) APR going forward. A few cards charge deferred interest retroactively, so read the offer terms.
Divide the promo balance by the number of months left in the promo period. The tracker above does it automatically for each card.
Yes. Add as many as you carry. The tracker sorts by urgency so the most time-sensitive one is always at the top.