Cardinate
Promo APR

Never let a promo APR deadline surprise you.

Track every 0% APR end date and the exact monthly payment you need to land at zero before the snap-back rate kicks in.

Promo APR deadline tracker

$
%
$
On track245 days left·Needs $514/mo·Gap $164/mo
$
%
$
Watch61 days left·Needs $885/mo·Gap $685/mo

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.

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.

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.

Keep exploring

Balance transfer calculator

See if moving the remainder to a new 0% promo is worth it.

Payoff calculator

Model what happens after the promo ends.

Spending tracker

Keep an eye on every card alongside your promo deadlines.

FAQ

Frequently asked questions