Your 0% APR end date is printed on every monthly statement, usually buried on page two or three. Here's where to look on Chase, Capital One, Citi, Wells Fargo, Bank of America, and Discover — and what to do once you have the date.
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Every issuer is required by federal law (TILA, the Truth in Lending Act) to disclose the end date of any promotional APR on your monthly statement. The fastest way to find it is to download your most recent statement PDF and search for "promotional" or "intro APR." The date will be next to the rate.
The exact wording varies by bank, but the date is always there. Below are the specific steps for each major US issuer. If your card isn't listed, use the statement shortcut at the end.
Log in at chase.com, open the card, then "Statements." Download the most recent PDF. Search the document (Ctrl+F) for "promotional" — the end date is listed next to the rate. Chase typically prints it under "Important Information About Your Account." The Chase app does not show it directly.
In the Capital One mobile app, tap the card, scroll to "Account Details," and look for "Promotional rate ends." If it's not displayed there, open your statement PDF and search for "promo rate" or "introductory APR." The date appears next to the balance subject to the promo rate.
On Citi statements, the date is under "Interest Charge Calculation" or "Important Information." Look for the line that says "Intro APR period expires on [date]." If you can't find it, call cardmember services — the number is on the back of your card and agents pull this up in seconds.
Wells Fargo prints the end date in the "Promotional Balance" section of your statement. It's usually on page two, next to the promotional balance amount and the rate. The Wells Fargo app does not consistently show this — use the statement PDF or call the number on the back of your card.
On a Bank of America statement, find the section titled "Important Information About Your Credit Card Account." The promo end date is listed there along with the standard APR that will apply afterward. The BofA app chat can also confirm the date if you message support.
Discover is the most transparent of the major issuers. Log in to your account, look at the Account Summary page — the intro APR expiration shows under "Promotional Balance." It's also in the welcome materials and on every monthly statement. Easiest to find of any major card.
If you can't find the date with the steps above, download every PDF statement from the last six months. Open the most recent one and search for "promotional," "intro APR," "introductory," or "promo." One of those terms will land on the end date. If still nothing, call. Five minutes max.
Many cards have separate 0% intro APR periods for purchases and for balance transfers, each with its own end date. They can differ by months. When you find one, check the statement for a second one. Both will be listed if they exist.
Applies to anything you bought with the card during the promo period. After the end date, the remaining purchase balance starts accruing interest at the standard purchase APR.
Applies only to balances you transferred from another card. Often a shorter window than the purchase APR. Has its own deadline, and missing it can be costly because transfer balances tend to be larger.
Once you know the exact date, set a reminder for 60 days before. That gives you time to pay off the balance, transfer it, or accept the standard APR with a clear plan, not under panic. For the cost math on what happens if you miss the date, see what happens when 0% APR expires.
If you have multiple cards with intro APRs, set a separate reminder for each one. The dates are almost always different. A two-minute investment now buys you advance warning instead of a surprise interest charge later.
Look at your most recent credit card statement. The promotional APR end date is listed in the "Promotional balance" section or "Important Information About Your Account," usually on page two or three. It states the exact date the intro rate expires and what the standard APR will become.
Log in at chase.com, open the card, and view your most recent statement PDF. Scroll to the "Important Information" section — the promotional rate end date is listed there. The Chase mobile app does not display this date prominently, so the statement is the reliable source.
In the Capital One app, open the card, scroll to "Account details," and look for "Promotional rate ends" or check your monthly statement. Capital One typically prints the date in bold under the rates and fees section of the statement.
Citi shows the promotional rate expiration on your statement under the "Interest Charge Calculation" or "Important Information" section. You can also call Citi cardmember services — they'll tell you the exact date over the phone in under a minute.
On Wells Fargo statements, look for the "Promotional Balance" or "Important Account Information" section, typically on page two. The end date is printed next to the promo balance and the rate that will take over. The Wells Fargo app does not always display this, so use the statement.
Bank of America statements list the promotional period end date in the "Important Information About Your Credit Card Account" section. You can also message support through the BofA app — agents have access to the date directly and can confirm it for you.
Discover shows the intro APR expiration prominently on the Account Summary page in your online account, under "Promotional Balance." It also appears on your monthly statement and in the welcome materials sent when you opened the card.
Call the number on the back of your card and ask "When does my promotional APR period end?" The rep can pull it up in seconds. Have your card handy. While you have them on the line, also ask about your standard APR and any other promo balances on the account.
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