When you come right down to it, 0% credit card offers can provide a wide array of benefits and advantages to the disciplined and vigilant card holder. Under most circumstances it works like this: You sign up for the card, receive a 0% annual percentage rate for an introductory amount of time or in some cases until you pay off the balance entirely at which time it resets back to a normal (high) rate. Consumers have utilized these cards for a umber of purposes.