- Consumer Financial Protection Bureau. “Credit Cards Key Terms.” Accessed October 22, 2026. https://www.consumerfinance.gov/consumer-tools/credit-cards/answers/key-terms/.
- Consumer Financial Protection Bureau. “What Is a Balance Transfer Fee? Can a Balance Transfer Fee Be Charged on a Zero Percent Interest Rate Offer?” Last reviewed September 23, 2024. Accessed October 22, 2026. https://www.consumerfinance.gov/ask-cfpb/what-is-a-balance-transfer-fee-can-a-balance-transfer-fee-be-charged-on-a-zero-percent-interest-rate-offer-en-53/.
- Consumer Financial Protection Bureau. “How Long Can I Keep a Low Rate on a Balance Transfer or Other Introductory Rate?” Last reviewed September 23, 2024. Accessed October 22, 2026. https://www.consumerfinance.gov/ask-cfpb/how-long-can-i-keep-a-low-rate-on-a-balance-transfer-or-other-introductory-rate-en-15/.
- Hillebrand, Gail. “How to Understand Special Promotional Financing Offers on Credit Cards.” Consumer Financial Protection Bureau, June 8, 2017. Accessed October 22, 2026. https://www.consumerfinance.gov/archive/blog/how-understand-special-promotional-financing-offers-credit-cards/.
- Consumer Financial Protection Bureau. “Do I Pay Interest on New Purchases after I Get a Zero or Low Rate Balance Transfer?” Last reviewed January 22, 2024. Accessed October 22, 2026. https://www.consumerfinance.gov/ask-cfpb/do-i-pay-interest-on-new-purchases-after-i-get-a-zero-or-low-rate-balance-transfer-en-49/.
- Consumer Financial Protection Bureau. The Consumer Credit Card Market: Report to Congress. December 2025, 52–53, 57–59. Accessed October 22, 2026. https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-card-market-report_2025.pdf.
- Agarwal, Sumit, Andrea Presbitero, André F. Silva, and Carlo Wix. “Who Pays for Your Rewards? Redistribution in the Credit Card Market.” Finance and Economics Discussion Series 2023-007. Washington, DC: Board of Governors of the Federal Reserve System, 2023, 1–5, 10–11. https://doi.org/10.17016/FEDS.2023.007. https://www.federalreserve.gov/econres/feds/files/2023007pap.pdf.
- Consumer Financial Protection Bureau. “What Do I Need to Know about Consolidating My Credit Card Debt?” Last reviewed September 2, 2026. Accessed October 22, 2026. https://www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-know-if-im-thinking-about-consolidating-my-credit-card-debt-en-1861/.
Zero Interest, Same Decisions – Footnotes
