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Credit, charge, ATM, and debit cards aren't all alike. Here's some information to help you choose wisely. Credit cards, charge cards, ATM cards, and debit. Intro APR0% intro APR for 12 months, applies to purchases and to any balance transfers made within 60 days of account opening. After that, % - %. There are general rewards cards that offer a flat rate for all eligible purchases, while others let you earn higher rates for certain categories. There are.