We know how you guys love 0% APR credit cards, so check out this list of 50 of them from Consumerism Commentary. 0% APR credit cards let you do a number of things—you can use someone else’s money for free, help yourself pay off your debt without gaining interest, etc. Each offer is different, however, so you want to make sure you read and understand the conditions of the offer and choose one that fits your needs.