Today's Credit Card Offer

I've been bad about chronicling my credit card offers, but, rest assured, they're still coming.

Today I got a special invite from the First Equity Platinum Business Card, and I'm a little confused by it because it seems to be telling me that I could get an APR for purchases that is 0%. That's not an introductory offer--that's the ongoing rate. It's a variable-rate card, so I also could get a rate of 23.99% or somewhere in between, but I've never seen a credit card that offers the potential for a 0% interest rate on an ongoing basis.

I'm suspicious.

It's issued by Columbus Bank & Trust, who I've heard of but I'm not sure if I've heard of positively or negatively.

I'm passing. I don't really need a credit card, and I tend to live by the adage that if it seems too good to be true, it probably is.