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August 29, 2022
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This article was last updated August 29, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
The Wells Fargo Reflect® Card is our top pick for the overall best 0% APR credit card, due to its lengthy intro periods on both purchases and balance transfers. Additionally, the card comes with a reasonable balance transfer fee and a $0 annual fee.
Whether you’re planning a big purchase that will take months to pay off, or you need to transfer a balance from a high-interest credit card to help you get out of debt faster, a credit card offering a 0% introductory APR can be a useful tool. We’ll help you identify the best 0% APR credit card with an intro APR period that works for you.
During the intro period, 100% of each payment will go toward the principal of your debt, rather than toward interest charges plus the principal owed.
Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we’ve selected numerous cards with 0% intro APR periods ranging from 12 to 21 months. It’s also important to know that most cards offering longer balance transfer intro periods will typically charge a 3% to 5% balance transfer fee.
In addition, when transferring a balance, make sure to select a credit card from a different issuer than your existing card — you won’t be able to transfer balances between two cards from the same issuer.
Credit needed: Excellent/Good
Purchase APR: 0% intro APR up to 21 months from account opening . You start with 18 months of intro APR and have an opportunity to earn an extension by making on-time minimum payments. After the intro period, a 15.99% - 27.99% variable APR applies.
Balance transfer APR: 0% intro APR up to 21 months from account opening on qualifying balance transfers. You start with 18 months of intro APR and have an opportunity to earn an extension by making on-time minimum payments. After the intro period, a 15.99% - 27.99% variable APR applies.
Balance transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5.
| Pros | Cons |
|---|---|
Long intro APR on balance transfers and new purchases Extend your intro period by making on-time payments $0 annual fee Offers cellphone protection | No rewards program Few benefits outside the intro offer Charges a balance transfer fee High regular APR |
Simply put, the Wells Fargo Reflect® Card is an excellent credit card for anyone who needs a long period with no interest. As long as you’re making your payments on time — which you should do with any intro APR card, as late payments can cause you to lose the promotional period — this card offers the chance to get the initial 18-month period extended by up to three additional months.
Whether you’re planning a large purchase or need to transfer debt from a non-Wells Fargo card, this card is a great option. However, be aware that if you’ve opened any other Wells Fargo credit card in the past 15 months, you might not be eligible for this card’s intro APR offer. Know as well that if you’ve opened any other Wells Fargo credit card in the past six months, you might not be approved for this card at all.
Credit needed: Excellent/Good
Purchase APR: 0% intro APR up to 21 months from account opening . You start with 18 months of intro APR and have an opportunity to earn an extension by making on-time minimum payments. After the intro period, a 15.99% - 27.99% variable APR applies.
Balance transfer APR: 0% intro APR up to 21 months from account opening on qualifying balance transfers. You start with 18 months of intro APR and have an opportunity to earn an extension by making on-time minimum payments. After the intro period, a 15.99% - 27.99% variable APR applies.
Balance transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5.
| Pros | Cons |
|---|---|
Long intro APR on balance transfers and new purchases Extend your intro period by making on-time payments $0 annual fee Offers cellphone protection | No rewards program Few benefits outside the intro offer Charges a balance transfer fee High regular APR |
Simply put, the Wells Fargo Reflect® Card is an excellent credit card for anyone who needs a long period with no interest. As long as you’re making your payments on time — which you should do with any intro APR card, as late payments can cause you to lose the promotional period — this card offers the chance to get the initial 18-month period extended by up to three additional months.
Whether you’re planning a large purchase or need to transfer debt from a non-Wells Fargo card, this card is a great option. However, be aware that if you’ve opened any other Wells Fargo credit card in the past 15 months, you might not be eligible for this card’s intro APR offer. Know as well that if you’ve opened any other Wells Fargo credit card in the past six months, you might not be approved for this card at all.
Credit needed: Excellent/Good
Purchase APR: 0% Intro APR for 21 billing cycles for purchases, after which a 14.24% - 24.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, after which a 14.24% - 24.24% Variable APR applies.
Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.
| Pros | Cons |
|---|---|
Long intro APR on purchases and balance transfers $0 annual fee No penalty APR | No rewards program Charges a balance transfer fee Few benefits outside the intro offer |
The BankAmericard® credit card is a good choice if you want a card with a long intro APR on purchases and balance transfers with a reasonable balance transfer fee.
In addition, if you can’t pay off your balance off in full during the intro period, it’s good to note the regular APR starts a bit lower than some competing cards. If your regular APR is set toward the lower end of the range, you could save money on interest charges during those months you have to roll over a balance.
Credit needed: Excellent/Good
Purchase APR: 0% Intro APR for 21 billing cycles for purchases, after which a 14.24% - 24.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, after which a 14.24% - 24.24% Variable APR applies.
Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.
| Pros | Cons |
|---|---|
Long intro APR on purchases and balance transfers $0 annual fee No penalty APR | No rewards program Charges a balance transfer fee Few benefits outside the intro offer |
The BankAmericard® credit card is a good choice if you want a card with a long intro APR on purchases and balance transfers with a reasonable balance transfer fee.
In addition, if you can’t pay off your balance off in full during the intro period, it’s good to note the regular APR starts a bit lower than some competing cards. If your regular APR is set toward the lower end of the range, you could save money on interest charges during those months you have to roll over a balance.
Purchase APR: Intro 0% for 12 months on purchases, after which a 17.74% - 27.74% (variable) APR applies.
Balance transfer APR: Intro 0% for 21 months on balance transfers, after which a 17.74% - 27.74% (variable) APR applies.
Balance transfer fee: A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
| Pros | Cons |
|---|---|
Long intro APR for balance transfers Intro APR for purchases $0 annual fee No penalty APR or late fees | Intro APR for purchases is short No rewards program Charges a balance transfer fee Few benefits outside the intro offer High regular APR |
If you need a long intro APR period to pay off debt transferred from a non-Citi card — and you’re willing to pay a high balance transfer fee — the Citi Simplicity® Card is an excellent tool. This card also offers one of the longest intro periods on balance transfers that you’ll find.
However, its intro period on purchases is lackluster, so you may be better served by using this as a balance transfer card.
Purchase APR: Intro 0% for 12 months on purchases, after which a 17.74% - 27.74% (variable) APR applies.
Balance transfer APR: Intro 0% for 21 months on balance transfers, after which a 17.74% - 27.74% (variable) APR applies.
Balance transfer fee: A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
| Pros | Cons |
|---|---|
Long intro APR for balance transfers Intro APR for purchases $0 annual fee No penalty APR or late fees | Intro APR for purchases is short No rewards program Charges a balance transfer fee Few benefits outside the intro offer High regular APR |
If you need a long intro APR period to pay off debt transferred from a non-Citi card — and you’re willing to pay a high balance transfer fee — the Citi Simplicity® Card is an excellent tool. This card also offers one of the longest intro periods on balance transfers that you’ll find.
However, its intro period on purchases is lackluster, so you may be better served by using this as a balance transfer card.
Purchase APR: Intro 0% for 12 months on purchases, after which a 16.74% - 26.74% (variable) APR applies.
Balance transfer APR: Intro 0% for 21 months on balance transfers, after which a 16.74% - 26.74% (variable) APR applies.
Balance transfer fee: A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
| Pros | Cons |
|---|---|
Long intro APR for balance transfers Intro APR for purchases $0 annual fee | Intro APR on purchases is on the short side No rewards program Charges a balance transfer fee |
The Citi® Diamond Preferred® Card is good for someone who wants a no-frills credit card with a long intro APR on balance transfers. Much like the Citi Simplicity® Card, this card charges a balance transfer fee that’s higher than the more standard 3%, but offers you a generous amount of time to pay off debt transferred from another card.
And, like the Citi Simplicity® Card, the Citi® Diamond Preferred® Card has an intro APR on purchases that’s a bit lackluster. Stick to using it as a balance transfer card rather than for big purchases, if possible.
Purchase APR: Intro 0% for 12 months on purchases, after which a 16.74% - 26.74% (variable) APR applies.
Balance transfer APR: Intro 0% for 21 months on balance transfers, after which a 16.74% - 26.74% (variable) APR applies.
Balance transfer fee: A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
| Pros | Cons |
|---|---|
Long intro APR for balance transfers Intro APR for purchases $0 annual fee | Intro APR on purchases is on the short side No rewards program Charges a balance transfer fee |
The Citi® Diamond Preferred® Card is good for someone who wants a no-frills credit card with a long intro APR on balance transfers. Much like the Citi Simplicity® Card, this card charges a balance transfer fee that’s higher than the more standard 3%, but offers you a generous amount of time to pay off debt transferred from another card.
And, like the Citi Simplicity® Card, the Citi® Diamond Preferred® Card has an intro APR on purchases that’s a bit lackluster. Stick to using it as a balance transfer card rather than for big purchases, if possible.
Credit needed: Excellent/Good
Purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 17.49% - 27.49% (variable) APR applies.
Balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 17.49% - 27.49% (variable) APR applies.
Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
| Pros | Cons |
|---|---|
Long intro APR for purchases and balance transfers $0 annual fee Cellphone protection | No rewards program Few benefits Foreign transaction fee |
With a reasonable balance transfer fee and long intro APRs on both balance transfers and new purchases, the U.S. Bank Visa® Platinum Card is a rock star of a card for consumers needing lengthy no-interest periods. That said, if you’re looking to avoid a balance transfer fee and can live with a shorter intro APR offer, you might prefer a card like the Navy Federal Platinum Credit Card.
Credit needed: Excellent/Good
Purchase APR: 0% intro APR for 18 billing cycles on Purchases, after which a 17.49% - 27.49% (variable) APR applies.
Balance transfer APR: 0% intro APR for 18 billing cycles on Balance Transfers, after which a 17.49% - 27.49% (variable) APR applies.
Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
| Pros | Cons |
|---|---|
Long intro APR for purchases and balance transfers $0 annual fee Cellphone protection | No rewards program Few benefits Foreign transaction fee |
With a reasonable balance transfer fee and long intro APRs on both balance transfers and new purchases, the U.S. Bank Visa® Platinum Card is a rock star of a card for consumers needing lengthy no-interest periods. That said, if you’re looking to avoid a balance transfer fee and can live with a shorter intro APR offer, you might prefer a card like the Navy Federal Platinum Credit Card.
Purchase APR: 0% Intro APR on Purchases for 18 months. After the intro period, a 17.24% - 25.99% variable APR applies.
Balance transfer APR: 0% Intro APR on Balance Transfers for 18 months. After the intro period, a 17.24% - 25.99% variable APR applies.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After, either $5 or 5% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Long intro APR on purchases and balance transfers Get considered for an APR reduction $0 annual fee Automatic reviews to increase your credit limit Additional benefits, like purchase protection | No rewards program High regular APR Charges a balance transfer fee |
With its generous intro APRs on purchases and balance transfers, the Chase Slate Edge℠ is another good option for someone who wants a long intro APR card with no frills. It offers a year and a half of no interest, which can help you finance a large purchase over time or pay down other high-interest debt more quickly without incurring interest charges.
Plus, once those intro APR promotion periods expire, cardholders also have the opportunity to be considered for an APR rate reduction up to 2% from the regular APR each year by just spending at least $1,000 on the card by the next account anniversary.
While there are isn’t a rewards program that comes with the Chase Slate Edge℠, know that you can save some cash using it just for it intro APR deals — all for a $0 annual fee.
Purchase APR: 0% Intro APR on Purchases for 18 months. After the intro period, a 17.24% - 25.99% variable APR applies.
Balance transfer APR: 0% Intro APR on Balance Transfers for 18 months. After the intro period, a 17.24% - 25.99% variable APR applies.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After, either $5 or 5% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Long intro APR on purchases and balance transfers Get considered for an APR reduction $0 annual fee Automatic reviews to increase your credit limit Additional benefits, like purchase protection | No rewards program High regular APR Charges a balance transfer fee |
With its generous intro APRs on purchases and balance transfers, the Chase Slate Edge℠ is another good option for someone who wants a long intro APR card with no frills. It offers a year and a half of no interest, which can help you finance a large purchase over time or pay down other high-interest debt more quickly without incurring interest charges.
Plus, once those intro APR promotion periods expire, cardholders also have the opportunity to be considered for an APR rate reduction up to 2% from the regular APR each year by just spending at least $1,000 on the card by the next account anniversary.
While there are isn’t a rewards program that comes with the Chase Slate Edge℠, know that you can save some cash using it just for it intro APR deals — all for a $0 annual fee.
Purchase APR: 0% Intro APR for 18 billing cycles for purchases, after which a 16.24% - 26.24% Variable APR applies.
Balance transfer APR: Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, after which a 16.24% - 26.24% Variable APR on balance transfers applies.
Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.
| Pros | Cons |
|---|---|
1.5% cash back on all purchases Intro APR on balance transfers and purchases $0 annual fee | Other cards have longer intro periods Charges a balance transfer fee |
The Bank of America® Unlimited Cash Rewards credit card comes with a solid 0% intro APR on both purchases and balance transfers, and charges a reasonable balance transfer fee. Plus, it offers ongoing value in the form of flat-rate rewards.
Cardholders earn 1.5% cash back on all purchases.
For the sign-up bonus: earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Purchase APR: 0% Intro APR for 18 billing cycles for purchases, after which a 16.24% - 26.24% Variable APR applies.
Balance transfer APR: Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, after which a 16.24% - 26.24% Variable APR on balance transfers applies.
Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.
| Pros | Cons |
|---|---|
1.5% cash back on all purchases Intro APR on balance transfers and purchases $0 annual fee | Other cards have longer intro periods Charges a balance transfer fee |
The Bank of America® Unlimited Cash Rewards credit card comes with a solid 0% intro APR on both purchases and balance transfers, and charges a reasonable balance transfer fee. Plus, it offers ongoing value in the form of flat-rate rewards.
Cardholders earn 1.5% cash back on all purchases.
For the sign-up bonus: earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit needed: Excellent/Good
Purchase APR: 0% intro APR for 15 months from account opening, after which a 17.99%, 22.99%, or 27.99% variable APR applies.
Balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 17.99%, 22.99%, or 27.99% variable APR applies.
Balance transfer fee: 3% intro for 120 days from account opening, then up to 5%; min: $5.
| Pros | Cons |
|---|---|
High rate of cash back on every purchase Generous sign-up bonus Cell phone protection | There are cards with longer intro offers Charges a balance transfer fee High regular APR |
The Wells Fargo Active Cash® Card is one of the best options for a cardholder looking for an introductory APR along with a great rewards program. It lets cardholders earn unlimited 2% cash rewards on purchases. Plus, there’s a sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Once you’re done paying off any balance you incur from taking advantage of the card’s intro APR periods, you’ll want to keep the Wells Fargo Active Cash® Card in your wallet for everyday purchases.
Be aware that you might not be eligible for this card’s intro APRs or the sign-up bonus if you’ve opened any other Wells Fargo credit card in the past 15 months — and if you’ve opened a Wells Fargo credit card in the past six months, you might be denied for the Wells Fargo Active Cash® Card entirely.
Credit needed: Excellent/Good
Purchase APR: 0% intro APR for 15 months from account opening, after which a 17.99%, 22.99%, or 27.99% variable APR applies.
Balance transfer APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, after which a 17.99%, 22.99%, or 27.99% variable APR applies.
Balance transfer fee: 3% intro for 120 days from account opening, then up to 5%; min: $5.
| Pros | Cons |
|---|---|
High rate of cash back on every purchase Generous sign-up bonus Cell phone protection | There are cards with longer intro offers Charges a balance transfer fee High regular APR |
The Wells Fargo Active Cash® Card is one of the best options for a cardholder looking for an introductory APR along with a great rewards program. It lets cardholders earn unlimited 2% cash rewards on purchases. Plus, there’s a sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Once you’re done paying off any balance you incur from taking advantage of the card’s intro APR periods, you’ll want to keep the Wells Fargo Active Cash® Card in your wallet for everyday purchases.
Be aware that you might not be eligible for this card’s intro APRs or the sign-up bonus if you’ve opened any other Wells Fargo credit card in the past 15 months — and if you’ve opened a Wells Fargo credit card in the past six months, you might be denied for the Wells Fargo Active Cash® Card entirely.
Purchase APR: 0% intro on purchases for 15 months, after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer APR: 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer fee: 3%
| Pros | Cons |
|---|---|
Earn flat-rate cash back on most purchases Intro APR on balance transfers and purchases $0 annual fee Automatic reviews to increase your credit limit Foreign transaction fees: None | There are cards with longer intro offers Charges a balance transfer fee High regular APR |
The Capital One Quicksilver Cash Rewards Credit Card is another good choice for someone looking for a rewards credit card with an intro APR. It earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
There’s also a sign-up bonus: Capital One Quicksilver Cash Rewards Credit Card cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
In short, after you’re done using the card for its intro APR offers, it’s worth keeping around for a flat cash back rate on everyday spending. Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using the Capital One Quicksilver Cash Rewards Credit Card when traveling abroad.
Purchase APR: 0% intro on purchases for 15 months, after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer APR: 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer fee: 3%
| Pros | Cons |
|---|---|
Earn flat-rate cash back on most purchases Intro APR on balance transfers and purchases $0 annual fee Automatic reviews to increase your credit limit Foreign transaction fees: None | There are cards with longer intro offers Charges a balance transfer fee High regular APR |
The Capital One Quicksilver Cash Rewards Credit Card is another good choice for someone looking for a rewards credit card with an intro APR. It earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
There’s also a sign-up bonus: Capital One Quicksilver Cash Rewards Credit Card cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
In short, after you’re done using the card for its intro APR offers, it’s worth keeping around for a flat cash back rate on everyday spending. Plus, thanks to the lack of a foreign transaction fee, you can feel comfortable using the Capital One Quicksilver Cash Rewards Credit Card when traveling abroad.
Purchase APR: 0% Intro APR on Purchases for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn elevated cash back on rotating quarterly categories Intro APR on balance transfers and purchases $0 annual fee Good additional benefits, like purchase protection | No rewards program Few other benefits |
For those who want to put some extra maintenance into a credit card to earn extra rewards, the Chase Freedom Flex℠ is a great choice. It comes with a stellar rewards program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Note that you’ll need to activate the rotating categories every quarter, and the elevated cash back rate in those rotating categories will be limited to $1,500 spent per quarter.
There’s also a generous sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! In short, once you’re done using the Chase Freedom Flex℠ for its intro APR offers, it’s well worth keeping on hand to earn cash back.
Purchase APR: 0% Intro APR on Purchases for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn elevated cash back on rotating quarterly categories Intro APR on balance transfers and purchases $0 annual fee Good additional benefits, like purchase protection | No rewards program Few other benefits |
For those who want to put some extra maintenance into a credit card to earn extra rewards, the Chase Freedom Flex℠ is a great choice. It comes with a stellar rewards program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Note that you’ll need to activate the rotating categories every quarter, and the elevated cash back rate in those rotating categories will be limited to $1,500 spent per quarter.
There’s also a generous sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! In short, once you’re done using the Chase Freedom Flex℠ for its intro APR offers, it’s well worth keeping on hand to earn cash back.
Purchase APR: 0% Intro APR on Purchases for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn cash back in popular spending categories Intro APR on balance transfers and purchases $0 annual fee Other good benefits, like purchase protection | Other cards have longer intro periods High regular APR Charges a balance transfer fee |
The Chase Freedom Unlimited® is another great rewards credit card from Chase for cardholders who prefer simpler rewards. It comes with a great rewards program: Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
You can also earn a sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Purchase APR: 0% Intro APR on Purchases for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer APR: 0% Intro APR on Balance Transfers for 15 months, after which a 17.24% - 25.99% variable APR applies.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn cash back in popular spending categories Intro APR on balance transfers and purchases $0 annual fee Other good benefits, like purchase protection | Other cards have longer intro periods High regular APR Charges a balance transfer fee |
The Chase Freedom Unlimited® is another great rewards credit card from Chase for cardholders who prefer simpler rewards. It comes with a great rewards program: Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
You can also earn a sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Purchase APR: 0% on purchases for 15 months, after which a 16.99%-27.99% Variable APR applies.
Balance transfer APR: 0% on balance transfers for 15 months, after which a 16.99%-27.99% Variable
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn a high rate of cash back on U.S. supermarket purchases Intro APR on purchases and balance transfers $0 annual fee | Intro APR is on the short side U.S. supermarket bonus is limited to $6,000 in purchases per year (then 1%) There are cards with longer intro offers |
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
For those who spend a significant amount on grocery shopping, this card’s rewards program will be valuable: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply. Cash back is redeemable for statement credits.
If you max out the $6,000 annual spending cap on such purchases, you’ll earn $180 in cash back before your earning rate drops.
Plus, there’s a welcome offer — you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
Purchase APR: 0% on purchases for 15 months, after which a 16.99%-27.99% Variable APR applies.
Balance transfer APR: 0% on balance transfers for 15 months, after which a 16.99%-27.99% Variable
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn a high rate of cash back on U.S. supermarket purchases Intro APR on purchases and balance transfers $0 annual fee | Intro APR is on the short side U.S. supermarket bonus is limited to $6,000 in purchases per year (then 1%) There are cards with longer intro offers |
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
For those who spend a significant amount on grocery shopping, this card’s rewards program will be valuable: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply. Cash back is redeemable for statement credits.
If you max out the $6,000 annual spending cap on such purchases, you’ll earn $180 in cash back before your earning rate drops.
Plus, there’s a welcome offer — you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
Purchase APR: 0% intro on purchases for 15 months, after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer APR: 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer fee: 3%
| Pros | Cons |
|---|---|
Generous cash back on food and entertainment Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee High regular APR |
Earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, because it lacks a foreign transaction fee, it’s a fine choice for a vacation abroad when you want to sample new and exciting cuisines.
There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Purchase APR: 0% intro on purchases for 15 months, after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer APR: 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), after which a 16.49% - 26.49% (variable) APR applies.
Balance transfer fee: 3%
| Pros | Cons |
|---|---|
Generous cash back on food and entertainment Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee High regular APR |
Earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
For foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card is definitely a card that offers ongoing value. Plus, because it lacks a foreign transaction fee, it’s a fine choice for a vacation abroad when you want to sample new and exciting cuisines.
There’s also a sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Purchase APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
| Pros | Cons |
|---|---|
Generous rotating cash back categories Matches cash back in your first year Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee You have to enroll in cash back categories each quarter Bonus purchases are limited to $1,500 each quarter You only earn 1% cash back on regular purchases Limited international acceptance |
The Discover it® Cash Back is one of the top cash back credit cards around — as long as you’re willing to make the effort to activate a new category quarterly. Plus, unlike the rotating categories for the Chase Freedom Flex℠ (which Chase announces ahead of each quarter), Discover makes the Discover it® Cash Back‘s categories available for the year, which makes it easy to plan when you’ll want to use this card.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Note, however, that there’s a $1,500-per-quarter limit on the bonus category’s elevated cash back rate, and you’ll have to activate the new category each quarter or you’ll earn just 1% back.
And there’s a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Purchase APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
| Pros | Cons |
|---|---|
Generous rotating cash back categories Matches cash back in your first year Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee You have to enroll in cash back categories each quarter Bonus purchases are limited to $1,500 each quarter You only earn 1% cash back on regular purchases Limited international acceptance |
The Discover it® Cash Back is one of the top cash back credit cards around — as long as you’re willing to make the effort to activate a new category quarterly. Plus, unlike the rotating categories for the Chase Freedom Flex℠ (which Chase announces ahead of each quarter), Discover makes the Discover it® Cash Back‘s categories available for the year, which makes it easy to plan when you’ll want to use this card.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Note, however, that there’s a $1,500-per-quarter limit on the bonus category’s elevated cash back rate, and you’ll have to activate the new category each quarter or you’ll earn just 1% back.
And there’s a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Purchase APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
| Pros | Cons |
|---|---|
Decent rewards on gas and restaurant purchases Matches cash back in your first year Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee You only earn 1% cash back on regular purchases Limited international acceptance |
The Discover it® chrome is a fine choice for consumers who need an intro APR period of more than a year, and ongoing cash back on gas station and restaurant purchases. You’ll earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. If you max out the 2% earnings, that’s $20 in cash back per quarter.
Plus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Purchase APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 15 months, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
| Pros | Cons |
|---|---|
Decent rewards on gas and restaurant purchases Matches cash back in your first year Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee You only earn 1% cash back on regular purchases Limited international acceptance |
The Discover it® chrome is a fine choice for consumers who need an intro APR period of more than a year, and ongoing cash back on gas station and restaurant purchases. You’ll earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. If you max out the 2% earnings, that’s $20 in cash back per quarter.
Plus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Purchase APR: 0% Intro APR for 15 months on purchases, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 15 months on balance transfers, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
| Pros | Cons |
|---|---|
Cash back on every purchases Matches rewards in your first year Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee Limited international acceptance |
If you’re looking for solid intro APR periods and flat-rate rewards, the Discover it® Miles is a fine card to consider. Cardholders automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. You can redeem miles for cash back, as a statement credit for a travel purchase, when checking out at Amazon.com or to pay with PayPal. Your miles never expire, and redemptions start as low as 1 mile (with each mile being worth 1 cent).
Plus, there’s a cash back match for new cardmembers: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Purchase APR: 0% Intro APR for 15 months on purchases, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer APR: 0% Intro APR for 15 months on balance transfers, after which a 14.24% - 25.24% Variable APR applies.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
| Pros | Cons |
|---|---|
Cash back on every purchases Matches rewards in your first year Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None | Other cards have longer intro periods Charges a balance transfer fee Limited international acceptance |
If you’re looking for solid intro APR periods and flat-rate rewards, the Discover it® Miles is a fine card to consider. Cardholders automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. You can redeem miles for cash back, as a statement credit for a travel purchase, when checking out at Amazon.com or to pay with PayPal. Your miles never expire, and redemptions start as low as 1 mile (with each mile being worth 1 cent).
Plus, there’s a cash back match for new cardmembers: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After, a 15.24% to 26.24% variable APR applies.
Balance transfer APR: 15.24% to 26.24% variable
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn bonus points at U.S. supermarkets Get a bonus for using your card often Points are very valuable and flexible Intro APR on purchases $0 annual fee | Other cards have longer intro periods No intro APR for balance transfers U.S. supermarket bonus is capped at $6,000 per year Low earnings on the remainder of purchases |
The Amex EveryDay® Credit Card from American Express offers more than a year of intro APR on new purchases and the chance to earn an OK welcome offer.
The welcome offer is as follows: 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months And for ongoing rewards: 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases
Rewards on this card come in the form of Membership Rewards points, which can be redeemed in a variety of ways, such as booking or upgrading travel, covering charges on your card or getting gift cards for numerous brands. In short, this card is best for someone planning a big purchase and interested in a $0-annual-fee Amex card that earns points.
Purchase APR: 0% introductory APR for the first 15 months from the date of account opening. After, a 15.24% to 26.24% variable APR applies.
Balance transfer APR: 15.24% to 26.24% variable
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
| Pros | Cons |
|---|---|
Earn bonus points at U.S. supermarkets Get a bonus for using your card often Points are very valuable and flexible Intro APR on purchases $0 annual fee | Other cards have longer intro periods No intro APR for balance transfers U.S. supermarket bonus is capped at $6,000 per year Low earnings on the remainder of purchases |
The Amex EveryDay® Credit Card from American Express offers more than a year of intro APR on new purchases and the chance to earn an OK welcome offer.
The welcome offer is as follows: 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months And for ongoing rewards: 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases
Rewards on this card come in the form of Membership Rewards points, which can be redeemed in a variety of ways, such as booking or upgrading travel, covering charges on your card or getting gift cards for numerous brands. In short, this card is best for someone planning a big purchase and interested in a $0-annual-fee Amex card that earns points.
Purchase APR: 0% introductory APR for the first 15 months from the date of account opening., after which a 16.24% to 27.24% variable APR applies.
Balance transfer APR: 16.24% to 27.24% variable
Balance transfer fee: N/A
| Pros | Cons |
|---|---|
Unlimited 1.5% Cash Back on your purchases Intro APR on purchases $0 annual fee | Other cards have longer intro periods No intro APR for balance transfers |
Thanks to a solid intro APR period on purchases, a competitive welcome offer and an ongoing flat cash back rate, the American Express Cash Magnet® Card is best for consumers who are planning a big purchase and like to keep things simple.
The welcome offer is as follows: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. This offer can easily be redeemed for statement credits.
And for ongoing rewards, you’ll earn unlimited 1.5% cash back on your purchases, redeemable for statement credits.
Purchase APR: 0% introductory APR for the first 15 months from the date of account opening., after which a 16.24% to 27.24% variable APR applies.
Balance transfer APR: 16.24% to 27.24% variable
Balance transfer fee: N/A
| Pros | Cons |
|---|---|
Unlimited 1.5% Cash Back on your purchases Intro APR on purchases $0 annual fee | Other cards have longer intro periods No intro APR for balance transfers |
Thanks to a solid intro APR period on purchases, a competitive welcome offer and an ongoing flat cash back rate, the American Express Cash Magnet® Card is best for consumers who are planning a big purchase and like to keep things simple.
The welcome offer is as follows: $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. This offer can easily be redeemed for statement credits.
And for ongoing rewards, you’ll earn unlimited 1.5% cash back on your purchases, redeemable for statement credits.
Purchase APR: 0% intro APR for 15 months on purchases, after which a 16.99% - 26.99% (variable) APR applies.
Balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 16.99% - 26.99% (variable) APR applies.
Balance transfer fee: 5% of each balance transfer; $5 minimum.
| Pros | Cons |
|---|---|
Elevated rewards on your top spending category Intro APR on balance transfers and purchases $0 annual fee | Other cards have longer intro periods $500 purchase limit on 5% category Other purchases only earn 1% cash back Charges a balance transfer fee |
With the Citi Custom Cash℠ Card, you get solid intro APR periods on both purchases and balance transfers, as well as ongoing value in the form of a unique cash back program: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
The Citi Custom Cash℠ Card also the following sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Categories the card selects from to determine your 5% category each month include:
Purchase APR: 0% intro APR for 15 months on purchases, after which a 16.99% - 26.99% (variable) APR applies.
Balance transfer APR: 0% intro APR for 15 months on balance transfers, after which a 16.99% - 26.99% (variable) APR applies.
Balance transfer fee: 5% of each balance transfer; $5 minimum.
| Pros | Cons |
|---|---|
Elevated rewards on your top spending category Intro APR on balance transfers and purchases $0 annual fee | Other cards have longer intro periods $500 purchase limit on 5% category Other purchases only earn 1% cash back Charges a balance transfer fee |
With the Citi Custom Cash℠ Card, you get solid intro APR periods on both purchases and balance transfers, as well as ongoing value in the form of a unique cash back program: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
The Citi Custom Cash℠ Card also the following sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Categories the card selects from to determine your 5% category each month include:
Credit needed: Excellent/Good/Fair
Purchase APR: 8.24% to 18.00% (variable)
Balance transfer APR: 0.99% introductory APR for 12 months, after which a 8.24% to 18.00% (variable) APR applies.
Balance transfer fee: $0
| Pros | Cons |
|---|---|
Intro APR on balance transfers $0 balance transfer fee Low regular APR $0 annual fee $0 foreign transaction fee | No rewards Intro period is fairly short No intro period for purchases Few other benefits outside the intro APR Military connection required |
The Navy Federal Platinum Credit Card is an excellent tool for consumers who want to avoid a balance transfer fee and can work with a shorter intro APR period.
Navy Federal Credit Union membership is open to active and retired U.S. military members, veterans, family and household members, Department of Defense personnel and more.
Credit needed: Excellent/Good/Fair
Purchase APR: 8.24% to 18.00% (variable)
Balance transfer APR: 0.99% introductory APR for 12 months, after which a 8.24% to 18.00% (variable) APR applies.
Balance transfer fee: $0
| Pros | Cons |
|---|---|
Intro APR on balance transfers $0 balance transfer fee Low regular APR $0 annual fee $0 foreign transaction fee | No rewards Intro period is fairly short No intro period for purchases Few other benefits outside the intro APR Military connection required |
The Navy Federal Platinum Credit Card is an excellent tool for consumers who want to avoid a balance transfer fee and can work with a shorter intro APR period.
Navy Federal Credit Union membership is open to active and retired U.S. military members, veterans, family and household members, Department of Defense personnel and more.
Purchase APR: Intro 0% for 12 billing cycles on purchases, after which a 17.99% - 26.99% (variable) APR applies.
Balance transfer APR: 0% for 12 billing cycles on balance transfers, after which a 17.99% - 26.99% (variable) APR applies.
Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
| Pros | Cons |
|---|---|
Earn points at a generous rate on dining, takeout and delivery Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None Annual streaming credit | Intro period is fairly short High regular APR |
If you can work with the relatively short intro APR periods, the U.S. Bank Altitude® Go Visa Signature® Card offers excellent ongoing value for foodies. Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
There’s a solid sign-up bonus as well: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Purchase APR: Intro 0% for 12 billing cycles on purchases, after which a 17.99% - 26.99% (variable) APR applies.
Balance transfer APR: 0% for 12 billing cycles on balance transfers, after which a 17.99% - 26.99% (variable) APR applies.
Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
| Pros | Cons |
|---|---|
Earn points at a generous rate on dining, takeout and delivery Intro APR on balance transfers and purchases $0 annual fee Foreign transaction fee: None Annual streaming credit | Intro period is fairly short High regular APR |
If you can work with the relatively short intro APR periods, the U.S. Bank Altitude® Go Visa Signature® Card offers excellent ongoing value for foodies. Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
There’s a solid sign-up bonus as well: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
| Credit Card | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer Rate | Regular Balance Transfer Rate | Balance Transfer Fee | Recommended Credit | Card Review |
|---|---|---|---|---|---|---|---|---|---|---|
|
Wells Fargo Reflect® Card
|
N/A | None | $0 | 0% intro APR up to 21 months from account opening | 15.99% - 27.99% variable APR | 0% intro APR up to 21 months from account opening on qualifying balance transfers | 15.99% - 27.99% variable APR | 3% for 120 days from account opening, then up to 5%; min: $5 | Excellent/Good | Wells Fargo Reflect® Card Review |
BankAmericard® credit card
|
N/A | Non-rewards card | $0 | 0% Intro APR for 21 billing cycles for purchases | 14.24% - 24.24% Variable APR | 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days | 14.24% - 24.24% Variable APR | Either $10 or 3% of the amount of each transaction, whichever is greater. | Excellent/Good | BankAmericard® credit card Review |
Citi Simplicity® Card
|
N/A | N/A | $0 | 0% for 12 months on Purchases | 17.74% - 27.74% (Variable) | 0% for 21 months on Balance Transfers | 17.74% - 27.74% (Variable) | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. | Excellent/Good | Citi Simplicity® Card Review |
Citi® Diamond Preferred® Card
|
None | N/A | $0 | 0% for 12 months on Purchases | 16.74% - 26.74% (Variable) | 0% for 21 months on Balance Transfers | 16.74% - 26.74% (Variable) | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. | Excellent/Good | Citi® Diamond Preferred® Card Review |
|
U.S. Bank Visa® Platinum Card
|
No bonus | None | $0 | 0% intro APR for 18 billing cycles on Purchases | 17.49% - 27.49% (Variable) | 0% intro APR for 18 billing cycles on Balance Transfers | 17.49% - 27.49% (Variable) | Either 3% of the amount of each transfer or $5 minimum, whichever is greater | Excellent/Good | Review Coming Soon |
Chase Slate Edge℠
|
N/A | N/A | $0 | 0% Intro APR on Purchases for 18 months. | 17.24% - 25.99% Variable | 0% Intro APR on Balance Transfers for 18 months. | 17.24% - 25.99% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After, either $5 or 5% of the amount of each transfer, whichever is greater. | Excellent/Good | Chase Slate Edge℠ Review |
Bank of America® Unlimited Cash Rewards credit card
|
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 1.5% cash back on all purchases | $0 | 0% Intro APR for 18 billing cycles for purchases | 16.24% - 26.24% Variable APR | Intro APR for 18 billing cycles for any balance transfers made in the first 60 days | 16.24% - 26.24% Variable APR on balance transfers | Either $10 or 3% of the amount of each transaction, whichever is greater. | Excellent/Good | Bank of America® Unlimited Cash Rewards credit card Review |
|
Wells Fargo Active Cash® Card
|
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months | Earn unlimited 2% cash rewards on purchases | $0 | 0% intro APR for 15 months from account opening | 17.99%, 22.99%, or 27.99% variable APR | 0% intro APR for 15 months from account opening on qualifying balance transfers | 17.99%, 22.99%, or 27.99% variable APR | 3% intro for 120 days from account opening, then up to 5%; min: $5 | Excellent/Good | Wells Fargo Active Cash® Card Review |
Capital One Quicksilver Cash Rewards Credit Card
|
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | $0 | 0% intro on purchases for 15 months | 16.49% - 26.49% (Variable) | 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) | 16.49% - 26.49% (Variable) | 3% | Excellent/Good | Capital One Quicksilver Cash Rewards Credit Card Review |
Chase Freedom Flex℠
|
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | $0 | 0% Intro APR on Purchases for 15 months | 17.24% - 25.99% Variable | 0% Intro APR on Balance Transfers for 15 months | 17.24% - 25.99% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater. | Excellent/Good | Chase Freedom Flex℠ Review |
Chase Freedom Unlimited®
|
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. | Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases | $0 | 0% Intro APR on Purchases for 15 months | 17.24% - 25.99% Variable | 0% Intro APR on Balance Transfers for 15 months | 17.24% - 25.99% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater. | Excellent/Good | Chase Freedom Unlimited® Review |
|
Blue Cash Everyday® Card from American Express
|
$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply. | $0 | 0% on purchases for 15 months | 16.99%-27.99% Variable | 0% on balance transfers for 15 months | 16.99%-27.99% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater. | Excellent/Good | Blue Cash Everyday® Card from American Express Review |
Capital One SavorOne Cash Rewards Credit Card
|
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening | 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats | $0 | 0% intro on purchases for 15 months | 16.49% - 26.49% (Variable) | 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) | 16.49% - 26.49% (Variable) | 3% | Excellent/Good | Capital One SavorOne Cash Rewards Credit Card Review |
Discover it® Cash Back
|
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. | 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically | $0 | 0% Intro APR for 15 months | 14.24% - 25.24% Variable APR | 0% Intro APR for 15 months | 14.24% - 25.24% Variable APR | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* | Excellent/Good | Discover it® Cash Back Review |
Discover it® chrome
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Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. | 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically | $0 | 0% Intro APR for 15 months | 14.24% - 25.24% Variable APR | 0% Intro APR for 15 months | 14.24% - 25.24% Variable APR | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* | Excellent/Good | Discover it® chrome Review |
Discover it® Miles
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Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. | Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. | $0 | 0% Intro APR for 15 months on purchases | 14.24% - 25.24% Variable APR | 0% Intro APR for 15 months on balance transfers | 14.24% - 25.24% Variable APR | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* | Excellent/Good | Discover it® Miles Review |
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The Amex EveryDay® Credit Card from American Express
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10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months | 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases | $0 | 0% introductory APR for the first 15 months from the date of account opening. | 15.24% to 26.24% variable | 0%, introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. | 15.24% to 26.24% variable | Either $5 or 3% of the amount of each transfer, whichever is greater. | Excellent | The Amex EveryDay® Credit Card from American Express Review |
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American Express Cash Magnet® Card
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$200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership. | Unlimited 1.5% Cash Back on your purchases | $0 | 0% introductory APR for the first 15 months from the date of account opening. | 16.24% to 27.24% variable | 0% introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. | 16.24% to 27.24% variable | N/A | Excellent/Good | American Express Cash Magnet® Card Review |
Citi Custom Cash℠ Card
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. | $0 | 0% intro APR for 15 months on purchases | 16.99% - 26.99% (Variable) | 0% intro APR for 15 months on balance transfers | 16.99% - 26.99% (Variable) | 5% of each balance transfer; $5 minimum. | Excellent/Good | Citi Custom Cash℠ Card Review |
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Navy Federal Platinum Credit Card
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No bonus | No rewards | $0 | N/A | 8.24% to 18.00% (variable) | 0.99% introductory APR for 12 months | 8.24% to 18.00% (variable) | $0 | Excellent/Good/Fair | Navy Federal Platinum Credit Card Review |
A card offering a 0% intro APR on new purchases can be helpful when you need time to pay off a big-ticket item, as it offers a period of time where no interest charges are added to your balance. Whether it’s remodeling a bathroom or fixing your car’s transmission, using a long 0% intro APR credit card is an easy way to stretch out your payments over time without paying interest.
Once the intro period expires, any balance remaining will be subject to the ongoing APR.
A balance transfer card allows you a break from interest charges while you pay off debt transferred from another credit card. When you do a balance transfer to a 0% intro APR card, that gives you a window of time when the entire payment goes toward the principal of your debt, rather than the principal plus interest. You may have to pay a balance transfer fee on the amount transferred (there are cards with no balance transfer fees, but they are rare), but that fee may be worth it if you save more in interest than you pay to make the transfer.
If you’re looking for a way to consolidate debt for a longer period of time than these cards offer, consolidating debt with a personal loan might be a better option for you than opening a balance transfer credit card.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
When using a credit card, you generally incur interest charges on any balance that isn’t paid off by the payment due date. But if you have a card with an intro APR period, you get a certain number of months at a reduced interest rate, or with no interest at all. A card may offer an intro APR period on purchases, balance transfers or both. Once the intro period ends, you’ll incur interest at the regular APR.
If you need to finance a big purchase, a credit card with an intro APR period on purchases can allow you to pay off the purchase over time without being charged interest. And if you need to move high-interest debt on one card to a balance transfer card with an intro APR period, that can give you some relief from interest charges and let you work on paying down just the principal of your debt instead of the principal plus interest.
Yes, intro APR and deferred interest are two different types of promotional periods. With deferred interest, if you don’t pay off the balance in full by a certain date, you’ll owe back interest from the date of purchase. Deferred interest deals are often promoted on store cards.
With an intro APR offer, you’ll only be charged interest on any remaining unpaid balance after the intro APR period ends.
Yes, it is possible to find a card that doesn’t charge a balance transfer fee. However, those tend to come with shorter promotional periods. For a balance transfer card with a long promotional period, you will most likely end up having to pay a fee ranging from 3% to 5% of the amount transferred, which is then added to your balance.
This will depend on your issuer. Some issuers allow cardholders to transfer up to their new balance transfer card credit limit, minus the amount of the balance transfer fee. Other issuers impose caps on how much you can transfer. The best way to find out is to call the issuer before you apply to see what the balance transfer limits are.
Typically, balance transfer cards require good credit (a FICO Score of at least 670) or better to qualify for. If you have poor or fair credit, you may not qualify for a balance transfer card.
Yes, your credit score will likely impact your card’s regular APR (the APR that kicks in once the intro APR ends). In short, the better your credit score, the lower your APR is likely to be.
The most important criterion in compiling this list of 0% intro APR credit cards was that each card should offer a 0% intro APR period. Some cards offer intro periods on both purchases and balance transfers, while others only offer an intro period for one or the other.
In addition, whether or not the card charges a balance transfer fee — and if so, how much — was also considered. Whether or not the card has a sign-up bonus or welcome offer also weighed in the evaluation process.
Other helpful features were also considered, such as ongoing rewards programs and benefits such as cellphone protection.
Finally, none of the credit cards on this list charge an annual fee.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
