Credit Cards with 0% APR

Advertiser Disclosure

A credit card with 0% intro APR is ideal if you plan a large purchase and want to pay for it in installments. Enter how many months you need to pay for your purchase in full and we’ll calculate how much interest you’ll have to pay with each card if any. Compare the best offers available to you and find the most cost-effective card for your purchase.

Estimate effective APR For
Good (680-719)
Excellent (720+)
Good (680-719)
Fair (620-679)
Poor/No Credit (up to 619)
credit keeping card
months
40 cards found
Discover it® Chrome Gas & Restaurants photo
Discover it® Chrome Gas & Restaurants photo
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Discover it® Chrome Gas & Restaurants
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
14mo
$0
13.99-24.99%
Variable
10.41%
up to
  • Card Details
  • Earn 2% Cash Back at gas and restaurants on up to $1,000 in combined purchases each quarter.
  • Plus, 1% cash back on all other purchases. Terms Apply.
  • No annual fee.
  • No penalty APR.
  • Only Discover automatically matches a dollar-for-dollar of all the cash back you've earned at the end of your first year. Terms Apply.
  • No cash back expiration. Redeem your rewards in any amount, at any time.
  • Free monthly access to FICO® Score.
  • Freeze it® on/off switch option for your account protection.
  • Fraud monitoring and protection.
  • Pros
  • High Cash Back rate
  • No Annual Fee
  • No Penalty APR
  • 0% purchase intro APR
  • FICO® Credit Score for free
  • Cons
  • Good to excellent credit score required
  • No signup bonus
HSBC Gold Mastercard® credit card photo
HSBC Gold Mastercard® credit card photo
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HSBC Gold Mastercard® credit card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
18mo
$0
12.99,16.99,20.99%
5.25%
up to
  • Card Details
  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening. After that, a competitive variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No annual fee.
  • No foreign transaction fees.
  • No penalty APR.
  • Late Fee Waiver: in the event your payment is late, you will receive one Late Fee Waiver per year.
  • MasterAssist® provides pre-trip planning assistance, help with lost luggage and more.
  • Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
  • $1 Million Travel Accident Insurance.
  • Pros
  • 0% Intro APR on purchases and balance transfers for the first 18 months
  • No annual fee
  • No foreign transaction fee
  • No penalty APR
  • Cons
  • No rewards available
Wells Fargo Platinum Visa® Credit Card photo
Wells Fargo Platinum Visa® Credit Card photo
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Wells Fargo Platinum Visa® Credit Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
18mo
$0
13.49-26.99%
Variable
6.75%
up to
  • Card Details
  • 0% Intro APR for 18 months on purchases and balance transfers.
  • No annual fee.
  • Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts, cell phone protection.
  • Free access to your FICO® Credit Score with Wells Fargo Mobile® Banking.
  • Pros
  • No annual fee
  • 0% Intro APR for 18 months on purchases and balance transfers
  • Cons
  • No rewards
SunTrust Cash Rewards Credit Card photo
SunTrust Cash Rewards Credit Card photo
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SunTrust Cash Rewards Credit Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
13.24-23.24%
Variable
8.72%
up to
  • Card Details
  • 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months.
  • 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back.
  • 1% Unlimited Cash Back on all other qualifying purchases.
  • 0% intro APR on purchases and balance transfers for 15 months after account opening.
  • No annual fee.
  • No foreign transaction fees.
  • Pros
  • 5% cash back
  • No annual fee
  • No foreign transaction fee
  • Cons
  • No signup bonus
BankAmericard® Credit Card photo
BankAmericard® Credit Card photo
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BankAmericard® Credit Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
14.99-24.99%
Variable
9.37%
up to
  • Card Details
  • No Annual Fee.
  • Intro 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account.
  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
  • No Penalty APR.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • No Annual Fee
  • Intro 0% APR for your first 15 billing cycles
  • No Penalty APR
  • Security & Benefits
  • Cons
  • No rewards available
Citi ThankYou® Preferred Card photo
Citi ThankYou® Preferred Card photo
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Citi ThankYou® Preferred Card
This card earns ThankYou Points (not transferable)
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
15.49-25.49%
Variable
9.56%
up to
  • Card Details
  • 0% introductory APR for 15 months on balance transfers and purchases.
  • Earn 2 ThankYou® Points per $1 spent on dining out and entertainment, and 1 ThankYou® Point per $1 spent on all other purchases.
  • 2,500 points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed from the ThankYou® Rewards collection.
  • Unlimited ThankYou® Points with no expiration.
  • No Annual Fee.
  • Travel & Purchase protection.
  • Pros
  • 0% Intro APR for 12 months on balance transfers and purchases
  • No Annual Fee
  • Cons
  • Needs excellent credit

Our Take

Citi ThankYou® Preferred Card has no annual fee and is therefore a simpler card than its Citi siblings.

Blue Cash Everyday® Card from American Express photo
Blue Cash Everyday® Card from American Express photo
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Blue Cash Everyday® Card from American Express
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
14.74-25.74%
Variable
9.65%
up to
  • Card Details
  • Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
  • No annual fee.
  • Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
  • Earn 1% Cash Back on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
  • Travel and shopping benefits.
  • Pros
  • No annual fee
  • Generous signup bonus
  • Competitive cash back on groceries
  • Good cash back rate on gas
  • Cons
  • 0% APR for purchases and balance transfer for 15 month, then a regular APR is applied
Amex EveryDay® Credit Card photo
Amex EveryDay® Credit Card photo
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Amex EveryDay® Credit Card
This card earns Memership Rewards Points (American Express program) See transfer options
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
14.74-25.74%
Variable
9.65%
up to
  • Card Details
  • Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
  • No annual fee. 0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 14.74% - 25.74%, based on your creditworthiness and other factors.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
  • Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.
  • Pros
  • Generous signup bonus
  • No annual fee
  • High rate for rewards
  • 0% on Purchases and Balance Transfers for 15 months
  • Cons
  • Good to excellent credit score required
Cash Magnet™ Card photo
Cash Magnet™ Card photo
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Cash Magnet™ Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
14.74-25.74%
Variable
9.65%
up to
  • Card Details
  • Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the $250 back as a statement credit.
  • No annual fee.
  • Unlimited 1.5% Cash Back on your purchases.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
  • Car rental loss and damage insurance.
  • Travel and shopping benefits.
  • Pros
  • Unlimited 1.5% Cash Back
  • Generous signup bonus
  • No annual fee
  • 0% purchase and balance transfer intro APR
  • Cons
  • Good to excellent credit score required
  • Has foreign transaction fees.
Chase Freedom Unlimited® credit card photo
Chase Freedom Unlimited® credit card photo
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Chase Freedom Unlimited® credit card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
16.99-25.74%
Variable
9.65%
up to
  • Card Details
  • Earn $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
  • Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
  • Enjoy 0% promotional APR for 15 months from date of purchase on purchases of $299 or more – available anytime and it's automatic. After that, 16.99% - 25.74% variable APR.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
  • Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
  • Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
  • Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
  • Pros
  • 1.5% unlimited cash back on all purchases
  • No annual fee
  • $150 bonus with low qualification
  • 0% intro APR for 15 months on purchases
  • Cons
  • Good to excellent credit score required
Chase Slate® photo
Chase Slate® photo
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Chase Slate®
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
16.99-25.74%
Variable
9.65%
up to
  • Card Details
  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
  • 0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 16.99% - 25.74% variable APR.
  • You can check your monthly FICO® Score, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate®.
  • You won't have to pay an annual fee for all the great features that come with your Slate card.
  • Paying late won't raise your interest rate (APR). See terms.
  • Pros
  • 0% APR on purchases for 15 month
  • 0% balance transfer APR for the first 15 billing cycles
  • No balance transfer fee
  • No annual fee
  • Cons
  • No rewards
  • Good to excellent credit score required

Our Take

The Chase Slate® may provide you with a 15-month period free of any interest. Transfer your high-interest balances to this card and make the most of this marvelous opportunity to pay down your debt.

Chase Freedom® credit card photo
Chase Freedom® credit card photo
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Chase Freedom® credit card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
15mo
$0
16.99-25.74%
Variable
9.65%
up to
  • Card Details
  • Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on all other purchases.
  • No Annual Fee.
  • 0% intro APR for the first 15 months from account opening on purchases and balance transfers. After that, 16.99% - 25.74% variable APR.
  • Cash Back rewards do not expire as long as your account is open.
  • Redeem Cash Back rewards for Amazon.com orders, gift cards, and your travel booking.
  • Service & protection.
  • Pros
  • $150 Bonus
  • Low intro APR
  • Cash Back rewards
  • No Annual Fee
  • Cons
  • Has foreign transaction fees

Our Take

Chase Freedom® is a must-have card for anyone who is interested in generous cash back rewards. This card is quite cheap to maintain and has wide and flexible options for redemption. Customers interested in wider cash back options or in maximization of travel rewards might want to combine this card with some others. Reward maximization with Chase Freedom® is a bit sophisticated, but it is worth your efforts.

First Tennessee Platinum Premier® Visa® photo
First Tennessee Platinum Premier® Visa® photo
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First Tennessee Platinum Premier® Visa®
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.75-20.75%
Variable
10.38%
up to
  • Card Details
  • No annual fee.
  • Credit lines starting at $5,000.
  • Earn up to 10% cash back on your purchases.
  • Access to First Tennessee Cash Rewards®.
  • 0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
  • Can be linked to checking for overdraft protection.
  • Compatible with Apple Pay® for convenient purchases.
  • Pros
  • No Annual Fee
  • Cash back rewards
  • 0% Intro APR for the first 12 months
  • Cons
  • No signup bonus

Our Take

The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.

Discover it® Cash Back photo
Discover it® Cash Back photo
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Discover it® Cash Back
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
14mo
$0
13.99-24.99%
Variable
10.41%
up to
  • Card Details
  • No annual fee.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
  • 1% cash back or more on all other purchases.
  • Only Discover automatically matches all the cash back you've earned at the end of your first year.
  • 0% Intro APR for 14 months on purchases and balance transfers.
  • Redeem your rewards for cash in any amount, any time. Your cash back never expires.
  • Paying late won't raise your APR. No late fee for your first late payment.
  • Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.
  • Pros
  • 5% cash back
  • No annual fee
  • 0% Intro APR for 14 months
  • Cons
  • No sign-up bonus
  • 3% fee for each balance transfer

Our Take

The card has no annual fee, a little tolerance to late payments and an attractive 14-month long balance transfer offer with zero APR. An equal promotional period of zero APR on purchases makes it possible to you to earn rewards while paying down your debt without pitfalls (just mind the gap when APRs differ).

NHL® Discover it® photo
NHL® Discover it® photo
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NHL® Discover it®
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
14mo
$0
13.99-24.99%
Variable
10.41%
up to
  • Card Details
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, unlimited 1% cash back on all other purchases. Terms Apply.
  • No annual fee.
  • No penalty APR.
  • Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TV™subscription when you use your Discover card.
  • Automatic a dollar-for-dollar Cashback Match™ you've earned at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Free monthly access to FICO® Score.
  • Freeze it® on/off switch option for your account protection.
  • Pros
  • 5% cash back
  • No annual fee
  • No penalty APR
  • No overlimit fee
  • No foreign transaction fee
  • 0% APR for 14 months
  • Cons
  • Good to excellent credit score required
  • No signup bonus
Discover it® Miles Travel Card photo
Discover it® Miles Travel Card photo
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Discover it® Miles Travel Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
14mo
$0
13.99-24.99%
Variable
10.41%
up to
  • Card Details
  • Earn unlimited 1.5X Miles for every $1 spent on all purchases – from airfare and hotels to groceries and online shopping. Terms Apply.
  • No Annual Fee.
  • Get Cashback Match for all the Miles you've earned at the end of your first year. For example, 30,000 Miles turns into 60,000 Miles.
  • No Penalty APR.
  • Use your Discover it® Miles card for any travel purchase, including all airlines, hotels, rental cars and more.
  • Once you book your travel with Discover it® Miles card, redeem your Miles as a statement credit towards the purchase. Your rewards never expire.
  • Freeze it® on/off switch option for your account protection.
  • 100% U.S. based customer service.
  • Free monthly access to FICO® Score.
  • Fraud monitoring and protection.
  • Pros
  • Sign-up bonus
  • No Annual Fee
  • No Penalty APR
  • No Foreign Transaction Fees
  • Cons
  • Good to excellent credit score required
Special Connections® MasterCard® with Rewards photo
Special Connections® MasterCard® with Rewards photo
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Special Connections® MasterCard® with Rewards
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
12.24-22.24%
Variable
11.12%
up to
  • Card Details
  • 3% cash back on wireless providers and ride-sharing services.
  • 2% cash back on gas and restaurants.
  • 1% as back on all other purchases.
  • Redeem for Cash Back, gift cards, travel, merchandise and more. A Cash Back redemption is applied as a statement credit.
  • Low Introductory APR.
  • No Annual Fee.
  • Zero Liability Coverage.
  • Pros
  • No annual fee
  • 3% cash back
  • Low Introductory APR
  • Cons
  • No signup bonus
KC Royals™ Mastercard® photo
KC Royals™ Mastercard® photo
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KC Royals™ Mastercard®
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
16.24-22.24%
Variable
11.12%
up to
  • Card Details
  • 3% cash back on wireless providers and ride-sharing services.
  • 2% cash back on gas and restaurants.
  • 1% as back on all other purchases.
  • 0% Intro APR for 12 monthly billing cycles after account opening on Purchases and Balance Transfers, then 16.24% - 22.24% Variable APR.
  • Unlimited Cash Back with no point caps & no opt-in.
  • Redeem for Cash Back, gift cards, travel, Royals merchandise and more! A Cash Back redemption is applied as a statement credit.
  • Discounted game tickets.
  • Game day experiences and exclusive events.
  • No Annual Fee.
  • Zero Liability Coverage.
  • Pros
  • 3% cash back
  • 0% purchase intro APR
  • 0% balance transfere intro APR
  • No annual fee
  • Cons
  • No signup bonus
Capital One® VentureOne® Rewards photo
Capital One® VentureOne® Rewards photo
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Capital One® VentureOne® Rewards
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
13.74,19.74,23.74%
Variable
11.87%
up to
  • Card Details
  • Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
  • Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • No Annual Fee.
  • 0% intro APR for 12 months; 13.74%, 19.74% or 23.74% variable APR after that.
  • Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • Use the card with Apple PayTM to make purchases on the go.
  • No foreign transaction fees.
  • Visa Signature® Benefits.
  • Pros
  • Sign-up bonus
  • Unlimited Rewards
  • No Annual Fee
  • No foreign transaction fees
  • Cons
  • Good to excellent credit score required
PNC points® Visa® Credit Card photo
PNC points® Visa® Credit Card photo
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PNC points® Visa® Credit Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
13.99-23.99%
Variable
12%
up to
  • Card Details
  • Earn 4 points for every $1 in purchases.
  • Earn 25% bonus points on base points you earn in a billing cycle when you maintain a Virtual Wallet.
  • Earn 50% bonus points on base points you earn in a billing cycle when you maintain a Performance Checking account OR Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements.
  • Earn 75% bonus points on base points you earn in a billing cycle when you maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements.
  • No annual fee.
  • You’ll automatically be enrolled in the PNC points® Program.
  • There’s no limit to the number of points you can earn.
  • Choose from thousands of rewards – including cash, gift cards, electronics, name-brand merchandise and travel.
  • Pros
  • 4X points per $1 spent on all purchases
  • No annual fee
  • Sign-up bonus
  • Cons
  • Has foreign transaction fees
Amex EveryDay® Preferred Credit Card photo
Amex EveryDay® Preferred Credit Card photo
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Amex EveryDay® Preferred Credit Card
This card earns Memership Rewards Points (American Express program) See transfer options
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$95
14.74-24.74%
Variable
12.37%
up to
  • Card Details
  • Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms apply.
  • 3X points at US supermarkets, on up to $6,000 per calendar year in purchases.
  • 2X points at US gas stations and 1 point on all other purchases. Terms and limitations apply.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • Payment Flexibility: your Card gives you the option to carry a balance with interest or pay in full each month.
  • Use Membership Rewards® points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 24.74%.
  • Pros
  • High rewards rate
  • Generous signup bonus
  • 0% APR on purchases and balance transfers for 12 months
  • Cons
  • Has annual fee
Citi® Diamond Preferred® Credit Card photo
Citi® Diamond Preferred® Credit Card photo
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Citi® Diamond Preferred® Credit Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
14.99-24.99%
Variable
12.5%
up to
  • Card Details
  • 0% Intro APR on balance transfers for 21 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • No Annual Fee.
  • Citi customers enjoy special access to purchase tickets to thousands of events annually.
  • Free access to FICO® Scores.
  • Citi® Identity Theft Solutions.
  • Travel & Purchase protection.
  • Citi® Cards with Apple Pay®.
  • 24/7 Customer Service.
  • Pros
  • 0% Intro APR on balance transfers for 21 months
  • 0% Intro APR on purchases for 12 months
  • No Annual Fee
  • Cons
  • No rewards option

Our Take

The Citi Diamond Preferred® card has a highly competitive balance transfer offer. No annual fee along with no interest on balance transfers for 21 months makes the card one of the best solutions for anybody struggling with their credit card debt.

Bank of America® Travel Rewards credit card photo
Bank of America® Travel Rewards credit card photo
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Bank of America® Travel Rewards credit card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
16.99-24.99%
Variable
12.5%
up to
  • Card Details
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points. Terms Apply.
  • 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases. Terms Apply.
  • No Annual Fee.
  • No Foreign Transaction Fees.
  • Introductory 0% APR for your first 12 billing cycles for purchases. After that, a Variable APR that's currently 16.99% - 24.99% will apply.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • High rewards rate
  • Sign-up bonus
  • No Annual Fee
  • No Foreign Transaction Fees
  • Intro 0% APR for the first 12 billing cycles
  • Cons
  • Has interest charges

Our Take

The Bank of America® Travel Rewards credit card has a number of things going for it. It’s free, there is a sign-up bonus, and it has the potential of earning rewards at a rate above market average.

Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.24-25.24%
Variable
12.62%
up to
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
  • Help fight breast cancer. Terms Apply.
  • Enjoy no annual fee while earning more cash back for the things you buy most.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
  • You can get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Free monthly access to FICO® Score.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Pros
  • 1.5% cash back
  • Help fight breast cancer
  • Sign-up bonus
  • No Annual Fee
  • 0% Intro APR for your first 12 billing cycles
  • Security & Benefits
MLB™ Cash Rewards Mastercard® from Bank of America photo
MLB™ Cash Rewards Mastercard® from Bank of America photo
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MLB™ Cash Rewards Mastercard® from Bank of America
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.24-25.24%
Variable
12.62%
up to
  • Card Details
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • Earn rewards you like and choose the card with your favorite team. All MLB® teams are available.
  • No Annual Fee.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • Cash back rewards
  • Sign-up bonus
  • No annual Fee
  • 0% Intro APR for the first 12 billing cycles
World Wildlife Fund Credit Card from Bank of America photo
World Wildlife Fund Credit Card from Bank of America photo
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World Wildlife Fund Credit Card from Bank of America
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.24-25.24%
Variable
12.62%
up to
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • For each new World Wildlife Fund credit card account World Wildlife Fund receives a minimum of $3, 0.08% of all net retail purchases made with this card, and $3 for each annual card renewal.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • No Annual Fee.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • Cash Back Rewards
  • Help support WWF
  • No Annual Fee
  • 0% Intro APR for your first 12 billing cycles
  • Security & Benefits
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
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U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.24-25.24%
Variable
12.62%
up to
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
  • No Annual Fee.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • No Annual Fee
  • Sign-up bonus
  • 0% Intro APR for the first 12 billing cycles
  • Cash Back Rewards
  • Free monthly access to FICO® Score
  • Cons
  • Has interest charges
Blue Cash Preferred® Card from American Express photo
Blue Cash Preferred® Card from American Express photo
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Blue Cash Preferred® Card from American Express
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$95
14.74-25.74%
Variable
12.87%
up to
  • Card Details
  • Earn $250 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 25.74%.
  • Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 3% Cash Back at US gas stations and select US department stores.
  • Earn 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn rewards faster by adding Additional Cards for your family and friends, their purchases earn rewards just like yours. You can also earn cash back for monthly spending, like your phone bill.
  • Travel and shopping benefits.
  • Pros
  • Generous signup bonus
  • Great cash back on gas
  • 0% introductory APR for the first 12 months
  • Cons
  • Annual fee of $95

Our Take

Blue Cash Preferred® Card is the best cashback card in its segment. In the long run, you save a considerable amount (up to $360 provided you spend at least $6,000 per year on groceries).  Apply for the card and win rewards from shopping.

Citi Simplicity® photo
Citi Simplicity® photo
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Citi Simplicity®
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.99-25.99%
Variable
13%
up to
  • Card Details
  • 0% Intro APR on purchases and balance transfers for 21 months.
  • After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • No annual fee.
  • Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
  • Extended Warranty and $0 Liability on Unauthorized Charges.
  • Worldwide Car Rental Insurance.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Pros
  • No Annual Fee
  • No Penalty APR
  • 0% APR on balance transfer for 21 months
  • 0% APR on purchases for 12 months
  • Cons
  • No rewards
  • Good to excellent credit score required

Our Take

The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 21-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.

Starwood Preferred Guest® Luxury Card photo
Starwood Preferred Guest® Luxury Card photo
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Starwood Preferred Guest® Luxury Card
This card earns Starpoints (Starwood Preferred Guest program) See transfer options
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$450
17.49-26.49%
13.25%
up to
  • Card Details
  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6X points on eligible purchases at participating SPG® and Marriott Rewards® hotels.
  • Earn 3X points at U.S. restaurants and on flights booked directly with airlines.
  • Earn 2X points on all other eligible purchases.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating SPG® or Marriott Rewards® hotels.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 points) at a participating hotel. Terms apply.
  • Enjoy complimentary Gold Elite status with your Card. Earn Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.
  • No foreign transaction fees.
  • Redeem points for free nights at over 6,500 participating SPG® and Marriott Rewards® hotels across 29 brands. Plus, redeem points for flights or car rentals with Air+Car, or transfer your points for travel program rewards with over 40 airline partners.
  • Pros
  • Generous signup bonus
  • 6X points per $1 spent on hotels
  • 0% purchase intro APR
  • No foreign transaction fee
  • Cons
  • High annual fee
Disney® Premier Visa® Card photo
Disney® Premier Visa® Card photo
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Disney® Premier Visa® Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$49
17.99%
Variable
13.49%
  • Card Details
  • $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.
  • Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
  • Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
  • Enjoy Cardmember-exclusive photo opportunities in private locations with Disney or Star Wars™ Characters. You'll receive downloads of your photos, too!
  • Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
  • Redeem Rewards Dollars toward most anything Disney and Star Wars™ at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more.
  • Service & protection.
  • 0% Promo APR for the first 6 months following the purchase date on select Disney vacation packages or purchase of a real estate interest.
  • Pros
  • $200 Disney Gift Card
  • 10% savings on shopping
  • Disney Perks
  • High rate rewards
  • Service & protection
  • Cons
  • Has annual fee
Disney® Visa® Card photo
Disney® Visa® Card photo
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Disney® Visa® Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
17.99%
Variable
13.49%
  • Card Details
  • $50 Disney Gift Card after first purchase with the credit card.
  • Earn 1% on all card purchases with no limits to the amount you can earn.
  • No Annual Fee.
  • Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
  • Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
  • Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 16.74%.
  • Redeem Rewards Dollars toward most anything Disney, including Theme Park tickets, Resort stays, shopping, dining, movies and more.
  • Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
  • Service & protection.
  • Pros
  • $50 Disney Gift Card
  • 1% in Disney Rewards Dollars
  • 10% savings on shopping
  • No Annual Fee
  • Disney Perks
  • Cons
  • Has foreign transaction fee
Wells Fargo Cash Wise Visa® Card photo
Wells Fargo Cash Wise Visa® Card photo
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Wells Fargo Cash Wise Visa® Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
12mo
$0
15.99-26.99%
Variable
13.5%
up to
  • Card Details
  • $200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months. Terms Apply.
  • Unlimited 1.5% cash rewards on net purchases.
  • No Annual Fee.
  • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) during the first 12 months from account opening.
  • 0% intro APR on purchases and balance transfers for 12 months.
  • No category restrictions or quarterly sign ups to limit cash rewards earnings.
  • Cash rewards that don’t expire while the account is open.
  • Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions.
  • Pros
  • Cash rewards
  • No annual fee
  • Sign-up bonus
  • Low introductory APR
  • Cons
  • Good to excellent credit score required
  • Has foreign transaction fees
BMO Harris Bank Cash Back Mastercard® photo
BMO Harris Bank Cash Back Mastercard® photo
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BMO Harris Bank Cash Back Mastercard®
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
15.99,17.99,20.99,23.99%
Variable
17.99%
up to
  • Card Details
  • Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
  • $200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
  • 0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
  • 0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
  • No annual fee.
  • Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.
  • Pros
  • 2% cash back
  • No annual fee
  • $200 cash back bonus
  • 0% purchase and balance transfer intro APR
  • Cons
  • Good to excellent credit score required
Discover it® Balance Transfer photo
Discover it® Balance Transfer photo
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Discover it® Balance Transfer
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
13.99-24.99%
18.74%
up to
  • Card Details
  • No annual fee.
  • 0% intro APR for 18 months on balance transfers.
  • Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more. Terms apply.
  • Plus unlimited 1% cash back on all other purchases.
  • Only Discover automatically matches all the cash back you've earned at the end of your first year.
  • Your cash back never expires. Redeem in any amount, at any time.
  • Freeze It® on/off switch for your account.
  • 100% U.S.-based customer Service.
  • View your FICO® Credit Score for free.
  • Pros
  • No annual fee
  • No foreign transaction fee
  • Low balance transfer intro APR
  • 5% cash back
  • Cons
  • Has balance transfer fee
Polaris® Visa® from U.S. Bank photo
Polaris® Visa® from U.S. Bank photo
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Polaris® Visa® from U.S. Bank
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
15.99-24.99%
Variable
18.74%
up to
  • Card Details
  • For every $1 of net eligible purchases on the card, you'll earn: 2X points at Polaris dealerships, 2X points at gas stations, and 1 point everywhere else Visa is accepted.
  • Once you have earned 2,500 points, you can redeem them for $25 in Polaris Cash, which can be used at Polaris Dealerships.
  • 0% Intro APR on purchase and balance transfers for 6 billing cycles. After that, a variable APR currently 15.99% - 24.99%.
  • No Annual Fee.
  • Zero Fraud Liability.
  • Fraud Protection.
  • Roadside Dispatch.
  • Auto Rental Collision Damage Waiver.
  • Online Banking and Automatic Bill Pay.
  • Pros
  • No Annual Fee
  • High rate of rewards
  • 0% Intro APR on purchase and balance transfers for 6 billing cycles
  • Cons
  • Good to excellent credit score required
Cash Rewards American Express® Card photo
Cash Rewards American Express® Card photo
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Cash Rewards American Express® Card
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
15.99-24.99%
Variable
18.74%
up to
  • Card Details
  • 3% cash back on gas on the first $6,000 in annual fuel spend.
  • 2% cash back on supermarket net purchases.
  • 1% cash back on other everyday net purchases.
  • No limit on total cash back that you can earn, and you have five years to redeem cash back.
  • No annual fee.
  • No penalty APR.
  • Intro 0% APR for the first 6 billing cycles on purchases and balance transfers.
  • $25 cash back reward bonus after first purchase.
  • Zero Fraud Liability.
  • Pros
  • 3% cash back
  • No annual fee
  • No penalty APR
  • No limit on total cash back
  • Intro 0% APR for the first 6 billing cycles
  • Cons
  • No signup bonus
Diamond Resorts International® MasterCard® from Barclaycard photo
Diamond Resorts International® MasterCard® from Barclaycard photo
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Diamond Resorts International® MasterCard® from Barclaycard
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
16.99,21.99,26.99%
Variable
20.24%
up to
  • Card Details
  • 2,500 bonus Diamond Plus Points™ after your first purchase.
  • Earn 2X Diamond Plus Points on Diamond Resorts purchases.
  • Plus, 1X Diamond Plus Points™ on everyday purchases. Terms Apply.
  • No Annual Fee.
  • Earn 500 Diamond Plus Points™ for every $2,000 in spend (excluding down payments).
  • Enjoy a 0% promotional APR for 6 months on any Diamond Vacation Ownership interest down payment. After that, a variable APR of 16.99%, 21.99% or 26.99% depending on your creditworthiness.
  • Redeem points for statement credits toward Diamond Resorts International Purchases, plus airfare and car rental purchases of $50 or more made within the last 120 days.
  • Protection against unauthorized use of card.
  • Chip card technology.
  • Pros
  • No Annual Fee
  • Sign-up bonus
  • Low promo APR
  • No Penalty APR
  • Cons
  • Has foreign transaction fees
NFL Extra Points Credit Card from Barclaycard photo
NFL Extra Points Credit Card from Barclaycard photo
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NFL Extra Points Credit Card from Barclaycard
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
16.99,21.99,26.99%
Variable
20.24%
up to
  • Card Details
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back.
  • Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases.
  • No Annual Fee.
  • Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office. Terms Apply.rticipating NFL team ticket office.
  • 20% off purchases at NFLShop.com that’s $20 off every $100 you spend.
  • Redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl.
  • Redeem points for 1% cash back, starting at 2,500 points for $25 cash back.
  • Zero liability on unauthorized charges.
  • Complimentary online FICO Credit Score access.
  • Pros
  • No Annual Fee
  • Sign-up bonus
  • No Penalty APR
  • 0% promotional APR for 6 months on NFL ticket purchases
Wyndham Rewards® Visa® Card from Barclaycard photo
Wyndham Rewards® Visa® Card from Barclaycard photo
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Wyndham Rewards® Visa® Card from Barclaycard
0% Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
6mo
$0
17.24,21.99,26.99%
Variable
20.24%
up to
  • Card Details
  • Get 15,000 bonus points after your first purchase enough to redeem for up to 1 free night.
  • No Annual Fee.
  • Earn 3 points per $1 spent on eligible purchases for every participating hotel stay, Wyndham Vacation Rental North America properties, and on-property spend and maintenance fees at Wyndham timeshare properties.
  • Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®).
  • No Foreign transaction fees.
  • 0% APR on all Wyndham Timeshare Purchases for six billing cycles.
  • 0% Intro APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • Protection against unauthorized use of card.
  • Global assistance services 24/7.
  • Pros
  • Sign-up bonus
  • High rate of rewards
  • No Annual Fee
  • No Foreign transaction fees
  • No Penalty APR
  • Cons
  • Good to excellent credit score required
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