If you are looking to save money with a generous 0% intro APR period on purchases, balance transfers, or both then the following cards from our partners would all be great options.
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Best Overall
Purchase APR
19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent
580 – 850*
Cash Back
1% – 5%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Intro 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.
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Critics' Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Critical Analysis to learn more.
Purchase APR
19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent (580 – 850*)
Card Details From Issuer
- 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 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Apply Now
On Citi®'s Secure site
Purchase APR
0% intro APR for 21 months from account opening on purchases, then 18.24%, 24.74%, or 29.99% Variable APR
Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, or 29.99% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
View All Card Details
Critics' Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR
Balance Transfer Fee
5%, min: $5
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Apply Now
On Wells Fargo's Secure site
Purchase APR
0% intro APR for 15 months from account opening, then 20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
2%
Earn unlimited 2% cash rewards on purchases.
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
View All Card Details
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR
Intro Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards dont expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's Secure site
Purchase APR
0% Intro APR on Purchases for 15 months, then 20.49% – 29.24% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1.5% – 6.5%
Enjoy 5% cash back on travel purchased through Chase Travel, 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
Welcome 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 Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
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Critics' Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Apply Now
On Chase's Secure site
Purchase APR
0% intro APR for 12 months on purchases, then 19.24% – 29.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on balance transfers, then 19.24% – 29.99% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*
View All Card Details
Critics' Overview
This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee.
Purchase & Balance Transfer APR
0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 19.24% – 29.99% (Variable)
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% – 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
Apply Now
On Citi®'s Secure site
Purchase APR
0% intro APR for 12 months, then 19.24%-29.99% Variable
Balance Transfer APR
0% intro APR for 12 months, then 19.24%-29.99% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Welcome Bonus
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.
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Critics' Overview
If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$0 intro annual fee for the first year, then $95.
Card Details From Issuer
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Apply Now
On American Express' Secure site
Purchase APR
0% Intro APR on purchases for 6 months, then 17.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 17.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1% – 2%
Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.
View All Card Details
Updated May 1, 2024
Critics' Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity.
Purchase & Balance Transfer APR
0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.24% – 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
Apply Now
On Discover's Secure site
Purchase APR
0% Intro APR on purchases for 15 months, then 17.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 5%
Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.
View All Card Details
Updated May 1, 2024
Critics' Overview
This card is a cash back powerhouse with a unique opportunity to earn an unlimited cash back bonus at the end of year one. It offers a generous intro APR on purchases and balance transfers, impressive ongoing rewards and has no annual fee. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR on purchases and on balance transfers for 15 months, then 17.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
Apply Now
On Discover's Secure site
Purchase APR
0% intro APR for 12 months on Purchases, then 18.24% – 28.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 18.24% – 28.99% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*
View All Card Details
Critics' Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 18.24% – 28.99% (Variable)
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Apply Now
On Citi®'s Secure site
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.