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Best Balance Transfer and 0% APR Credit Cards of June 2019

Robin Saks FrankelJune 11, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Balance Transfer and 0% APR Credit Cards of June 2019

Our pick for

Long-term value

Discover it Credit Card

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

14.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

recommended credit score

Pros

In addition to its lengthy introductory balance transfer APR offer, this card pays 5% cash back in rotating categories that you activate, on up to $1,500 in purchases each quarter, and 1% on everything else. There's also a new-cardholder bonus that gets bigger as you make more purchases with the card. The issuer phrases it this way: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. The annual fee is $0.

Cons

The 0% period on purchases is considerably shorter than that for balance transfers. The card also comes with an introductory 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* balance transfer fee, then up to 5% on future transfers, and you can’t transfer balances from other Discover cards. When it comes to rewards, having to activate the categories each quarter and keep track of them requires some maintenance.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees

Our pick for

Longest 0% period for transfers and purchases

US Bank Visa Platinum Credit Card

on US Bank's website

Rates & Fees

on US Bank's website

Rates & Fees
Annual Fee

$0

Regular APR

14.74% - 25.74% Variable APR

Intro APR

0%* on purchases and balance transfers for 20 billing cycles*

recommended credit score

Pros

The card comes with a generous introductory 0% APR periods for both purchases and balance transfers and allows you to choose your own due date. It also offers cell phone protection if you use it to pay your cell phone bill. The annual fee is $0.

Cons

There's a balance transfer fee of 3% of the amount transferred or $5, whichever is greater. The card offers no rewards. Like most credit cards, it doesn't allow same-issuer transfers.
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.74% - 25.74%
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule
  • 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 your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees

Our picks for

Purchases and transfers

Wells Fargo Visa Platinum Card Credit Card

on Wells Fargo's website

on Wells Fargo's website

Annual Fee

$0

Regular APR

13.74% - 27.24% Variable APR

Intro APR

0% APR for 18 months on purchases and qualifying balance transfers

recommended credit score

Pros

Thanks to its $0 annual fee and cushy 18-month introductory 0% APR period for both purchases and balance transfers, you'll have ample breathing room when paying down balances. It also gives you access to a FICO score. The card offers cell phone protection if you use it to pay your cell phone bill.

Cons

This card has a balance transfer fee of 3% for 120 days, then 5% of the amount transferred or $5, whichever is greater, for the first 18 months. The card doesn't come with rewards and doesn't allow same-issuer transfers.
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 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 your Wells Fargo Platinum Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Bank of America BankAmericard® Credit Card Credit Card

on Bank of America's website, or call (800) 322-7707

on Bank of America's website, or call (800) 322-7707

Annual Fee

$0

Regular APR

15.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

recommended credit score

Pros

This straightforward debt-busting card gets right to the point with a long introductory 0% APR period on purchases and balance transfers. You also can access your FICO score for free. The annual fee is $0.

Cons

A balance transfer fee applies: Either $10 or 3% of the amount of each transaction, whichever is greater. The card offers no rewards, so there isn't much incentive to keep using it once the 0% period ends.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Our pick for

Purchases/transfers and late-fee waiver

HSBC Gold Mastercard

on HSBC's website

Rates & Fees

on HSBC's website

Rates & Fees
Annual Fee

$0

Regular APR

13.24%, 17.24% or 21.24% Variable

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

recommended credit score

Pros

This card gives you a long 0% intro APR period on transfers as well as purchases. If you're the occasionally absent-minded type, the issuer offers a break on late fees. The fee is waived on your first late payment and on any late payment that occurs more than 12 billing periods since your last waiver. Even so, it's best to pay on time.

Cons

The card charges a balance transfer fee of 4% or $10, whichever is higher. It doesn’t offer rewards and doesn't allow same-issuer transfers.
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees

Our pick for

Longest 0% period for transfers only

Citibank Simplicity Credit Card

on Citibank's application

on Citibank's application

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

recommended credit score

Pros

This card gets the nod for its long introductory 0% APR period for balance transfers, its $0 annual fee and free FICO score. It also doesn’t charge late fees, a benefit for folks who are sometimes forgetful.

Cons

The card charges a balance transfer fee of 5% of each balance transfer; $5 minimum. You also can’t transfer balances from other Citi accounts or affiliates, and you won't earn rewards. The 0% APR period for purchases is significantly shorter than that for transfers.
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Our pick for

$0 introductory transfer fee

Annual Fee

$0

Regular APR

15.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Pros

The triple-zero benefits allow you to pay down debt without a penny in fees or interest. And unlike many balance-transfer cards, this one offers a rewards program, which gives you an incentive to keep using it long after the 0% intro period ends. There's a bonus offer for new cardholders, too.

Cons

You can get a longer 0% introductory APR period with other balance-transfer cards. The ongoing rewards aren't anything too special.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • 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.
  • No annual fee.
  • Terms Apply.
  • View Rates and Fees

Summary of Best Balance Transfer and 0% APR Credit Cards of June 2019

Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
Discover it Credit Card

Discover it® Balance Transfer

on Discover's website, or call (800) 347-0264

Long-term value

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

14.24% - 25.24% Variable APR

$0

on Discover's website, or call (800) 347-0264

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

on US Bank's website

Longest 0% period for transfers and purchases

0%* on purchases and balance transfers for 20 billing cycles*

14.74% - 25.74% Variable APR

$0

on US Bank's website

Wells Fargo Visa Platinum Card Credit Card

Wells Fargo Platinum Visa card

on Wells Fargo's website

Purchases and transfers

0% APR for 18 months on purchases and qualifying balance transfers

13.74% - 27.24% Variable APR

$0

on Wells Fargo's website

Bank of America BankAmericard® Credit Card Credit Card

BankAmericard® credit card

on Bank of America's website, or call (800) 322-7707

Purchases and transfers

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

on Bank of America's website, or call (800) 322-7707

HSBC Gold Mastercard

HSBC Gold Mastercard® credit card

on HSBC's website

Purchases/transfers and late-fee waiver

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

13.24%, 17.24% or 21.24% Variable

$0

on HSBC's website

Citibank Simplicity Credit Card

Citi Simplicity® Card - No Late Fees Ever

on Citibank's application

Longest 0% period for transfers only

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

16.24% - 26.24% Variable APR

$0

on Citibank's application

American Express Amex EveryDay Credit Card

Amex EveryDay® Credit Card

$0 introductory transfer fee

0% on Purchases and Balance Transfers for 15 months

15.24% - 26.24% Variable APR

$0

Learn more
Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
Discover it Credit Card

Discover it® Balance Transfer

on Discover's website, or call (800) 347-0264

Long-term value

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

14.24% - 25.24% Variable APR

$0

on Discover's website, or call (800) 347-0264

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

on US Bank's website

Longest 0% period for transfers and purchases

0%* on purchases and balance transfers for 20 billing cycles*

14.74% - 25.74% Variable APR

$0

on US Bank's website

Wells Fargo Visa Platinum Card Credit Card

Wells Fargo Platinum Visa card

on Wells Fargo's website

Purchases and transfers

0% APR for 18 months on purchases and qualifying balance transfers

13.74% - 27.24% Variable APR

$0

on Wells Fargo's website

Bank of America BankAmericard® Credit Card Credit Card

BankAmericard® credit card

on Bank of America's website, or call (800) 322-7707

Purchases and transfers

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

on Bank of America's website, or call (800) 322-7707

HSBC Gold Mastercard

HSBC Gold Mastercard® credit card

on HSBC's website

Purchases/transfers and late-fee waiver

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

13.24%, 17.24% or 21.24% Variable

$0

on HSBC's website

Citibank Simplicity Credit Card

Citi Simplicity® Card - No Late Fees Ever

on Citibank's application

Longest 0% period for transfers only

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

16.24% - 26.24% Variable APR

$0

on Citibank's application

American Express Amex EveryDay Credit Card

Amex EveryDay® Credit Card

$0 introductory transfer fee

0% on Purchases and Balance Transfers for 15 months

15.24% - 26.24% Variable APR

$0

Learn more
Personalized_recc

Not sure which card saves you the most?

Take a quick quiz and we'll find out.

What is a balance transfer?

A balance transfer involves moving debt from a high-interest credit card to a new card with a lower interest rate, ideally one with an introductory 0% period. Essentially, you're using one card to pay off another, but because you aren't paying as much in interest, you have more money available to pay down your debt more quickly.

» MORE: What is a balance transfer, and should I do one?

How much can I save with a balance transfer?

A balance transfer makes financial sense only if the money you save on interest is more than any fee you'll pay to carry out the transfer.

Interest savings

Moving debt to a card with an introductory 0% APR period for balance transfers will obviously save you money in interest. Those savings can add up to hundreds or even thousands of dollars depending on how much you owe.

According to NerdWallet's American Household Credit Card Debt Study, the average household with revolving credit card debt — that is, debt that was carried from one month to the next — had a total of $6,741 in such debt in March 2019. Let's say you had that much debt on a card with an APR of 17%, and you wanted to pay off the debt in equal amounts over 18 months:

  • If you left the debt on the 17% card, you'd pay more than $900 in interest over the course of those 18 months.
  • If you transferred the debt to a card with a 0% intro APR for 18 months, you'd pay no interest at all. Further, if you used the money you would have paid in interest and applied it to paying down the balance, you'd be out of debt a couple of months earlier.

Mind the balance transfer fee

A balance transfer isn't always a slam-dunk solution to high-interest debt. Most cards with promotional 0% APR periods charge balance transfer fees, which typically range from 3% to 5% of the amount being transferred. Some cards don't charge these fees, or waive them for a period of time when you first open your account.

Before pulling the trigger on a transfer, consider whether the amount you’ll save on interest will be enough to make up for any transfer fee. In the above example, a 3% fee on a $6,741 transfer comes out to a little over $200, while a 5% fee would be about $340. If you're saving $900 in interest, then the fee is worth paying.

However, if you'd been planning to pay off the debt in six months rather than 18, then the transfer would have saved you only about $330 in interest — so a 3% fee would have eaten up most of your savings while a 5% fee would have ended up costing you money.

» MORE: NerdWallet’s best credit cards with no balance transfer fee

Estimate your savings with our calculator

Whether a balance transfer will save you money depends mostly on four factors:

  • How much you owe.
  • The current interest rate on that debt.
  • The balance transfer fee.
  • How long the 0% period on the new card lasts.

Enter this information into NerdWallet's balance transfer calculator to get a sense of how much you could save by doing a balance transfer.

How to do a balance transfer

If the math on a balance transfer works in your favor, here’s what to do next.

1. Apply for a balance transfer card

In many cases, cards with an introductory 0% APR offer for transfers give you only a short period of time after opening your account to take advantage of the offer — say, 60 days. So even if you already have a card with a 0% period in effect, it might be too late to use it for a transfer.

In general, you'll need good credit to qualify for a balance transfer card.

Most issuers won’t let you transfer debt from one of their cards to another. For example, you can’t transfer a balance from one Chase card to another. So make sure you aren’t applying for a card from the same bank that holds the debt you need to transfer.

2. Tell the new card’s issuer you want to do a transfer

With some cards, you can do this from your online account dashboard or even the issuer’s mobile app. With others, you’ll need to call the customer service number on the back of the card.

3. Provide information requested by your issuer

You’ll need to know the account number of the debt you want to transfer and how much you want to move. Depending on the credit limit on your new card and the card issuer’s policies (which may limit the amount of a transfer), you may get approved to transfer the entire amount or just a part of it.

4. Continue making payments on the old card

This is critical. The transfer doesn't happen as soon as you ask for it. It can take days or even a couple of weeks. Pay at least the minimum until your old card account shows that the debt has been moved. The last thing you want is to incur an expensive late fee (and possibly damage your credit scores).

5. Watch your accounts

You’ll see the debt paid off on the old card and show up on the new one. Now it’s time to pay it down.

6. Stash the old card, but keep it open

It may be tempting to cut up the old card and cancel the account for the sake of catharsis, but closing a paid-off credit card account can damage your credit scores. If the card doesn't charge an annual fee, keep it open.

Should you get a balance transfer card? Pros and cons

Pros: Why it’s worth getting a balance transfer card

  • You can pay off your debt faster. This should be the point of the balance transfer. Apply the money you save in interest to your balance to get you out of debt faster. Don’t just move debt from one card to another to avoid paying it off.
  • It simplifies your finances. If you’re juggling multiple payments and due dates, you may find it easier to consolidate into one monthly lower-interest payment.

Cons: Why a balance transfer card might not be for you

  • If you don’t pay off your debt within the 0% period, you could be worse off. Without a solid plan in place to pay off the balance you’ve transferred, you could end up paying interest at even higher rate than on your previous card when the 0% period expires.
  • There’s typically a fee involved. Most cards have a balance transfer fee, and depending on how much you owe and the terms you’re looking for, it may not be worth it to shift your debt.
  • You need good to excellent credit to qualify. If your credit standing is just OK, you may not get approved for another card. And every time you apply for a new card, your score takes a hit, so it’s best not to apply if you think approval is a long shot.
  • You may get approved for an amount less than you want to transfer. The new card's issuer might let you transfer only a portion of what you owe. For example, it might set a limit of $5,000 on balance transfers. You can try asking for a higher amount. If that fails, consider other steps to pay down your debt.

» MORE: Compare 0% interest credit cards for good credit

How to compare balance transfer cards

1. Determine whether you qualify

In most cases, balance transfer credit cards require good or excellent credit. Generally, that means a credit score of about 690 or better. (You can get your credit score for free on NerdWallet.)

2. Look at the issuer that holds your current debt

In most cases, you can't transfer balances among cards from the same bank — from one Chase card to another Chase card, for example. This is important to know because it will save you from getting a card you can’t use. Be especially careful with store-branded credit cards, which often do not clearly identify the issuing bank. (Stores don't typically issue and manage their own credit cards; they partner with a bank to do it.)

3. Compare 0% APR periods for balance transfers

The longer the 0% period, the better, since you’ll have more time to pay down your debt without interest. But know that longer periods might mean higher transfer fees

4. Compare balance transfer fees

Transfer fees on most credit cards range from 3% to 5%. That’s equivalent to $30 to $50 for each $1,000 you transfer. A handful of cards do not charge transfer fees or waive them for an introductory period. But those cards are few and far between, and most of them require excellent credit. Also, cards that don’t charge a transfer fee generally have shorter 0% APR periods than balance transfer cards that do.

5. Say no to annual fees

A good balance transfer card will not charge an annual fee. Some rewards cards with annual fees do offer 0% introductory periods, but they're a bad choice for getting out of debt. (The rewards and sign-up bonuses on such cards encourage spending, and the annual fee eats up money that could be going to pay down debt.)

» MORE: Our guide to choosing a balance transfer card.

Making the most of your balance transfer credit card

  • Use your balance transfer credit card only for debt. The cards that save you the most while paying off debt generally don’t offer the best rewards. That's why it's better to use two cards: One for paying off debt over time, and one for making (and immediately paying off) new purchases.
  • Know when promotional periods end. Your card’s introductory 0% APR period doesn't last forever, and in most cases a $0 transfer fee is available only for a limited time. Transfer debt and pay it off within those time periods to avoid interest and fees. Read your credit card statements carefully — or just call your issuer and ask if you're not sure when the clock will run out.
  • Pay on time. If you’re late with a payment, your card’s 0% balance transfer APR will probably disappear. That’s because promotional terms often get voided if your account isn’t in good standing. Aside from losing the card’s most valuable feature, you might also have to pay a late fee (close to $40, typically) and a penalty interest rate (often about 30%). Avoid this basket of bad news by setting up automatic payments, if you’re confident you’ll have enough money in your account to cover at least the minimum. Make extra payments throughout the month, as your budget allows.
  • Make a plan. Take stock of your debt and figure out what you’ll have to do to become debt-free. Calculate how much extra money you can put toward your credit card debt each month, and track your progress as you chip away at the balance .

» MORE: Should I do a balance transfer?

Alternatives to a balance transfer

Maybe a balance transfer card isn’t right for you. There are other ways to get a handle on your debt.

1. Pay more than the minimum due

Your minimum monthly payment due is the absolute least you can pay without incurring a penalty. It won't get you very far toward paying off your debt. To see real interest savings, you need to pay interest on less money, and that means reducing the principal by paying more than the minimum.

2. Use a debt payment calculator

Debt payment calculators show you how much you could save in interest by paying down your credit card balance without a transfer. Enter your balance and choose an interest rate, then see your savings if you reduced the balance by 5% to 50%. See the calculator here.

3. Ask if you qualify for a lower rate

If your credit score has improved since you opened the account, it could pay off to ask your issuer to lower your interest rate. You might get some points knocked off your rate, or possibly get your account moved to a card with a lower rate. You may also be told it’s not possible, but it’s worth a phone call to ask.

» MORE: How to get a lower APR on your credit card

5. Consider a personal loan

A personal loan can be a solid option to get a handle on your high-interest debt. Personal loans can be issued by banks, credit unions and online lenders. Some loans designed for debt consolidation can even be paid directly to your creditors, streamlining the process.

» MORE: Where can I get a personal loan?

Keep in mind that a personal loan makes sense only if the interest rate on the loan is the less than the interest rate you were paying on your credit card debt. Shop around to find the most favorable terms and know that credit unions typically offer some of the best rates but you typically have to become a member to apply. Some online lenders charge origination fees, similar to when a balance transfer card charges a balance transfer fee. Be sure to do the math before committing to a card's terms.

» MORE: Compare personal loan rates from multiple lenders.

How our best balance transfer cards compare

Card Our pick for... 0% intro period for transfers Transfer fee
Citi Simplicity® Card - No Late Fees Ever Long intro 0% APR period 21 months 5% of each balance transfer; $5 minimum.
U.S. Bank Visa® Platinum Card Purchases and transfers (excellent credit) 20 months 3%
Discover it® Balance Transfer Long-term value 18 months 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Wells Fargo Platinum Visa card Purchases and transfers (good credit) 18 months 3% for 120 days, then 5%
BankAmericard® credit card Purchases and transfers (good credit) 18 billing cycles Either $10 or 3% of the amount of each transaction, whichever is greater.
Amex EveryDay® Credit Card $0 introductory transfer fee 15 months $0 (transfers must be requested within 60 days of account opening)

Information about The Amex EveryDay® Credit Card from American Express has been collected by NerdWallet and has not been provided or reviewed by the issuer of this card.


To view rates and fees of the Amex EveryDay® Credit Card, please visit this page.

Last updated on June 11, 2019

Methodology

NerdWallet's Credit Cards team selects the best balance transfer and 0% credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Factors in our evaluation include annual fees, balance transfer fees, the length of each card's 0% introductory APR period, ongoing APRs, credit-profile requirements, cardholders' access to credit scores, and other noteworthy features such as rewards or perks that give the card ongoing value beyond the promotional APR period.