NerdWallet’s database of more than 1,200 cards can point you to the best credit card options for your preferences, whether you’re interested in a 0% APR, a balance transfer or a rewards card. But what if you want all three? Good news: We’ve found three cards that offer the triple threat of a balance transfer option, cash rewards and a long 0% introductory APR.
Citi® Double Cash Card – 18 month BT offerCiti® Double Cash Card – 18 month BT offer offers one of the most innovative rewards programs in the industry — you’ll receive 1% cash back when you make a purchase and another 1% when you pay it off. Rewards can be redeemed starting at $25 for cash, statement credit or gift card.
The Citi® Double Cash Card – 18 month BT offer has an introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 15.24% - 25.24% Variable APR. The balance transfer fee is 3%. The card has an annual fee of $0 and foreign transaction fees of 3%.
The Citi® Double Cash Card – 18 month BT offer is best for those whose spending doesn’t line up with the bonus categories of the Chase Freedom® or Discover it® Cash Back. The potential cash back — provided you pay off your balance — is very high for the industry.
Chase Freedom®Chase Freedom® offers 5% cash back rewards on quarterly rotating categories and 1% back on everything else. The latest bonus categories are as follows:
|Chase Freedom® bonus rewards categories for 2018|
|Q1 2018 (Jan. 1 - March 31)||• Gas stations
• Internet, cable and phone service
• Purchases via Chase Pay, Apple Pay, Android Pay and Samsung Pay
|Q2 2018 (April 1 - June 30)||• Grocery stores
• PayPal, for online, mobile or in-app purchases
• Chase Pay, for online, mobile or in-app purchases
|Q3 2018 (July 1 – Sept. 30)||• Gas stations
|Q4 2018 (Oct. 1 – Dec. 31)||• Chase Pay
• Wholesale clubs
• Department stores
There’s also a nice signup bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
The Chase Freedom® offers an introductory APR: 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.74% - 25.49% Variable APR. The annual fee is $0.
The Chase Freedom® is best for cardholders whose spending more or less lines up with the 5% bonus categories.
Discover it® Balance TransferDiscover it® Balance Transfer offers 5% cash back on quarterly rotating categories and 1% back on everything else. Here are the bonus categories:
|Discover bonus categories for 2018|
|Q1 2018 (Jan. 1 – March 31)||Gas stations and wholesale clubs|
|Q2 2018 (April 1 – June 30)||Grocery stores|
|Q3 2018 (July 1 – Sept. 30)||Restaurants|
|Q4 2018 (Oct. 1 – Dec. 31)||Amazon.com and wholesale clubs|
The Discover it® Balance Transfer offers Intro APR period on Purchases and Balance Transfers, and then the ongoing APR of 13.74% - 24.74% Variable APR. The balance transfer fee is 3% and it has an annual fee of $0. It’s the best for cardholders whose spending lines up with the 5% bonus categories.
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