Our pick for

Longest 0% APR period

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Apply Now on Citibank's secure application

Intro APR Promotions

0% on Purchases and Balance Transfers for 21 months

APR

  • APR: 14.99% - 24.99% Variable APR

Annual Fee

$0

Bonus Offer

None

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% 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
  • View Rates and Fees
Balance transfer fee
3%
0% promo period
21
months
Recommended credit score
690
850
Good - Excellent
We like it for
Long 0% period for transfers No late fee No annual fee

Who it’s good for

Someone who needs as much time as possible to pay down debt interest-free.

Benefits

This card rises to the top with its ultra-long 0% balance transfer APR, $0 annual fee and free FICO score. Unlike most cards, it doesn’t charge a late fee or a penalty APR, although you should still pay on time every month. Citi allows you to transfer any kind of debt to your card, including student loans and auto loans, as long as the account number is at least five digits long and doesn’t include any letters.

Drawbacks

Bottom line

Our pick for

Long-term value

Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

Apply Now on Discover's secure site

Intro APR Promotions

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

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Discover will match ALL the cash back earned at the end of your first year, automatically.

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Redeem your cash back for any amount, any time. Cash 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.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • View Rates and Fees
Balance transfer fee
3%
0% promo period
18
months
Recommended credit score
690
850
Good - Excellent
We like it for
Cash-back rewards Long 0% period on transfers No annual fee

Who it’s good for

Someone who prefers to use one card for everything.

Benefits

Most balance-transfer cards don’t give you much of a reason to keep using them after the 0% period expires. The Discover it® - 18 Month Balance Transfer Offer is different because of its rewards program. It pays 5% cash back in rotating categories that you activate, on up to $1,500 in purchases each quarter, and 1% on everything else. In recent years, those categories have included such common merchants as gas stations, restaurants and Amazon.com. There’s also a new-cardholder bonus that gets bigger the more you use the card.

Drawbacks

Bottom line

Methodology

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

Last updated July 25, 2017.

Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7.