Our pick for

Longest 0% APR period

Citi Simplicity® Card - No Late Fees Ever
Apply Now on Citibank's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 21 months

APR

  • APR: 14.49% - 24.49% Variable APR

Annual Fee

$0

Bonus Offer

0% on purchases and balance transfers for 21 months

  • 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 14.49% - 24.49% 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.
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
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

You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 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, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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

Our pick for

No balance transfer fee

Barclaycard Ring™ Mastercard®
Apply Now on Barclaycard's secure site

Intro APR Promotions

0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening)

APR

  • APR: 13.99% Variable APR
  • Cash Advance APR: 13.99%, Variable

Annual Fee

$0

Bonus Offer

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Balance transfer fee
0%
0% promo period
15
months
Recommended credit score
720
850
Excellent
We like it for
No balance transfer fee No penalty fee 0% period on transfers No annual fee

Who it’s good for

Someone with excellent credit trying to pay down debt interest- and fee-free.

Benefits

The Barclaycard Ring™ Mastercard® comes with an introductory 0% APR period and never charges balance transfer fees — ever. As a cardholder, you can make suggestions and vote on new product features through the card’s online community. You’ll also get a free FICO score.

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.