Based on NerdWallet’s estimate of the average credit card interest rate, the average household debt, and the total interest paid on the balance over 18 months. Savings estimate assumes total debt balance is repaid within 0% intro APR period.
Get a card with an intro 0% APR offer and pay off your debt faster. Compare these deals, some of which are from our partners, to find the one for you.
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Citi Double Cash® Card: Best for Flat Rate Cash Back
Citi® Diamond Preferred® Card: Best for Long 0% interest periods for balance transfers
Discover it® Cash Back: Best for Bonus Categories and First Year Cashback Match
U.S. Bank Visa® Platinum Card: Best for Long 0% period for transfers and purchases
Bank of America® Customized Cash Rewards credit card: Best for Customizable rewards
BankAmericard® credit card: Best for 0% intro APR and no annual fee
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Excellent for Flat Rate Cash Back | $0 | 0% intro APR on Balance Transfers for 18 months | 19.24%-29.24% Variable APR | Apply Now on Citibank's application on Citibank's application | |
Excellent for Long 0% interest periods for balance transfers | $0 | 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases | 18.24%-28.99% Variable APR | Apply Now on Citibank's application on Citibank's application | |
Excellent for Bonus Categories and First Year Cashback Match | $0 | 0% intro APR for 15 months on purchases and balance transfers | 17.24%-28.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
Excellent for Long 0% period for transfers and purchases | $0 | 0% intro APR for 18 billing cycles on purchases and balance transfers | 18.74%-29.74% Variable APR | Apply Now on US Bank's website on US Bank's website | |
Bank of America® Customized Cash Rewards credit card Apply Now on Bank of America's website, on Bank of America's website, or call (877) 754-6706 | Excellent for Customizable rewards | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.24%-28.24% Variable APR | Apply Now on Bank of America's website, on Bank of America's website, or call (877) 754-6706 |
BankAmericard® credit card Apply Now on Bank of America's website, on Bank of America's website, or call (800) 322-7707 | Excellent for 0% intro APR and no annual fee | $0 | 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | 16.24%-26.24% Variable APR | Apply Now on Bank of America's website, on Bank of America's website, or call (800) 322-7707 |
Excellent for: Flat Rate Cash Back
Excellent for: Long 0% interest periods for balance transfers
Excellent for: Bonus Categories and First Year Cashback Match
Excellent for: Long 0% period for transfers and purchases
Excellent for: Customizable rewards
Excellent for: 0% intro APR and no annual fee