If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many of the cards below offer more than a year of 0% intro APR to pay down your debts or a low ongoing interest rate for a longer-term debt reduction strategy.
Compare these deals to find the one for you.
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Wells Fargo Reflect® Card: Best for Long Intro APR Period for Balance Transfers and Purchases
Chase Freedom Unlimited®: Best for Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Discover it® Cash Back: Best for High Rewards Rate in Rotating Categories and First Year Cashback Match
Citi Simplicity® Card: Best for Extra-long Intro APR Period + No Late Fees
Citi® Diamond Preferred® Card: Best for Extra-long Balance Transfer Offer
Capital One Savor Cash Rewards Credit Card: Best for Delicious Foodie-Focused Rewards, for No Annual Fee
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Excellent for Long Intro APR Period for Balance Transfers and Purchases | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 16.99%, 23.49%, or 28.74% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website | |
Excellent for Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 18.99%-28.49% Variable APR | Apply Now on Chase's website on Chase's website | |
Excellent for High Rewards Rate in Rotating Categories and First Year Cashback Match | $0 | 0% intro APR for 15 months on purchases and balance transfers | 18.24%-27.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
Excellent for Extra-long Intro APR Period + No Late Fees | $0 | 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months | 17.99%-28.74% Variable APR | Apply Now on Citibank's application on Citibank's application | |
Excellent for Extra-long Balance Transfer Offer | $0 | 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months | 16.99%-27.74% Variable APR | Apply Now on Citibank's application on Citibank's application | |
Excellent for Delicious Foodie-Focused Rewards, for No Annual Fee | $0 | 0% intro APR for 12 months on purchases and balance transfers; balance transfer fee applies | 19.24%-29.24% Variable APR | Apply Now on Capital One's website on Capital One's website |
Excellent for: Long Intro APR Period for Balance Transfers and Purchases
Excellent for: Intro APR Period, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Excellent for: High Rewards Rate in Rotating Categories and First Year Cashback Match
Excellent for: Extra-long Intro APR Period + No Late Fees
Excellent for: Extra-long Balance Transfer Offer
Excellent for: Delicious Foodie-Focused Rewards, for No Annual Fee