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.
If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many offer more than a year of 0% APR to pay down your debts or a low ongoing interest rate for a longer-term debt reduction strategy. Compare these deals, some of which are from our partners, to find the one for you.
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BankAmericard® credit card: Best for Cost-Effective Balance Transfer
Chase Freedom Unlimited®: Best for Cash-Back Pairing With Chase Sapphire Preferred®
Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases
Citi Simplicity® Card: Best for Long 0% Period and No Late Fees
Wells Fargo Active Cash® Card: Best for Cash Back — High Flat Rate + Incentives
Discover it® Cash Back: Best for Bonus Categories and First Year Cashback Match
Excellent for: Cost-Effective Balance Transfer
Excellent for: Cash-Back Pairing With Chase Sapphire Preferred®
Excellent for: Long 0% Period for Transfers and Purchases
Excellent for: Long 0% Period and No Late Fees
Excellent for: Cash Back — High Flat Rate + Incentives
Excellent for: Bonus Categories and First Year Cashback Match