If you are interested in moving some of your credit card debt over to a new card with a generous 0% intro APR period, the following cards from our partners would all be outstanding options. If you are unclear about how a balance transfer can help you save money on credit card interest then check out our article on balance transfer basics.
Purchase APR
0% intro APR for up to 21 months from account opening on purchases, then 13.74%-25.74% Variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 13.74%-25.74% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics’ Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous 0% intro APR period that can be extended up to 3 months with on-time payments. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.
Purchase & Balance Transfer APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 13.74%-25.74% Variable APR
Intro Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select “Apply Now” to learn more about the product features, terms and conditions
Apply Now
On Wells Fargo’s Secure site
Purchase APR
0% intro APR for 12 months on Purchases, then 14.49% – 24.49% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 14.49% – 24.49% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics’ Overview
If you are looking for a card that offers a long intro APR on purchases and balance transfers then this no-frills card from Citi, an advertising partner, is a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase APR
0% intro APR for 12 months on Purchases, then 14.49% – 24.49% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 14.49% – 24.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% – 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- The standard variable APR for Citi Flex Plan is 14.49% – 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Apply Now
On Citi®’s Secure site
Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 13.24% – 23.24% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 13.24% – 23.24% Variable APR
Recommended Credit Score
Excellent/Good
670- 850*
Intro Bonus
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening

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Updated May 3, 2022
Critics’ Overview
This low APR card is unlike any other we have seen as it offers a $100 statement credit to those who make at least $1,000 in purchases in the first 90 days of account opening. You will also pay no annual fee and save money on interest with a very generous intro APR offer.
Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 13.24% – 23.24% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 13.24% – 23.24% Variable APR
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit Score
Excellent/Good (670- 850*)
Card Details From Issuer
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% – 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America®’s Secure site
Purchase APR
0% Intro APR on purchases for 6 months, then 12.24% – 23.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 12.24% – 23.24% Variable APR
Recommended Credit Score
Excellent/Good/Average
620 – 850*
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.

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Critics’ Overview
This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.
Purchase APR
0% Intro APR on purchases for 6 months, then 12.24% – 23.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 12.24% – 23.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Recommended Credit Score
Excellent/Good/Average (620 – 850*)
Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- No annual fee.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Click “APPLY NOW” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Apply Now
On Discover’s Secure site
Purchase APR
14.74% – 24.74% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 14.74% – 24.74% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

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Critics’ Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer. Read our in-depth Critical Analysis to learn more.
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 14.74% – 24.74% (Variable)
Purchase APR
14.74% – 24.74% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Apply Now
On Citi®’s Secure site
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.24% – 24.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.24% – 24.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 3%
3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
1% cash back on all other purchases.
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

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Updated May 3, 2022
Critics’ Overview
The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees. With an easy to achieve intro bonus, fantastic ongoing cash back rewards and very generous intro-APR periods for purchases and balance transfers, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.24% – 24.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.24% – 24.24% Variable APR
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% – 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America®’s Secure site
Purchase APR
0% intro APR for 15 months from account opening, then 15.74%, 20.74%, or 25.74% Variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 15.74%, 20.74%, or 25.74% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
2%
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

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Critics’ Overview
If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then 15.74%, 20.74%, or 25.74% Variable APR
Intro Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select “Apply Now” to learn more about the product features, terms and conditions
Apply Now
On Wells Fargo’s Secure site
Purchase APR
0% Intro APR on Purchases for 15 months, then 15.24% – 23.99% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 15.24% – 23.99% Variable
Recommended Credit Score
Good – Excellent
670- 850*
Cash Back
1.5% – 5%
Earn 5% on travel purchased through Chase
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
Earn 3% on dining at restaurants and drugstores
Earn unlimited 1.5% cash back on all other purchases
Welcome Bonus
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

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Critics’ Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 15 months, then 15.24% – 23.99% Variable
Intro Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days
Recommended Credit Score
Good – Excellent (670- 850*)
Card Details From Issuer
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% – 23.99%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Apply Now
On Chase’s Secure site
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.24% – 24.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.24% – 24.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5%
1.5% cash back
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

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Updated May 3, 2022
Critics’ Overview
This cash back credit card offers unlimited 1.5% cash back on every purchase making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and a lengthy intro APR on purchases and balance transfers.
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.24% – 24.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.24% – 24.24% Variable APR
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% – 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America®’s Secure site
Purchase APR
0% Intro APR for 15 months on Purchases, then 14.24% – 24.24% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 14.24% – 24.24% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 2x
For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Plus, earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Intro Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

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Critics’ Overview
If you are interested in a unique rewards card that rounds up to the nearest 10 points on every purchase then look no further. With the Citi Rewards+® Card, an advertising partner, you will earn a higher rate at Supermarkets and Gas Stations, have a chance to earn an intro bonus and save with a generous intro APR on purchases and balance transfers.
Purchase & Balance Transfer APR
0% Intro APR for 15 months on Purchases and Balance Transfers then 14.24% – 24.24% (Variable) APR
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24% – 24.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 14.24% – 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Apply Now
On Citi®’s Secure site
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.