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 17.74% – 29.74% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 17.74% – 29.74% 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 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. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 17.74% – 29.74% 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 for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% 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 against damage or theft 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 get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an 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 21 billing cycles for purchases, then 15.49% – 25.49% Variable APR
Balance Transfer APR
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, then 15.49% – 25.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*

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Updated March 1, 2023
Critics' Overview
This low APR card is a straightforward option for those looking to save money on interest on purchases and balance transfers. You will also pay no annual fee and paying late won’t automatically raise your interest rate.
Purchase & Balance Transfer APR
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 15.49% – 25.49% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% – 25.49% Variable APR will apply. A 3% fee 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 for 12 months on Purchases, then 17.74% – 28.49% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 17.74% – 28.49% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics' Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be 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. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 17.74% – 28.49% (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 17.74% – 28.49%, 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.
Apply Now
On Citi®'s Secure site
Purchase APR
0% Intro APR on purchases for 6 months, then 16.49% – 27.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 16.49% – 27.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1% – 5%
Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
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 & Balance Transfer APR
0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 16.49% – 27.49% 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 (670 – 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
Apply Now
On Discover's Secure site
Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 17.49% – 27.49% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 17.49% – 27.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5x Points
1.5 points per $1 spent on all purchases.
If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.
Intro Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

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Updated March 1, 2023
Critics' Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a really long intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.
Purchase & Balance Transfer APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 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, 17.49% – 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- 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 18 billing cycles for purchases, then 17.49% – 27.49% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 17.49% – 27.49% 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 March 1, 2023
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 especially if you’re looking for a generous intro APR. With an easy to achieve intro bonus and fantastic ongoing cash back rewards, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
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 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 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, 17.49% – 27.49% Variable APR will apply. A 3% fee 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 18 billing cycles for purchases, then 17.49% – 27.49% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 17.49% – 27.49% 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 March 1, 2023
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 longer than average intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
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 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire.
- 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, 17.49% – 27.49% Variable APR will apply. A 3% fee 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 18 billing cycles on purchases, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% Intro APR for 18 billing cycles on balance transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Good/Excellent
670 – 850*

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Critics' Overview
If getting ahead of your debt is a priority, then the U.S. Bank Visa® Platinum Card is a solid option. It offers a long intro APR on both purchases and balance transfers, which will allow you some breathing room to pay off existing debt. 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 18 billing cycles on purchases and balance transfers, then 19.24% – 29.24% (Variable)
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Recommended Credit Score
Good/Excellent (670 – 850*)
Card Details From Issuer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.24% – 29.24%.
- 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions apply.
Apply Now
On U.S. Bank's Secure site
Purchase APR
0% intro APR for 15 months from account opening, then 19.74%, 24.74%, or 29.74% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 19.74%, 24.74%, or 29.74% 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 a 19.74%, 24.74%, or 29.74% 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 19.74%, 24.74%, or 29.74% 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 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- 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 15 billing cycles on purchases, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% Intro APR for 15 billing cycles on balance transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Good/Excellent
670 – 850*
Cash Back
1% – 5%
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
1% cash back on all other eligible purchases
Intro Bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

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Critics' Overview
If you prefer to be hands on with your rewards categories, then the U.S. Bank Cash+® Visa Signature® Card is the one for you. You choose 2 categories to earn 5% cash back on the first $2,000 spent each quarter and one category to earn 2% cash back. This flexibility allows you to maximize your rewards based on your spending. This card also offers a generous welcome bonus and an intro APR period for purchases and balance transfers.
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles on purchases and balance transfers, then 19.24% – 29.24% (Variable)
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Recommended Credit Score
Good/Excellent (670 – 850*)
Card Details From Issuer
- $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.24 – 29.24%
- No Annual Fee
- Terms and conditions apply.
Apply Now
On U.S. Bank's Secure site
Purchase APR
0% intro APR on purchases for 15 months, then 18.74%-29.74% Variable
Balance Transfer APR
0% on balance transfers for 15 months, then 18.74%-29.74% Variable
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Welcome Bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

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Critics' Overview
If an annual fee is a deal breaker for you then the Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a fantastic choice for your cash back needs. This card offers a good balance of ongoing rewards, a welcome offer and a generous intro APR period on purchases and balance transfers. Round that out with other perks and the card member benefits that American Express is well known for and you have yourself an excellent cash back card. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 15 months, then 18.74%-29.74% Variable APR
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Apply Now
On American Express' Secure site
Purchase APR
0% intro APR for 12 months, then 18.74%-29.74% Variable
Balance Transfer APR
0% intro APR for 12 months, then 18.74%-29.74% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Welcome Bonus
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

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Critics' Overview
If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee it is waived the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 12 months, then 18.74%-29.74% Variable APR
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$0 intro annual fee for the first year, then $95.
Card Details From Issuer
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Apply Now
On American Express' 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.