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.
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Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
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Citi® Diamond Preferred® Card
Annual Fee
$0
Purchase Intro APR
0% intro APR for 12 months on Purchases
Balance Transfer Intro APR
0% intro APR for 21 months on Balance Transfers
Regular APR
16.74% – 27.49% (Variable)
Recommended credit
Excellent/Good
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% – 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Annual Fee
$0
Intro BonusEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
$200
RewardsEarn unlimited 1.25X miles on every purchase, every day.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
1.25X – 5X
Purchase Intro APR
0% intro on purchases for 15 months
Balance Transfer Intro APR
0% intro on balance transfers for 15 months; Balance transfer fee applies
Regular APR
18.74% – 28.74% (Variable)
Recommended credit
Excellent, Good
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.74% – 28.74% variable APR after that; balance transfer fee applies
- Top rated mobile app
Annual Fee
$0
Welcome OfferEarn Unlimited Cashback Match™ INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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
Unlimited Cashback Match™
RewardsEarn 2% Cash Back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% Cash Back on all other purchases.
1% – 2% cash back
Purchase Intro APR
0% Intro APR on purchases for 6 months
Balance Transfer Intro APR
0% Intro APR on balance transfers for 18 months; balance transfer fee applies
Regular APR
17.74% – 26.74% (Variable)
Recommended credit
Excellent, Good
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% – 26.74% Standard Variable APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases
- Redeem cash back for any amount
- No annual fee
- Terms and conditions apply
Annual Fee
$0
Purchase Intro APR
0% Intro APR for 21 billing cycles for purchases
Balance Transfer Intro APR
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
Regular APR
15.24% – 26.24% Variable APR
Recommended credit
Excellent/Good
- 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 Variable APR that’s currently 15.24% – 26.24% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Great For Choosing Your Top Category
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Bank of America® Customized Cash Rewards credit card
Annual Fee
$0
Intro Bonus$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200
Rewards6% cash back for the first year 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.
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
1% – 6% Cash Back
Purchase Intro APR
0% Intro APR for 15 billing cycles for purchases
Balance Transfer Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.74% – 27.74% Variable APR
Recommended credit
Excellent/Good
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy – from gifts to groceries – BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% – 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Top-rated for Balance Transfers and 2% Cash Back
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Citi Double Cash® Card
Annual Fee
$0
Intro BonusEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
RewardsEarn 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2% cash back
Balance Transfer Intro APR
0% intro APR for 18 months on Balance Transfers
Regular APR
18.49% – 28.74% (Variable)
Recommended credit
Excellent/Good
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% – 28.74%, 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).
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.