With interest rates at record highs, it is a crucial time to lock in a long 0% intro APR. The good news is that credit card issuers are offering extremely long intro APRs in order to stand out from their competitors and win your business. If you have good to excellent credit (usually considered a score of 670 – 850*) and you would like to avoid interest charges, are planning a large purchase, or would like to save money by transferring your balance from another credit card, then one of the cards below will surely suit your needs. It is also worth noting that none of the cards below charge an annual fee.
Wells Fargo Reflect® Card
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
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 and you 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 Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 16.99%, 23.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. 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.
Wells Fargo Reflect® Card
If you are willing to give up cash back rewards in return for a longer intro APR then the Wells Fargo Reflect® Card is our top-pick for you. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 16.99%, 23.49%, or 28.74% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a balance transfer fee (5%; min: $5). If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. 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.
Citi Double Cash® Card
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
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 and a welcome bonus. Read our in-depth Review to learn more.Card Details From Issuer
- 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 17.99% – 27.99%, 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).
Citi Double Cash® Card
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 is a fantastic option for you. If you are looking for additional savings you can get immediate relief from interest payments on your existing high-interest credit card debt by transferring those balance(s) and accepting the 18-month 0% APR balance transfer offer terms. There is a reasonable balance transfer fee and the ongoing APR of 17.99% – 27.99% (Variable) will apply after the introductory rate is up after 18 months. Even with the higher than average cash back rate, this card does not charge an annual fee and offers a welcome bonus.
Discover it® Chrome
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity. Read our in-depth Review to learn more.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.99% to 26.99% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
Discover it® Chrome
The Discover it® Chrome card is a well-rounded option as it offers cash back rewards, a generous intro APR period (especially on balance transfers), a unique bonus opportunity and does not charge an annual fee. It offers a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.99% – 26.99% Variable APR. You will also earn 2% back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus you will earn unlimited 1% cash back on all other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus.
Getting approved for a credit card with a long 0% introductory APR on purchases and balance transfers is an excellent way to save money. It is important to plan ahead and aim to pay your balance down before the introductory period is over, if possible.
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.
