Pay down debt or finance large purchases with the longest 0% intro APR offers available.
Wells Fargo
Annual Fee
$0
Rewards Rate
2%
Intro Offer
$200
Regular APR
19.49%–29.49%+
The best no-annual-fee flat-rate cash back card on the market. 2% on everything with no category hassles, plus 0% intro APR for 15 months. Direct competitor to Citi Double Cash with a better intro offer.
Citi
Annual Fee
$0
Rewards Rate
2%
Intro Offer
None
Regular APR
19.24%–29.24%+
Long 0% APR on balance transfers. Simple 2% back (1% + 1%). Solid for debt payoff or everyday spend.
Wells Fargo
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
18.24%–29.99%+
One of the longest 0% intro APR periods available — up to 21 months on purchases and balance transfers. No annual fee. Ideal for financing a large purchase or consolidating debt.
Citi
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
18.49%–28.99%+
One of the longest 0% intro APR offers for balance transfers at 21 months. No annual fee and no late fees — ever. A pure utility card for paying down debt without rewards distractions.
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