| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
2025 award winner Best 0% Intro APR Credit Card /images/2022/04/27/0427_reflect.png)
Apply Now
Wells Fargo Reflect® Card 4.9
|
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.24%, 23.74%, or 28.99% Variable
|
N/A
|
$0
|
|
2025 award winner Best for Balance Transfers /images/2024/12/16/citi-simplicity.jpg)
Apply Now
Citi Simplicity® Card 4.5
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
18.24% - 28.99% (Variable)
|
N/A
|
$0
|
|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Apply Now
Chase Freedom Unlimited® 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.49% Variable
|
$200
Bonus
|
$0
|
|
2025 award winner Best Overall Cash Back Credit Card /images/2024/12/17/wells-fargo-active-cash-12172024.png)
Apply Now
Wells Fargo Active Cash® Card 5.0
|
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
Purchases:
0%, 12 months from account opening
|
19.24%, 24.24%, or 29.24% Variable
|
$200
Cash rewards
|
$0
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Apply Now
Discover it® Cash Back 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.24% Variable
|
Cashback Match™
|
$0
|
/images/2024/12/16/citi-double-cash.jpg)
Apply Now
Citi Double Cash® Card 5.0
|
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
18.24% - 28.24% (Variable)
|
$200
|
$0
|
/images/2024/12/16/citi-diamond-preferred.png)
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Citi® Diamond Preferred® Card 4.4
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
17.24% - 27.99% (Variable)
|
N/A
|
$0
|
/images/2024/12/16/bofa-travel.png)
Apply Now
Bank of America® Travel Rewards credit card 4.4
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
18.24% - 28.24% Variable
|
25,000
Points
|
$0
|
/images/2025/09/09/capital_one_ventureone_lto_card_art.png)
Apply Now
Capital One VentureOne Rewards Credit Card 4.0
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
20,000 Bonus Miles + $100 Capital One Travel credit
|
$0
|
/images/2025/07/21/citi_strata_card.png)
Apply Now
Citi Strata℠ Card 4.5
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
30,000
Points
|
$0
|
Today's Top Credit Cards
2025 award winner Best 0% Intro APR Credit Card
/images/2022/04/27/0427_reflect.png)
0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- 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. 17.24%, 23.74%, or 28.99% 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.
2025 award winner Best for Balance Transfers
/images/2024/12/16/citi-simplicity.jpg)
0%, 12 months from date of account opening
0%, 21 months from date of account opening
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 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 18.24% - 28.99%, 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).
- Stay protected with Citi® Quick Lock
2025 award winner Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% 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 18.99% - 28.49%.
- 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, alerts, and more.
- Member FDIC
2025 award winner Best Overall Cash Back Credit Card
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% 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.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
0%, 15 months
0%, 15 months
- 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. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
/images/2024/12/16/citi-double-cash.jpg)
N/A, N/A
0%, 18 months
- 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 18.24% - 28.24%, 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).
/images/2024/12/16/citi-diamond-preferred.png)
0%, 12 months from date of account opening
0%, 21 months from date of account opening
- 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 17.24% - 27.99%, 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
/images/2024/12/16/bofa-travel.png)
0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- 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.
- 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 as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- 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% 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 18.24% - 28.24% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America 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. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- 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.
/images/2025/09/09/capital_one_ventureone_lto_card_art.png)
0%, 15 months
0%, 15 months
- LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 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; 19.24% - 29.24% variable APR after that; balance transfer fee applies
/images/2025/07/21/citi_strata_card.png)
- For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 19.24% - 29.24%, 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).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Bottom Line
2025 award winner Best 0% Intro APR Credit Card
The Wells Fargo Reflect® Card(Rates and fees) is a great choice for anyone looking to pay down debt. Cardholders can benefit from a long introductory APR period of 21 months from account opening on qualifying balance transfers and new purchases. Pay no interest until June 2027.
- Intro APR: Enjoy a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers then 17.24%, 23.74%, or 28.99% Variable APR thereafter.
- No annual fee: The Reflect card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
- Cell phone protection: 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).
2025 award winner
Best 0% Intro APR Credit Card
Benefits Card Details Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee $0 Why we like it
/images/2022/04/27/0427_reflect.png)
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.