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BankAmericard® credit card
If you have lingering credit card debt with high interest rate charges from other cards, the BankAmericard® credit card can help you squash that debt without pesky charges.
Enjoy a 0% introductory APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 21 billing cycles. This extended intro period gives you extra time to pay down your balances. After the intro period, the APR is 15.74% - 25.74% Variable.
This card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
Plus, sometimes credit cards will charge penalty APR if you have late payments, but there is no penalty APR with the BankAmericard® credit card. This credit card can be powerful for helping to get your finances in order.
Click here to apply for the BankAmericard® credit card now.
Wells Fargo Active Cash® Card
If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card Rates and fees checks both of those boxes!
New cardholders can benefit from an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 19.99%, 24.99%, or 29.99% variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.
Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!
Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.
The best part? There's no annual fee.
Click here to apply for the Wells Fargo Active Cash® Card now.
U.S. Bank Visa® Platinum Card
Take a break from interest payments with the U.S. Bank Visa® Platinum Card. With a 0% intro APR period that extends 18 billing cycles, you can pause your interest payments until November 2024—giving you plenty of time to pay down your debt without the added stress and worry of accumulating interest.
Upon account opening, cardholders can enjoy an extended 0% intro APR for 18 billing cycles on balances transferred in the first 60 days, plus a 0% introductory APR on purchases for 18 billing cycles. That's more than a full year of not having to worry about accumulating interest on new purchases! After the intro period, the APR is 19.49% - 29.49% (Variable).
One more perk you don't want to overlook: Use your U.S. Bank Visa® Platinum Card to pay your cell phone bill, and you’re covered up to $600 against theft and damage.
Annual Fee: $0
Click here to apply for the U.S. Bank Visa® Platinum Card now.
Capital One Quicksilver Cash Rewards Credit Card
Imagine getting more than a full year with 0% interest on your purchases. You could completely change your financial picture with this industry-leading low-interest card - the Capital One Quicksilver Cash Rewards Credit Card.
If you want to avoid racking up huge interest charges, this is an incredible card to have in your wallet. Pay for your next big purchase with this card and enjoy a generous 0% intro APR for 15 months then 19.74% - 29.74% (Variable). During this intro period, your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!
Plus, new cardholders can get a one-time cash bonus — earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement while also earning 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
The best part? There's no annual fee.
Click here to apply for the Capital One Quicksilver Cash Rewards Credit Card now.
Bank of America® Unlimited Cash Rewards credit card
If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America® Unlimited Cash Rewards credit card.
Enjoy a 0% introductory APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 18 billing cycles. After the intro period, the APR is 17.74% - 27.74% Variable.
You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of account opening.
On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards member. With rates that high, you can rack up some serious cash back in no time at all.
Click here to apply for the Bank of America® Unlimited Cash Rewards credit card now.
Chase Freedom Unlimited®
Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited® card!
With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until August 2024 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 19.74% - 28.49% Variable.
And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.
Annual Fee: $0
Click here to apply for Chase Freedom Unlimited® now.
Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card checks all the boxes for a top 0% intro APR credit card.
Long intro period? ✅
Generous welcome offer? ✅
Great cashback rewards? ✅
No annual fee? ✅
You can pay off high-interest debt faster with this card's 0% introductory APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 18 billing cycles. After the intro period, the APR is 17.74% - 27.74% Variable.
You can also earn cash back rewards for your everyday spending. You can earn 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases. Plus, earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
All these perks and there's no annual fee
Click here to apply for the Bank of America® Customized Cash Rewards credit card now.
Bottom Line
The BankAmericard® credit card is a great choice for almost everyone. Who doesn't love 21 billing cycles with 0% interest on a balance transfer or a big purchase — all without an annual fee?
- Intro APR: Enjoy a 0% introductory APR on purchases for 21 billing cycles then 15.74% - 25.74% Variable. You also get a 0% intro APR for 21 billing cycles for any qualifying balance transfers made in the first 60 days then 15.74% - 25.74% Variable.
- No annual fee: The BankAmericard 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. BankAmericard gives cardholders access to their FICO credit score for free online or through the Bank of America mobile app.
- No-penalty APR: Sometimes credit cards will charge penalty APR if you fall behind on your payments. Typically this is higher than the APR on regular purchases. There is no penalty APR with the BankAmericard.
- Security: Stay safe with the BankAmericard. It offers fraud protection, including alerts to any suspicious spending patterns. Cardholders always receive a $0 liability guarantee for fraudulent transactions.
» Click here to apply now and pay 0% interest until nearly 2025
Benefits
Card Details
- Extensive intro APR on qualifying balance transfers and purchases
- FICO Credit score monitoring
- No annual fee
- Apply Now
- 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, 15.74% - 25.74% 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.
Intro Offer
Extensive introductory APR offer on purchases and qualifying balance transfers
Annual Fee
$0
Why we like it
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.