Get Out of Debt Faster: Pay 0% Intro APR into 2027

Excellent for no annual fee & low interest

BankAmericard^® credit card

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4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Bank of America's secure website

Intro APR

Purchases:
0%, 21 billing cycles

Balance Transfers:
0%, 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

14.99% - 25.99% Variable

Annual Fee

$0

Rewards Rate

N/A

Why We Like It

• The BankAmericard^® credit card is a wonderful option for individuals who want to take advantage of a stellar introductory balance transfer sign-up offer

• Cardholders can benefit from a 0% introductory APR on purchases and qualifying balance transfers for 21 billing cycles (then 14.99% - 25.99% Variable APR)

• Other benefits include no penalty APR or annual fees

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on Bank of America's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• New! 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 14.99% - 25.99% 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.

Apply Now

on Bank of America's secure website

Why You'll Love The BankAmericard^® credit card

The BankAmericard^® credit card makes a great choice for anyone carrying a balance or looking to consolidate debt, thanks to one of the longest 0% intro APR periods on the market — all with a $0 annual fee. With nearly two years to pay down what you owe interest-free, and a straightforward no-rewards design that keeps things simple, this card is built entirely around giving you the runway to get your balance to zero.

• Nearly two years of 0% intro APR on purchases:  You get 0% intro APR for 21 billing cycles, which means every dollar you pay during the intro period could go toward your balance, not interest.

• 0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days: Consolidate higher-rate debt onto this card and stop paying interest on it during the intro period. After that, the variable APR will be 14.99% - 25.99% Variable.

• $0 annual fee: No yearly cost to hold the card.
• Apply in minutes from your phone or computer: A quick application process means you could start saving on interest sooner rather than later.
• Straightforward, no-gimmick design: This card is built for one thing — giving you time to pay off debt. No complicated rewards structures, no points to track. Just a long runway to get your balance to zero.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Apply for the BankAmericard^® credit card

We think the BankAmericard^® credit card is tough to beat, but if you'd like to explore other options, here are three great alternatives.

Excellent for high-rate cash back categories

Discover it^® Cash Back

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Capital One's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

17.49% - 26.49% Variable

Annual Fee

$0

Rewards Rate

1% - 5% 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.

Cash back

Why We Like It

• Multiply your first-year cash back: Discover will match all the cash back you’ve earned at the end of your first year.

• Plus, pay 0% intro APR on purchases and balance transfers for 15 months (then APR is 17.49% - 26.49% Variable)

• Enjoy no annual fee in addition to the opportunity for generous cash back

Apply Now

on Capital One's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• 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 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. No annual fee.
• Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

Apply Now

on Capital One's secure website

Rates and fees

2026 AWARD WINNER Best for 0% Intro APR and Rewards

Chase Freedom Unlimited^®

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Annual Fee

$0

Rewards Rate

1.5% - 5% Earn 5% cash back on travel purchased through Chase Travel℠, 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

Cash Back

Why We Like It

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

• Enjoy 0% intro APR on purchases for 15 months and 0% intro APR on balance transfers for 15 months (then 18.24% - 27.74% Variable APR)

• Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 1.5% cash back on all other purchases

Apply Now

on Chase's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• 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 use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• 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

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on Chase's secure website

Rates and fees

Excellent for balance transfers and easy travel rewards redemption

Bank of America^® Travel Rewards credit card

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4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

Intro APR

Purchases:
0%, 15 billing cycles

Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.49% - 27.49% Variable

Annual Fee

$0

Rewards Rate

1.5X - 3X Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on everyday purchases

Points

Why We Like It

• Simple, flat-rate rewards with up to 75% Bank of America Preferred Rewards® bonus potential.

• Lengthy intro APR offer for purchases and qualifying balance transfers, helpful for covering large purchases or paying down high-interest debt.

• No annual or foreign transaction fee.

Apply Now

on Bank of America's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• 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 everyday 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 17.49% - 27.49% 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.

Apply Now

on Bank of America's secure website