Long intro 0% APR period

citi
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Card details

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

Regular APR

13.74% – 24.74% Variable APR

Balance Transfer Fee

3%

REGULAR APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
ANNUAL FEE
3%
Recommended credit score
690
850
Good - Excellent

We like it for

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee
  • Free access to FICO® Scores

Long-term value

long
Discover it® Balance Transfer
Card details

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

Regular APR

13.74% – 24.74% Variable APR

Balance Transfer Fee

3%

REGULAR APR
0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
ANNUAL FEE
3%
Recommended credit score
690
850
Good - Excellent

We like it for

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Purchases and transfers (excellent credit)

pur
U.S. Bank Visa® Platinum Card
Card details

Intro APR

0%* on purchases and balance transfers for 20 billing cycles*

Regular APR

11.74% – 23.74% Variable APR

Balance Transfer Fee

3% of each transfer amount ($5 minimum)

REGULAR APR
0%* on purchases and balance transfers for 20 billing cycles*
ANNUAL FEE
3% of each transfer amount ($5 minimum)
Recommended credit score
720
850
Good - Excellent

We like it for

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 11.74% – 23.74%
  • Great Offer for Customers of U.S. Bank, a 2018 World’s Most Ethical Company® – Ethisphere Institute, February 2018
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • 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 your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

Puchases and transfers (good credit)

trans
Wells Fargo Platinum Visa® Card
Card details

Intro APR

0% on Purchases and Balance Transfers for 18 months

Regular APR

16.90% – 26.74% Variable APR

Balance Transfer Fee

3% intro for 18 months, then 5% ongoing

REGULAR APR
0% on Purchases and Balance Transfers for 18 months
ANNUAL FEE
3% intro for 18 months, then 5% ongoing
Recommended credit score
690
850
Good - Excellent

We like it for

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.90%-26.74% variable APR; balance transfer fees apply
  • 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 your Wells Fargo Platinum Visa® Card

$0 intro transfer fee plus rewards

amex
The Amex EveryDay® Credit Card from American Express
Card details

Intro APR

0% on Purchases and Balance Transfers for 15 months

Regular APR

14.74% – 25.74% Variable APR

Balance Transfer Fee

$0

REGULAR APR
0% on Purchases and Balance Transfers for 15 months
ANNUAL FEE
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.

Repeated transfers over time

repeat
Barclaycard Ring® Mastercard®
Card details

Intro APR

0% on Balance Transfers for 12 months on balance transfers made within 45 days of account opening

Regular APR

13.74% Variable APR

Balance Transfer Fee

Balance Transfers that post to the account within 45 days of account opening: Either $5 or 3% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0

REGULAR APR
0% on Balance Transfers for 12 months on balance transfers made within 45 days of account opening
ANNUAL FEE
Balance Transfers that post to the account within 45 days of account opening: Either $5 or 3% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply
  • Low 13.74% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN