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Sometimes, the coolest thing about a credit card is the rewards — upgrades, hotel points, travel miles or maybe cash back. But sometimes, like when the economy takes a scary turn and you wonder if your job is secure, what you really need in a credit card is a way to lighten the load of other credit card debt.
If you have balances on cards with high interest rates, it’s probably time to do something about them. Check out these offers for 0% rates on balance transfers for introductory periods of up to 21 months — and some additional perks, too, depending on your needs. See which one best fits your financial situation and spending habits.
This card gives you a whopping 18-month runway with a 0% APR to pay off balance transfers from other cards.
How it works: You pay a fee — $5 or 3% of the balance, whichever is greater — to transfer your balance from a card that is charging high interest, and then you get a 18-month introductory period at 0% APR to pay off that balance. That means, as of publication, you have until November 2021 at 0% interest. You can save a bundle if you are determined to pay down that balance during the grace period.
Note: After that introductory period, your interest rate will go up. So remember, the goal is to have no balance or a small balance by that time.
- Pay 0% APR on purchases on this card made in the first 18 months.
- No annual fee
This card has a shorter introductory period for balance transfers, but offers additional day-to-day perks, such as cash back.
How it works: This card offers a 15-month introductory 0% APR on balance transfers. The balance transfer fee is $5 or 3% of the balance, whichever is greater.
Note: After that introductory period, your interest rate will jump up. So remember, the goal is to have no balance or a small balance by the end of 15 months.
- Pay 0% APR on purchases for the first 15 months that you have an account with this card.
- Get 15,000 bonus points if you spend $1,000 within the first three months of opening your account — good for shopping at Citibank’s shopping portal.
- No annual fee
Wells Fargo Cash Wise Visa
This card combines a solid balance transfer offer with a nice cash-back program and other perks that might be up your alley.
How it works: The Wells Fargo Cash Wise card also offers a 0% APR for an introductory period of 15 months (that would be until the last week of July 2021 if you were approved today). If you make that balance transfer within the first 120 days, the transfer fee is just 3%. (After that, the charge is 5%.)
Note: After that introductory period, your interest rate will jump up. So remember, the goal is to have no balance or a small balance by the end of the 15-month introductory period.
- Rack up at least 1.5% in cash rewards on all purchases.
- Earn 1.8% cash back on qualified purchases made in the first 12 months using a “digital wallet” tool like Apple Pay® or Google Pay™.
- No annual fee
Whatever you need in a credit card — whether it’s reward points, cash back, a balance transfer or a low interest rate — you can find it with our credit card search tool. Click here to search for the plastic that best fits your needs.
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