Based on NerdWallet’s estimate of the average credit card interest rate, the average household debt, and the total interest paid on the balance over 18 months. Savings estimate assumes total debt balance is repaid within 0% intro APR period.
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Wells Fargo Active Cash® Card: Best for High Flat Rate Cash Back + Incentives
Wells Fargo Reflect® Card: Best for Long 0% period for transfers and purchases
Citi® Diamond Preferred® Card: Best for Long 0% Interest Periods for Balance Transfers
Citi Simplicity® Card: Best for Long 0% Period and No Late Fees
Citi Double Cash® Card: Best for Flat Rate Cash Back
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Excellent for High Flat Rate Cash Back + Incentives | $0 | 0% intro APR on Purchases for 12 months from account opening and 0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers | 19.74%, 24.74%, or 29.74% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website | |
Excellent for Long 0% period for transfers and purchases | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 17.74%, 24.24%, or 29.49% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website | |
Excellent for Long 0% Interest Periods for Balance Transfers | $0 | 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months | 17.74%-28.49% Variable APR | Apply Now on Citibank's application on Citibank's application | |
Excellent for Long 0% Period and No Late Fees | $0 | 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months | 18.74%-29.49% Variable APR | Apply Now on Citibank's application on Citibank's application | |
Excellent for Flat Rate Cash Back | $0 | 0% intro APR on balance transfers for 18 months | 18.74%-28.74% Variable APR | Apply Now on Citibank's application on Citibank's application |
Excellent for: High Flat Rate Cash Back + Incentives
Excellent for: Long 0% period for transfers and purchases
Excellent for: Long 0% Interest Periods for Balance Transfers
Excellent for: Long 0% Period and No Late Fees
Excellent for: Flat Rate Cash Back