Intro APR: 0% on purchases and balance transfers for 15 months
APR: 13% to 22%
Annual Fee: $0
Balance-Transfer Fee: $0 if you transfer in the first two months, 3% after that
Why It’s a Winner: The combo of no balance-transfer fee (if you act fast) with a long no-interest window—which together make this a great card for folks trying to pay off debt.
Caveats: After the 0% period, the APR spikes to as high as 22%, so apply only with a plan to pay off the card in 15 months.