Stop paying 20%+ interest on existing debt. These cards offer 0% APR for up to 21 months, giving you time to pay down balances interest-free.
· Updated March 2025
Our methodology looks beyond the headline rate to find the cards that actually deliver the most value over time.
We calculate your likely annual earnings based on average US household spending patterns across all categories.
Annual rewards minus the annual fee. A card charging $95 must earn at least $95 more than a free alternative to be worth it.
We favor cards that let you redeem easily — statement credits, bank deposits, or checks — without points expiring or complex portals.
We consider whether the issuer has a history of cutting rewards, devaluing points, or adding unexpected fees.