BankAmericard

The BankAmericard is a debt-payoff tool and nothing else: 21 months of 0% intro APR on both purchases and balance transfers, with no annual fee. That is among the longest interest-free runways available, and it is why the card sits at number two with our Best Value badge on the best 0% APR list. After the intro window the rate lands between 14.99% and 25.99%, and the low end of that range is unusually mild for this class of card, which softens the landing if your payoff runs long. Be clear about the tradeoff: this card earns no rewards at all, so there is no reason to keep spending on it once the promotional period closes, and it charges foreign transaction fees on top. Open it with a payoff schedule, execute the schedule, and then let it sit.