BankAmericard

Twenty-one months of 0% intro APR on both purchases and balance transfers, with no annual fee, is about as long a runway as this market offers, and it is why the card sits at #2 with a Best Value badge on our Best 0% APR list. If your goal is paying down existing debt or spreading a large purchase across nearly two years, that window does the job and the go-to rate afterward, 14.99% to 25.99%, starts lower than most competitors. Be clear about what you are getting, though: this card earns no rewards of any kind, so there is no cash back or points to keep it useful once the intro period closes. It also charges foreign transaction fees, so it is not a card for travel. Open it with a payoff date in mind, execute the plan, and expect to park it afterward.