Citi Simplicity

Simplicity is a debt payoff tool first: 18 months of 0% intro APR on both purchases and balance transfers with no annual fee, which is enough runway to clear a meaningful balance if you actually plan the payments. That combination earns it the fifth spot on our best 0% APR list. The tradeoff is that the card earns nothing at all, no cash back and no points, so there is no reason to keep spending on it once the intro window closes. Rates then reset into a 17.49% to 28.24% range depending on your credit, which is exactly what you opened the card to avoid. It also charges foreign transaction fees, so keep it out of your travel wallet and use it for what it is: a fixed window to get out from under interest.