Citi Simplicity

The Simplicity is a pure financing card: 18 months of 0% intro APR on both purchases and balance transfers, with no annual fee. That runway is long enough to make a real dent in existing debt or spread out a large purchase. The catch is that there is nothing to keep it relevant afterward, since it earns no rewards and the regular APR runs 17.49% to 28.24%. It also charges a foreign transaction fee, so leave it home when you travel. Open it for the 0% window, pay the balance down on a schedule, and plan to use a rewards card for everyday spending.