Citi Simplicity

The Simplicity is a straightforward debt paydown card: 18 months of 0% intro APR on both purchases and balance transfers, with no annual fee. Having the same window on both sides is genuinely useful if you are consolidating a balance and also need to float a purchase, and it is enough to put the card at #4 on our Best 0% APR Credit Cards list. The tradeoff is that it earns nothing at all, so there is no cash back or points to keep it in rotation once the promo ends. It also charges foreign transaction fees, which rules it out for travel spending. The regular APR runs 17.49% to 28.24% afterward, so build the payoff schedule around the 18 months rather than assuming you can stretch past it.