Jaspreet's Top Credit Card Picks:
Enjoy 0% Intro APR, Premium Travel Perks & More

Imagine getting 21 months from account opening with an intro 0% APR on qualifying balance transfers or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect^® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers (then, an APR of 17.24%, 23.74%, or 28.99% Variable applies). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases; then, an APR of 17.24%, 23.74%, or 28.99% Variable applies.

The best part? There's no annual fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Click here to apply for the Wells Fargo Reflect^® Card now.

With the Discover it^® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers until 2026 while earning cashback rewards!

Enjoy over a year sans interest thanks to a 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR. This is a great time period to pay down credit card debt or help finance a large purchase without adding interest charges. 

Even better, you can earn a 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, you'll earn 1% cash back on all other purchases automatically.

New cardholders can also enjoy a fantastic welcome offer: Discover will match all the cash back you’ve earned at the end of your first year. That's double the cash back on purchases while enjoying no interest until 2026.

Annual Fee: $0

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Click here to apply for the Discover it^® Cash Back now.

Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited^®(Rates and fees)!

With an extended 0% intro APR period on purchases and balance transfers for the first 15 months, you can take a break from paying interest until August 2026 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 18.99% - 28.49% Variable.

And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

The Platinum Card^® from American Express is a fantastic choice if you want access to the most luxurious airport lounges out there. With this card, you'll gain access to 1,400+ airport lounges in 140+ countries through the American Express Global Lounge Collection (for eligible Card Members).

Lounge details: Like other cards, The Platinum Card® from American Express gives you unlimited complimentary access to 1,300+ Priority Pass Select Lounges and Plaza Premium Lounges. But this card stands out because of the luxurious lounges you can also access, including the American Express Centurion® Lounges, Delta Sky Club® lounges (when flying an eligible Delta flight), Escape Lounges, and more. As a bonus, you can sidestep the airport lines when you enroll in a CLEAR® Plus membership and get up to $199 in annual credits to reimburse the cost.

Welcome offer: Earn 80,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months.

Estimated $2,220¹ <p class="">These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p> year one value that can help offset the annual fee of $695 See rates and fees: Enjoy a welcome offer of 80,000 Membership Rewards points, up to a $200 annual airline fee credit, up to a $200 annual Uber Cash credit, up to a $120 credit for Global Entry every 4.5 years or TSA PreCheck® every 4 years, and more.

The Chase Sapphire Reserve^®(Rates and fees) is one of the top premium travel cards on the market for many reasons — one of them being access to over 1,300 VIP lounges in airports nationwide, with a complimentary Priority Pass Select membership. 

It gets better — cardholders earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening! Plus, receive additional perks including a $300 annual travel credit, reimbursement for TSA PreCheck® or Global Entry, and more — which could easily offset the $550 annual fee. 

• Access to 1,300+ VIP Lounges with a complimentary Priority Pass Select membership
• Reimbursement for TSA PreCheck or Global Entry
• $300 annual travel credit

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Excellent

740-850

Click here to apply for the Chase Sapphire Reserve^®

There are a lot of reasons the Chase Sapphire Preferred^® Card(Rates and fees) is considered one of the leading travel cards available, but the current welcome offer makes it a must-have for any traveler.

New cardholders can earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That huge welcome offer is worth $750 when redeemed for travel through Chase Travel℠.

Plus, you can turn all your spending into even more rewards that you can use for a much-needed vacation. Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

The Chase Sapphire Preferred^® Card offers other amazing ongoing benefits including baggage delay insurance, trip cancellation/interruption insurance, and primary auto rental collision damage waiver.

Annual fee: $95

Click here to apply for the Chase Sapphire Preferred^® Card now.

The Ink Business Unlimited^® Credit Card(Rates and fees) is ideal for business owners who are looking for a simple business card with no annual fee and easy ways to earn rewards.

This straightforward card will earn you unlimited 1.5% cash back on every purchase. You can benefit from uncomplicated cash back rewards or redeem rewards for travel, gift cards, and more. Another card perk is a massive welcome offer: new cardholders can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

If you have big business purchases pending, this cashback card might be the ideal choice — 0% intro APR for new purchases means you won’t have to worry about paying interest for 12 months after account opening then 17.49% - 23.49% Variable.

Annual Fee: $0

Click here to apply for the Ink Business Unlimited^® Credit Card now.

2% cash back on every purchase, everywhere — incredible. The Capital One Spark Cash(Rates and fees) is pretty much a no-brainer for your small business ... if you want to earn powerful cash back without doing much work at all. Plus, enjoy a $95 (waived first year) annual fee! Nice. 

Use the 2% cash back you can earn with this card to essentially cover nearly any purchase for your small business. Supplies and equipment, flights, hotels, subscriptions and services. Plus nearly anything else you can think of. With this powerful card, you'll be racking up tons of cash back on the daily! 

Bonus: You can earn a $750 bonus after spending $7,500 in the 3 months from account opening. 

With cash rewards and a low annual fee, the Capital One Spark Cash almost certainly deserves a place in your wallet. 

Regular APR: 25.24% (Variable).

Click here to apply for the Capital One Spark Cash now

The Business Platinum Card^® from American Express is a premium business rewards card that is a great fit for frequent travelers.

Card holders can earn a whopping 5X points on flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com, as well as 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X), and 1X points on all other eligible purchases (terms apply).

You can also get access to VIP travel perks, such as Centurion Lounge access, statement credits to cover a Global Entry, TSA PreCheck, or CLEAR Plus membership, exclusive perks at fine hotels and resorts, and more (select benefits may require enrollment).

Even better is the generous welcome offer – Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership; plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership (you can earn one or both of these offers; limited time travel offer ends 6/30/25).

While the annual fee is high, if you travel often, the added perks and ability to redeem your rewards for a 35% point return when you use points to book eligible flights through American Express Travel (up to 1,000,000 points back per calendar year) could make it worth the price. 

Click here to apply for The Business Platinum Card^® from American Express now.