Independent loan and credit card comparison for U.S. consumers
Filter by what you want the card to do, then line up rewards, fees and interest side by side.
Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026
The lowest ongoing APRs for balances you carry from month to month.
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Top match for your filters
Wells Fargo
Best for: financing a large purchase or paying down debt
A 21-month 0% intro APR on purchases and qualifying balance transfers, with no annual fee.
No rewards program. Intro offer: 0% for 21 mo purchases, 21 mo transfers.
Rewards cards generally expect good or excellent credit (690 and above). Secured cards and some student cards accept limited or no credit history. Approval also depends on income and existing debt.
A formal application triggers a hard inquiry, which can lower your score by a few points for a short time. Checking whether you prequalify usually uses a soft inquiry and has no effect.
It can be, if the rewards and credits you will actually use exceed the fee. Add up the yearly value of the benefits you would use and compare it with the fee before you apply.
For the promotional period, purchases or transferred balances accrue no interest. When it ends, any remaining balance is charged the card's regular APR, so plan to pay it off before then.