While the Chase Slate Edge gives you 18 months with 0% intro APR on balance transfers (16.49% to 25.24% variable thereafter). The same intro periods apply for qualifying balance transfer offers on both cards, too. Introductory 0% APR on Qualifying Balance Transfers To qualify for the additional three months with 0% APR, you must pay on time and make at least the minimum payment during the 18-month offer and the extension period. After that, there’s a 15.24% to 27.24 variable APR. While the Chase Slate Edge extends one of the longest intro offers currently available, for 18 months at 0% APR on new purchases then a 16.49% to 25.24% variable APR, the Wells Fargo Reflect wins out here.Īfter the same 18 month initial intro period, you can secure zero interest for up to 21 months with the Reflect card. Intro 3% balance transfer fee (minimum $5) for the first 120 daysĪfter that, a 5% balance transfer fee (minimum $5) appliesģ% balance transfer fee (minimum $5) for transfers made within 60 days of account opening Qualify for up to 21 months from account opening with 0% intro APR on qualifying balance transfers - start with 18 months then unlock three additional months when you make at least the minimum payment during the 18-month intro and the extension periodĠ% APR on balance transfers for 18 months Up to 21 months from account opening 0% intro APR on purchases - start with 18 months then unlock three additional months when you make at least the minimum payment during the 18-month offer and the extension period Here’s how these cards stack up, and how to make the most of their introductory offers, variable APRs, balance transfer fees and more. The lengthy intro periods these cards offer can be a valuable tool if you need to consolidate debt or pay down large purchases over time. Two card options are both among our top picks for the best 0% APR cards for purchases and qualifying balance transfers: the Wells Fargo Reflect® Card and the Chase Slate Edge℠. Over the past several months, credit cards that offer long 0% APR periods on new purchases and balance transfers have made a resurgence, after all but disappearing during the pandemic. With three extra months at an intro 0% APR, you’ll have the potential to save much more in potential interest payments. a maximum 18 months with the Chase Slate Edge (16.49 to 25.24% variable APR thereafter). (15.24% to 27.24 variable APR thereafter) vs. However, the Wells Fargo Reflect inches ahead with low interest for up to 21 months as long as you make on-time payments during the intro and extension periods. It’s hard to beat either the Wells Fargo Reflect or the Chase Slate Edge for an intro 0% APR credit card for both purchases and qualifying balance transfers.
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