If you’re looking for a credit card with a 0% intro APR on purchases and balance transfers, as well as no balance transfer fee, and if you qualify for membership in Wings Financial Credit Union, the Wings Visa Platinum Credit Card is worth considering. Plus, the regular APR of 8.40% - 18% (variable) is relatively low.

However, if you need a longer 0% intro APR or don’t meet eligibility requirements to join Wings Financial Credit Union, there are other credit cards you might want to consider. We’ll help you evaluate your options.

• Intro APRs on purchases and balance transfers

  The Wings Visa Platinum Credit Card offers an intro APR of 0% for 12 months on purchases; after this time, a 8.40% - 18% (variable) APR applies. There’s also an intro APR of 0% for 12 months on balance transfers, after which a 8.40% - 18% (variable) APR applies.

• Low interest rate after the intro periods end

  This card’s regular purchase APR is 8.40% - 18% (variable). In a world where many credit cards have APRs near or exceeding 20%, that’s quite reasonable, especially if you qualify for the low-end of the APR range.

• No balance transfer fee

  Many credit cards charge a balance transfer fee in the range of 3% to 5% of the amount transferred. This can add up — for example, transferring $5,000 to a card with a 3% balance transfer fee would cost you $150. With a 5% fee, it would cost $250. Cards with no balance transfer fee are rare, which is why the Wings Visa Platinum Credit Card stands out with a balance transfer fee of $0.

• No annual fee

  When you’re trying to get out of debt with a 0% intro APR, the last thing you want to deal with is a credit card that charges an annual fee. Luckily, the Wings Visa Platinum Credit Card charges $0 a year.

• No foreign transaction fee

  Take the Wings Visa Platinum Credit Card abroad with you and have peace of mind, thanks to this card’s $0 foreign transaction fee.

• Other cards may have longer intro APRs

  While a year of no interest on purchases and balance transfers is a solid introductory APR deal, it’s possible to find credit cards with 0% intro APRs of 18 months — or even 21 months.

• You must join a credit union for this card

  The Wings Financial Credit Union serves consumers with ties to the aviation industry. The credit union details its membership requirements as follows:

  “If you or an immediate family member are employees of airlines, government agencies working with the aviation industry or work at an airport directly with air freight, air courier or air transportation — you qualify.”

  In addition, if an immediate family member is already a member of the credit union or is a Wings Financial Foundation member, you can join the credit union through them.

  Finally, you can also qualify if you live or work in any of the following areas:

  • An eligible county in Minnesota or Wisconsin
  • The Seattle-Tacoma metro area of Washington state
  • The Orlando, Florida, metro area
  • The Detroit metro area
  • The Atlanta metro area

  If you don’t meet any of the criteria above, Wings Financial Credit Union membership  — and thus the opportunity to get the Wings Visa Platinum Credit Card — will be out of your reach.

• There's no cash back or points program

  Some credit cards have 0% intro APR deals and a cash back or points program that gives consumers a reason to use the card after paying down the initial debt. However, the Wings Visa Platinum Credit Card doesn’t offer any rewards.

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Wells Fargo Reflect® Card

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Rates & Fees

Wells Fargo Reflect® Card

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Intro Purchase APR 0% intro APR up to 21 months from account opening

Regular Purchase APR 15.24% - 27.24% variable APR

Annual Fee $0

Rewards Rate None

Highlights

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
• $0 Annual Fee
• Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
• Select “Apply Now” to learn more about the product features, terms and conditions

Typical Credit Needed

660 850

Show Detailsfor Citi Double Cash Card

The Wells Fargo Reflect® Card offers intro APR periods almost twice as long as what the Wings Visa Platinum Credit Card has — plus, you don’t have to meet credit union eligibility requirements.

On purchases, a Wells Fargo Reflect® Card cardholder can get a 0% intro APR up to 21 months from account opening — after, a 15.24% - 27.24% variable APR applies.

There’s also a 0% intro APR up to 21 months from account opening on qualifying balance transfers; after, a 15.24% - 27.24% variable APR applies. Unlike the Wings Visa Platinum Credit Card, however, the Wells Fargo Reflect® Card has a balance transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5.

The way the intro APR periods work on the Wells Fargo Reflect® Card is that cardholders are initially granted a 0% intro APR on purchases and balance transfers for 18 months. By making on-time minimum payments, there’s an opportunity to earn an extension of up to three additional months.

You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.

Something to be aware of before applying for the Wells Fargo Reflect® Card is that you might not be eligible for the intro APRs if you’ve opened any other Wells Fargo credit card in the past 15 months. And if you’ve opened one in the past six months, you might be declined for the Wells Fargo Reflect® Card entirely.

The information related to the Navy Federal Platinum Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

The Wings Visa Platinum Credit Card comes with solid 0% intro APRs on purchases and balance transfers, as well as an exceptional $0 balance transfer fee. If you need to transfer debt from a high-interest credit card, and you qualify for membership in Wings Financial Credit Union, this card should be high on your list.

However, if you need a longer time to pay off your balance, or if you can’t meet the credit union’s eligibility requirements, consider the Wells Fargo Reflect® Card instead. It charges a balance transfer fee, but it offers an outstanding 0% intro APR window on purchases and balance transfers for almost two years.

If you’re just focused on finding the best balance transfer card, check out our list of the Best Balance Transfer Cards of 2022.