Low-Interest Strategists
Category: 🔄 Balance Transfer
Points: 🏆 290
Annual Fee: $0.00
Description
A combo of two "giants" in the zero-interest period niche:
- Citi Simplicity: Up to 21 months at 0% on BT, no penalty APR, no annual fee.
- Wells Fargo Reflect: Up to 21 months (with on-time payments) at 0% on BT and purchases, cell phone protection, no annual fee.
Because the main focus is on saving interest rather than earning cashback, users can comfortably move their debt around and pay less interest.
User Profile Description
"Low-Interest Strategists" are those with a specific goal of cutting interest payments. For instance, you might have an existing balance you want to consolidate onto a 0% APR card, or you plan a big purchase (home renovation, wedding, new electronics) and want to pay it off interest-free. Chasing cashback doesn't make sense here-the main benefit is from no interest charges or penalties.
Rewards Calculator
Use the slider to estimate your monthly expenses and see how much you can earn in rewards. Please note that the data is approximate.
