Truist Future

The Future is a straightforward debt card: 0% intro APR for 15 months on both purchases and balance transfers, with no annual fee and no foreign transaction fee. That gives you a little over a year to pay down a balance or spread out a large purchase before the regular 16.74% to 25.74% APR kicks in. Be clear about what you're getting, though: this card earns no rewards at all, so there is no cash back or points to justify keeping it in rotation afterward. Fifteen months is also on the shorter side, since several competing balance-transfer cards run 18 to 21 months. Open it if the 0% window matches your payoff timeline, and plan on it going quiet once that window closes.