Cardinate, credit card tracker and debt payoff planner
Card directory

Every 0% APR window, one place.

Promo APR length, balance transfer fees, regular APR, and a payoff strategy for the most-used credit cards in the U.S.

Chase · Cash Back

Chase Freedom Unlimited

Chase
Chase Freedom Unlimited
0% purchases
15 months
0% transfers
15 months
Transfer fee
3% intro, then 5%
Annual fee
$0
Citi · Balance Transfer

Citi Double Cash

Citi
Citi Double Cash
0% purchases
None
0% transfers
18 months
Transfer fee
3% intro, then 5%
Annual fee
$0
Citi · Balance Transfer

Citi Simplicity

Citi
Citi Simplicity
0% purchases
18 months
0% transfers
18 months
Transfer fee
3% intro, then 5%
Annual fee
$0
Discover · Cash Back

Discover it Cash Back

Discover
Discover it Cash Back
0% purchases
15 months
0% transfers
15 months
Transfer fee
3% intro, then 5%
Annual fee
$0
Wells Fargo · Low APR

Wells Fargo Reflect

Wells Fargo
Wells Fargo Reflect
0% purchases
21 months
0% transfers
21 months
Transfer fee
5% (min $5)
Annual fee
$0
Bank of America · Cash Back

Bank of America Customized Cash Rewards

Bank of America
Bank of America Customized Cash Rewards
0% purchases
15 billing cycles
0% transfers
15 billing cycles
Transfer fee
3% intro, then 5%
Annual fee
$0
U.S. Bank · Low APR

U.S. Bank Shield Visa

U.S. Bank
U.S. Bank Shield Visa
0% purchases
21 billing cycles
0% transfers
21 billing cycles
Transfer fee
5% (min $5)
Annual fee
$0
By category
Cash BackTravelBalance TransferLow APR
Cardinate · Pro

Track every promo deadline automatically.

Cardinate watches every 0% APR window in your wallet, sends a heads-up before each one ends, and recalculates the payment needed to land at zero.

Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.

Keep exploring

Promo APR tracker

Track every 0% APR deadline and the payment needed to clear it.

Balance transfer calculator

See if moving a balance to a 0% transfer card is worth the fee.

Payoff calculator

Model what happens after the promo ends.

FAQ

Frequently asked questions

A promotional period, typically 12 to 21 months, when a card charges no interest on new purchases, balance transfers, or both. When it ends, the regular APR applies to any remaining balance.

Each card's terms are checked against the issuer's own site, and its page shows the date. Issuers change intro offers often, so confirm the current offer on the issuer's site before applying.

Match the offer to the job. Paying down existing debt? Pick the longest 0% balance transfer window with the lowest transfer fee. Financing a planned purchase? Pick the longest 0% purchase APR.

Whatever balance is left starts accruing interest at the regular APR going forward. Some cards charge deferred interest retroactively, so read the offer terms.