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Fernando Volken Togni

Chase Slate

Intro APR: 0% on purchases and balance transfers for 15 months

APR: 13% to 22%

Annual Fee: $0

Balance-Transfer Fee: $0 if you transfer in the first two months, 3% after that

Why It’s a Winner: The combo of no balance-transfer fee (if you act fast) with a long no-­interest window—which ­together make this a great card for folks trying to pay off debt.

Caveats: After the 0% period, the APR spikes to as high as 22%, so apply only with a plan to pay off the card in 15 months.