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If you’re using a card to finance purchases or dig out from a debt problem, focus on a card’s ongoing APR, its balance-transfer fee, and the length of the 0% interest period.

Best for carrying a balance (Fico score 720+)
Lake Michigan Credit Union Prime Platinum

If you're carrying a balance, you need a card with the lowest rate possible -- and the Prime Platinum's rate beats both rival cards and most personal loans. Full profile

BEST FOR carrying a balance (fico score below 720)
Your Local Credit Union

Getting approved for new cards is tough when you carry a balance and have a less-than-stellar credit score. Local options may give you a helping hand. Full profile

Chase Slate

If you have an existing balance and a plan to pay it off, Chase Slate has the longest period of 0% interest for a no-fee transfer. Full profile

BEST FOR financing a big purchase
Citi Simplicity

Need extra time to pay off a big purchase? The Citi Simplicity card gives you a long 0% interest period with minimal fees. Full profile