low APR credit cardThese days, it isn’t hard to find a low APR credit card offering a super long 0% intro APR — in fact, right now we review multiple credit cards offering a year and a half or more of 0% intro APR on purchases as well as balance transfers. Two cards in particular currently sit at the top of our list for the best low APR credit cards: the BankAmericard credit card and the Wells Fargo Platinum Visa Card. On the surface, these credit cards might seem nearly identical, but there are some key difference. That’s why we decided to pit them against one another to determine which one reigns supreme. How did they fare? Keep reading to find out.

Battle of the low APR credit cards

BankAmericard credit card

Intro APR: 0% intro APR for 18 billing cycles on purchases and a 0% intro APR for 18 billing cycles on balance transfers made within the first 60 days from account opening (after the 0% intro APRs expire, the rate is 14.99% to 24.99% variable).

Balance transfer fee: 3% of the transferred balance or $10, whichever is greater.

Annual fee: No annual fee.

Other fees: No penalty APR means your APR won’t increase in the event you make a late payment, but there are 3% foreign transaction fees for using the card overseas.

Perks: Access to online credit education as well as monthly FICO TransUnion credit scores for free.

Credit required: This card requires good to excellent credit for approval, which is typically a score of 700 or higher.

The BankAmericard credit card’s claim to fame is its super long 0% intro APR on purchases as well as balance transfers, and cardholders will appreciate no annual fee or penalty APR. Some may not like the sound of the 3% balance transfer fee ($10 minimum), but it’s worth it when compared to what you save in the long run by transferring your high-interest balance to a card that charges no interest for 1.5 years. The card’s $0 annual fee and no penalty APR are appealing and while it charges foreign transaction fees, it’s probably not a big deal for most cardholders. The monthly FICO scores and credit education will help you keep an eye on your credit. That said, anyone looking for a bunch of extras with their card might be disappointed.

Wells Fargo Platinum Visa Card

Intro APR: 18 months of 0% intro APR on purchases and on balance transfers made in the first 120 days.

Balance transfer fee: 3% intro balance transfer fee for the first 18 months, then it’s 5%.

Annual fee: No annual fee.

Other fees: You will have to pay a 3% fee on foreign transactions, and there is no APR forgiveness for late payments.

Perks: Mobile phone protection of up to $600 against covered damage and theft, free monthly FICO credit scores and a host of convenient online tools to help you track and manage your spending.

Credit required: Like its competitor, this card requires good to excellent credit for approval (usually considered a credit score of 700 or higher).

On the surface, the 0% intro APR offered by Wells Fargo Platinum Visa Card might seem no different from that offered by BankAmericard credit card, but the key difference is that new cardholders have twice as long from account opening to transfer their balance and take advantage of the 0% intro APR on balance transfers. While it may not waive penalty APR, the Wells Fargo Platinum Visa Card offers its customers a few more extras that are sure to please, such as mobile phone protection of up to $600/claim (with a $25 deductible, 2 claims maximum per year) that safeguards against covered theft or damage when you pay your monthly bill with your credit card. In a similar vein to its competition, cardholders also get free monthly FICO credit scores and a host of convenient online tools to with spending management.

Who comes out on top?

Ultimately, both cards offer more or less the same thing when it comes to a long, low intro APR and have similar credit requirements for approval. However, the longer 120-day time period to transfer your balance with the Wells Fargo Platinum Visa Card is something we’re sure will appeal to balance transfer seekers more than the 60 days offered by the BankAmericard credit card. Add to that the mobile phone protection that the Wells Fargo Platinum Visa Card provides, and it’s clear which low APR credit card is the optimal choice for someone who is torn between the two — whether they’re looking to transfer a balance or just want a card with a long 0% intro APR on purchases. All that said, it’s worth noting that the BankAmericard credit card offers a lower ongoing APR after the 0% period, especially to those with excellent credit.

Neither of these cards striking your fancy? Read our full list of the top low APR credit cards to find one that does.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.