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All-in-all, Discover it is the perfect combination of a 0% intro APR and lucrative cash back rewards, and you only need average or better credit to qualify. department stores like JCP, Kohls and Macy’s, and 1% back on all other purchases.

It also provides cardholders with free monthly access to their Experian FICO score.

Bank Americard Credit Card This card is another great fit for anyone who doesn’t want to pay to transfer their credit card balance.

Also, the Wells Fargo Cash Wise Visa Card’s rewards make the card worth keeping in your wallet long after the 0% intro APR period runs out.

What’s more, when you spend $1,000 on purchases in the first 3 months, you’ll get a $200 cash rewards bonus, and if you use a mobile wallet, like Apple Pay or Android Pay, you’ll be able to earn 1.8% cash back on mobile wallet purchases for the first 12 months.

A big card bonus is that you’ll also enjoy mobile phone protection if you pay your phone bill with this card, reimbursing you up to $600 if your phone is stolen or damaged (there is a $25 deductible and a max of 2 claims annually).

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There is a $25 deductible for this protection, but it’s likely this one-time fee is less expensive than any coverage you’d receive from your cell phone provider.Other perks of the card include no penalty APR and monthly access to your FICO score for free.Wells Fargo Platinum Visa Card If you want to protect your mobile phone, take advantage of long 0% intro APRs, and pay no annual fee, the Wells Fargo Platinum Visa Card is for you.Did you know there’s a way to avoid paying interest?0% intro APR credit cards can save you a ton of money because they don’t charge any interest for the term of the card’s 0% intro APR period, which means they can help you pay down (or off) your balance as well as save you some dough on new purchases.Discover it – Cashback Match cardholders will also pay no foreign transaction fees and get a number of added perks, as noted above.