Why you'll love it: This card offers a solid introductory APR on purchases and balance transfers, and it also earns you valuable American Express points.
If you're working to pay down a large credit card balance, earning points or miles shouldn't be your priority. The value of the rewards you earn will be dwarfed by any interest charges you incur.
But if you're able to pay off your balance during the 0% intro APR period, the Amex EveryDay card provides a nice opportunity to earn Amex points that can be transferred to travel partners like Delta and Marriott.
The EveryDay card has no annual fee, and it has an intro offer of 0% APR on purchases and balance transfers for the first 15 months. There's no fee for balance transfers, but just note that they must be completed in the first 60 days after account opening.
After 15 months, the APR is a variable rate of 15.24% to 26.24%.
The EveryDay card earns 2x points at U.S. supermarkets on up to $6,000 per year (then 1x) and 1 point per dollar on everything else. If you make at least 20 purchases in a billing period, you'll get a 20% points bonus, too.
Pros: Earns Amex points, no annual fee, solid intro APR offer with no fee for balance transfers
Cons: Rewards could entice you to spend more
Click here to learn more about the Amex EveryDay card.