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If you’re looking for a credit card with an interest-free period on purchases and balance transfers, as well as a Either $10 or 3% of the amount of each balance transfer, whichever is greater balance transfer fee, and if you qualify for membership in Wings Financial Credit Union, the Wings Visa Platinum Credit Card is worth considering. Plus, the regular APR of 12.90% to 18.00% variable APR is relatively low.
However, if you need a longer 0% intro APR or don’t meet eligibility requirements to join Wings Financial Credit Union, there are other credit cards you might want to consider. We’ll help you evaluate your options.
Intro Purchase APR
N/A
Regular Purchase APR
12.90% to 18.00% variable APR
Intro BT APR
N/A
Regular BT APR
12.90% to 18.00% variable APR
Annual Fee
$0
Cash Advance Fee
Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
$0
Balance Transfer Fee
Either $10 or 3% of the amount of each balance transfer, whichever is greater
Intro APRs on purchases and balance transfers
The Wings Visa Platinum Credit Card offers an intro APR of N/A; after this time, a 12.90% to 18.00% variable APR APR applies. There’s also an intro APR of N/A, after which a 12.90% to 18.00% variable APR APR applies.
Low interest rate after the intro periods end
This card’s regular purchase APR is 12.90% to 18.00% variable APR. In a world where many credit cards have APRs near or exceeding 20%, that’s quite reasonable, especially if you qualify for the low-end of the APR range.
No balance transfer fee
Many credit cards charge a balance transfer fee in the range of 3% to 5% of the amount transferred. This can add up — for example, transferring $5,000 to a card with a 3% balance transfer fee would cost you $150. With a 5% fee, it would cost $250. Cards with no balance transfer fee are rare, which is why the Wings Visa Platinum Credit Card stands out with a balance transfer fee of $0.
No annual fee
When you’re trying to get out of debt with a 0% intro APR, the last thing you want to deal with is a credit card that charges an annual fee. Luckily, the Wings Visa Platinum Credit Card charges $0 a year.
No foreign transaction fee
Take the Wings Visa Platinum Credit Card abroad with you and have peace of mind, thanks to this card’s $0 foreign transaction fee.
Other cards may have longer intro APRs
While a year of no interest on purchases and balance transfers is a solid introductory APR deal, it’s possible to find credit cards with 0% intro APRs of 18 months — or even 21 months.
You must join a credit union for this card
The Wings Financial Credit Union serves consumers with ties to the aviation industry. The credit union details its membership requirements as follows:
“If you or an immediate family member are employees of airlines, government agencies working with the aviation industry or work at an airport directly with air freight, air courier or air transportation — you qualify.”
In addition, if an immediate family member is already a member of the credit union or is a Wings Financial Foundation member, you can join the credit union through them.
Finally, you can also qualify if you live or work in any of the following areas:
If you don’t meet any of the criteria above, Wings Financial Credit Union membership — and thus the opportunity to get the Wings Visa Platinum Credit Card — will be out of your reach.
There's no cash back or points program
Some credit cards have 0% intro APR deals and a cash back or points program that gives consumers a reason to use the card after paying down the initial debt. However, the Wings Visa Platinum Credit Card doesn’t offer any rewards.
The Wells Fargo Reflect® Card offers intro APR periods almost twice as long as what the Wings Visa Platinum Credit Card has — plus, you don’t have to meet credit union eligibility requirements.
On purchases, a Wells Fargo Reflect® Card cardholder can get a 0% intro APR for 21 months from account opening — after, a 17.49%, 23.99%, or 29.24% Variable APR applies.
There’s also a 0% intro APR for 21 months from account opening on qualifying balance transfers; after, a 17.49%, 23.99%, or 29.24% Variable APR applies. Unlike the Wings Visa Platinum Credit Card, however, the Wells Fargo Reflect® Card has a balance transfer fee: 5%, min: $5.
You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.
Something to be aware of before applying for the Wells Fargo Reflect® Card is that you might not be eligible for the intro APRs if you’ve opened any other Wells Fargo credit card in the past 15 months. And if you’ve opened one in the past six months, you might be declined for the Wells Fargo Reflect® Card entirely.
| Credit Cards | Our Ratings | Intro Purchase APR | Regular APR | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|---|---|---|---|
|
Wings Visa Platinum Credit Card*
|
N/A | 12.90% to 18.00% variable APR | N/A | 12.90% to 18.00% variable APR | Either $10 or 3% of the amount of each balance transfer, whichever is greater | N/A | $0 | ||
Wells Fargo Reflect® Card*
|
0% intro APR for 21 months from account opening | 17.49%, 23.99%, or 29.24% Variable APR | 0% intro APR for 21 months from account opening on qualifying balance transfers | 17.49%, 23.99%, or 29.24% Variable APR | 5%, min: $5 | None | $0 | ||
Navy Federal Platinum Credit Card*
|
N/A | 11.49% to 18.00% (variable) | 0.99% introductory APR for 12 months for balance transfers requested within 60 days of account opening | 11.49% to 18.00% (variable) | $0 | N/A | $0 | ||
Citi Double Cash® Card*
|
N/A | 18.49% - 28.49% (Variable) | 0% intro APR for 18 months on Balance Transfers | 18.49% - 28.49% (Variable) | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. | $0 |
The information related to the Navy Federal Platinum Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
The Wings Visa Platinum Credit Card comes with solid 0% intro APRs on purchases and balance transfers, as well as an exceptional Either $10 or 3% of the amount of each balance transfer, whichever is greater balance transfer fee. If you need to transfer debt from a high-interest credit card, and you qualify for membership in Wings Financial Credit Union, this card should be high on your list.
However, if you need a longer time to pay off your balance, or if you can’t meet the credit union’s eligibility requirements, consider the Wells Fargo Reflect® Card instead. It charges a balance transfer fee, but it offers an outstanding 0% intro APR window on purchases and balance transfers for almost two years.
If you’re just focused on finding the best balance transfer card, check out our list of the Best Balance Transfer Cards of 2024.
The information related to the Wings Visa Platinum Credit Card, Wells Fargo Reflect® Card, Navy Federal Platinum Credit Card and Citi Double Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
