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If you're planning on making a large purchase, use the card with a long 0% APR period on purchases to avoid interest payments.

The Wells Fargo Reflect® Card, for example, offers a lengthy interest-free period, which can make it less costly to pay off large purchases or to pay down debt transferred from a high-interest card. New cardholders get 0% intro APR for 21 months from account opening, and then the ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR.

That's one of the longest 0% intro APR periods for purchases and balance transfers among similar cards on the market.

Another good option is the Discover it® Miles. The card comes with a good 0% intro APR offer for 15 months on purchases and balance transfers (18.24% - 28.24% Variable APR after that). As a bonus, Discover will match all the miles you earn in the first year, with no cap. In other words, you'll earn a respectable 3x miles on all purchases in the first year.

Kindly note that it's better to pay your balance off in full before the promotional period ends. Once the promotional period is over, you'll start accruing interest on any unpaid balances. That includes balances that you charged or transferred to the credit card during the promotional APR period, not just new charges.

As an alternative, you might want to consider personal loans. You can choose the duration of the loan and request a specific amount (or a little more). The amount of the loan and interest rates are negotiable, while it depends on the bank which credit limit will be approved for a credit card.