Discover it® Chrome Gas & Restaurants photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.99-24.99%

Variable

for 14 Balance transfer intro apr duration mos

$140.45

Card Details
Earn 2% Cash Back at gas and restaurants on up to $1,000 in combined purchases each quarter.
Plus, 1% cash back on all other purchases. Terms Apply.
No annual fee.
No penalty APR.
Only Discover automatically matches a dollar-for-dollar of all the cash back you've earned at the end of your first year. Terms Apply.
No cash back expiration. Redeem your rewards in any amount, at any time.
Free monthly access to FICO® Score.
Freeze it® on/off switch option for your account protection.
Fraud monitoring and protection.

Pros
High Cash Back rate
No Annual Fee
No Penalty APR
0% purchase intro APR
FICO® Credit Score for free

Cons
Good to excellent credit score required
No signup bonus

Apply

This card earns Memership Rewards Points (American Express program) See transfer options

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.74-25.74%

Variable

for 15 Balance transfer intro apr duration mos

$201.71

Card Details
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
No annual fee. 0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 14.74% - 25.74%, based on your creditworthiness and other factors.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.

Pros
Generous signup bonus
No annual fee
High rate for rewards
0% on Purchases and Balance Transfers for 15 months

Cons
Good to excellent credit score required

SunTrust Travel Rewards Credit Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.24-23.24%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
$250 Statement Credit after you spend $3,000 on qualifying purchases in the first three months after account opening.
3% Unlimited Cash Back on travel qualifying purchases.
2% Unlimited Cash Back on dining qualifying purchases.
1% Unlimited Cash Back on all other qualifying purchases—all the time.
Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck.
No foreign transaction fees.
$0 Intro Annual fee for the first year, $89 thereafter.
0% intro APR on balance transfers for 15 months after account opening.

Pros
3% cash back
Generous signup bonus
No foreign transaction fee
0% balance transfer intro APR
$0 Intro Annual fee for the first year

Cons
$89 annual fee

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.24-23.24%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months.
2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back.
1% Unlimited Cash Back on all other qualifying purchases.
0% intro APR on purchases and balance transfers for 15 months after account opening.
No annual fee.
No foreign transaction fees.

Pros
5% cash back
No annual fee
No foreign transaction fee

Cons
No signup bonus

Blue Cash Everyday® Card from American Express photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.74-25.74%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
No annual fee.
Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
Earn 1% Cash Back on other purchases. Terms and limitations apply.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
Travel and shopping benefits.

Pros
No annual fee
Generous signup bonus
Competitive cash back on groceries
Good cash back rate on gas

Cons
0% APR for purchases and balance transfer for 15 month, then a regular APR is applied

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.74-25.74%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the $250 back as a statement credit.
No annual fee.
Unlimited 1.5% Cash Back on your purchases.
0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
Car rental loss and damage insurance.
Travel and shopping benefits.

Pros
Unlimited 1.5% Cash Back
Generous signup bonus
No annual fee
0% purchase and balance transfer intro APR

Cons
Good to excellent credit score required
Has foreign transaction fees.

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.99-24.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
No Annual Fee.
Intro 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account.
$0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
No Penalty APR.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
No Annual Fee
Intro 0% APR for your first 15 billing cycles
No Penalty APR
Security & Benefits

Cons
No rewards available

Apply

This card earns ThankYou Points (not transferable)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.49-25.49%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
0% introductory APR for 15 months on balance transfers and purchases.
Earn 2 ThankYou® Points per $1 spent on dining out and entertainment, and 1 ThankYou® Point per $1 spent on all other purchases.
2,500 points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed from the ThankYou® Rewards collection.
Unlimited ThankYou® Points with no expiration.
No Annual Fee.
Travel & Purchase protection.

Pros
0% Intro APR for 12 months on balance transfers and purchases
No Annual Fee

Cons
Needs excellent credit

Our Take

Citi ThankYou® Preferred Card has no annual fee and is therefore a simpler card than its Citi siblings.

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn a $25 Barnes & Noble Gift Card after your first purchase.
Get 5% back on all Barnes & Noble purchases when you use your card at any Barnes & Noble store or online at bn.com.
Earn 2x points for every $1 spent at restaurants (excluding Barnes & Noble Café purchases).
Plus, earn 1x points for every $1 spent on all other purchases (excluding Barnes & Noble purchases). Terms Apply.
No Annual Fee.
Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points.
Earn 12 months of Barnes & Noble Membership after spending $7,500/year on eligible purchases.
Free online FICO® Credit Score access.
$0 Fraud Liability protection.
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, 15.99% or 26.99%, based on your creditworthiness, Variable.

Pros
No Annual Fee
High rate of rewards
Sign-up bonus
0% intro APR for 15 months on balance transfers
Security & Benefits

Cons
Has interest charges

Carnival® World Mastercard® from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99,20.99,25.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 10,000 bonus Funpoints after you use your card for the first time — that's enough to redeem for a credit of up to $100 toward your next cruise purchase on Carnival and the World's Leading Cruise Lines.
Earn 2X FunPoints on Carnival Cruise Line and World's Leading Cruise Lines purchases.
Earn 1X FunPoints on purchases everywhere else.
No Annual Fee.
No Foreign Transaction Fees.
Earn a 10% ReFUNd when you book a Carnival shore excursion on carnival.com prior to your cruise.
Protection against unauthorized use of card.
Enjoy personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and more.
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Pros
No Annual Fee
No Foreign Transaction Fees
Sign-up bonus
High rewards rate
0% intro APR for 15 months on balance transfers

Cons
Good to excellent credit score required

Holland America Line Rewards Visa® Card from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99,20.99,25.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
2X points per $1 spent on all Holland America purchases including onboard purchases.
Plus 1X point for every $1 spent on all other purchases everywhere Visa is accepted. Terms Apply.
No Foreign transaction fees.
No Annual Fee.
Earn 5,000 points after first purchase enough to redeem for a $50 onboard credit.
Redeem points for discounts toward Holland America Cruises when you use your Holland America Visa to book the cruise.
Also, redeem points for onboard amenities and credits, along with gift cards and merchandise.
$0 Fraud Liability protection.
Use points for statement credits toward airfare.
0% introductory APR for the first 15 billing cycles.

Pros
Sign-up bonus
0% intro APR for the first 15 billing cycles
High rewards rate
No Annual Fee
No Foreign transaction fees

Cons
Good to excellent credit score required

Princess Cruises Rewards Visa® Card from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99,20.99,25.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 10,000 bonus points after you use your card for the first time - that's enough to redeem for a statement credit of up to $100 toward your next cruise purchase.
2X points on Princess purchases, and 1X points on all other purchases. Terms Apply.
No Annual Fee.
No Foreign transaction fees.
Redeem points for cruise rewards, onboard credits, special on board amenities and discounted air fare.
Free online access to FICO® Credit Score.
Receive alerts when we learn that your score changes.
Access to future credit line increase reviews.
$0 Fraud Liability protection.

Pros
Sign-up bonus
High rate of rewards
No Annual Fee
No Foreign transaction fees

Cons
Good to excellent credit score required

Diamond Resorts International® MasterCard® from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
2,500 bonus Diamond Plus Points™ after your first purchase.
Earn 2X Diamond Plus Points on Diamond Resorts purchases.
Plus, 1X Diamond Plus Points™ on everyday purchases. Terms Apply.
No Annual Fee.
Earn 500 Diamond Plus Points™ for every $2,000 in spend (excluding down payments).
Enjoy a 0% promotional APR for 6 months on any Diamond Vacation Ownership interest down payment. After that, a variable APR of 16.99%, 21.99% or 26.99% depending on your creditworthiness.
Redeem points for statement credits toward Diamond Resorts International Purchases, plus airfare and car rental purchases of $50 or more made within the last 120 days.
Protection against unauthorized use of card.
Chip card technology.

Pros
No Annual Fee
Sign-up bonus
Low promo APR
No Penalty APR

Cons
Has foreign transaction fees

NFL Extra Points Credit Card from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back.
Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases.
No Annual Fee.
Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office. Terms Apply.rticipating NFL team ticket office.
20% off purchases at NFLShop.com that’s $20 off every $100 you spend.
Redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl.
Redeem points for 1% cash back, starting at 2,500 points for $25 cash back.
Zero liability on unauthorized charges.
Complimentary online FICO Credit Score access.

Pros
No Annual Fee
Sign-up bonus
No Penalty APR
0% promotional APR for 6 months on NFL ticket purchases

Priceline Rewards™ Visa® Card from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 5X points on eligible priceline.com purchases, and 1X points per $1 spent on purchases everywhere Visa is accepted. Terms Apply.
No Annual Fee.
5,000 bonus points after first purchase. That's enough to redeem for a $50 statement credit.
No Foreign Transaction Fees.
Get 10% points back every time you redeem for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days.
0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
No limit on the number of points you can earn.
$0 Fraud Liability protection.
Concierge service provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.

Pros
High rewards rate
No Annual Fee
Sign-up bonus
No Foreign transaction fees

Cons
Good to excellent credit score required

RCI Elite Rewards® MasterCard® from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 2,500 bonus rewards after your first purchase.
2X rewards on every $1 you spend on eligible RCI purchases, and 1X rewards for every $1 you spend on qualified purchases elsewhere. Terms Apply.
Use rewards for worldwide travel including flights, hotels, car rentals and more.
No Annual Fee.
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Use rewards to earn RCI Resort Dollars® cards good for onsite activites and other expenses.
Redeem for RCI Member Rewards® credits. Use toward exchange fees and RCI subscribing membership renewals.
$0 Fraud Liability protection.
Concierge service with personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.

Pros
Sign-up bonus
No Annual Fee
$0 Fraud Liability protection

Cons
Good to excellent credit score required

Choice Privileges® Visa Signature® Card from Barclaycard photo

Apply

This card earns Choice Privileges Points (Choice Privileges program)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.24,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
2 points per eligible $1 spent on everyday purchases everywhere Visa is accepted.
15 points per $1 spent at eligible Choice Privileges® locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
5 points per eligible $1 spent on the purchase of Choice Privileges® points or Choice Hotels gift card purchases.
Earn 32,000 bonus points after you spend $1,000 on purchases in the first 90 days, enough for up to 4 free nights.
No Annual Fee.
Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
Get a 10% Points Bonus every time you purchase a stay with Choice Hotels®.
Redemptions for free nights at Choice Hotels or digital gift cards from over 80 of your favorite restaurants and retailors.
Enjoy Elite Gold status every time upon approval for the Choice Privileges Visa Card.

Pros
High rewards rate
Sign-up bonus
No Annual Fee
0% introductory APR for the first 15 billing cycles following each balance transfer

Cons
Has foreign transaction fees

Wyndham Rewards® Visa® Card from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.24,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Get 15,000 bonus points after your first purchase enough to redeem for up to 1 free night.
No Annual Fee.
Earn 3 points per $1 spent on eligible purchases for every participating hotel stay, Wyndham Vacation Rental North America properties, and on-property spend and maintenance fees at Wyndham timeshare properties.
Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®).
No Foreign transaction fees.
0% APR on all Wyndham Timeshare Purchases for six billing cycles.
0% Intro APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Protection against unauthorized use of card.
Global assistance services 24/7.

Pros
Sign-up bonus
High rate of rewards
No Annual Fee
No Foreign transaction fees
No Penalty APR

Cons
Good to excellent credit score required

AAdvantage® Aviator® Red World Elite Mastercard® photo

Apply

This card earns AAdvantage Miles (AAdvantage program by American Airlines)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 50,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee.
Earn 2X miles on eligible American Airlines purchases, and 1X miles on all other purchases. Terms Apply.
Get 10% of your redeemed miles back. Note, 10,000 miles maximum per calendar year.
Earn $3,000 Elite Qualifying Dollars after spending $25,000 on purchases each calendar year.
First checked bag free. Terms Apply.
Preferred boarding for the primary cardmember and up to 4 companions on your reservation when traveling on domestic itineraries operated by American Airlines.
No foreign transaction fees.
Receive 25% inflight savings on food and beverages.
0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Pros
Sign-up bonus
High rate of rewards
10% of your redeemed miles back
No foreign transaction fees
0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening

Cons
Has annual fee

Frontier Airlines World MasterCard® from Barclaycard photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days of account opening and payment of the annual fee.
Get 2 miles for every $1 spent on purchases at FlyFrontier.com, and 1 mile for every $1 spent on all other purchases. Terms Apply.
Earn a $100 Frontier Airlines flight discount voucher after your account anniversary when you have spent $2,500 or more. Terms Apply.
No award redemption fee for the primary cardmember when you book an award ticket and use the card to pay the related taxes and fees, starting from $5.60 for a one-way ticket.
Complimentary online FICO® credit score.
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
MasterCard travel assistance services 24/7.
Protection against forfeited, non-refundable payments and deposits if a trip is cancelled or interrupted for coverage reasons.
Baggage delay insurance.

Pros
Sign-up bonus
No award redemption fee
0% intro APR for 15 months on balance transfers

Cons
Has annual fee
Has foreign transaction fees

Hawaiian Airlines® World Elite Mastercard® photo

Apply

This card earns Hawaiian Miles (HawaiianMiles program by Hawaiian Airlines)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.99,21.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 35,000 bonus miles after you spend $1,000 on purchases in the first 90 days.
2X miles on eligible purchases made directly from Hawaiian Airlines, and 1X miles on all other purchases with no mileage caps. Terms Apply.
No Foreign Transaction Fees.
Complimentary 1st checked bag for the primary cardmember on eligible ticket purchases.
One-time 50% off companion discount for round trip coach travel between Hawaii and North America on Hawaiian Airlines.
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Enjoy a intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 25.74% based on your creditworthiness.
Get $100 off a companion ticket for round trip coach travel between Hawaii and North America at each account anniversary.
No blackout dates, plus access to discounted award flights on Hawaiian Airlines.
ShareMiles allows Hawaiian Airlines World Elite MasterCard cardmembers to receive HawaiianMiles from friends and family online at HawaiianAirlines.com.

Pros
No Foreign Transaction Fees
Sign-up bonus
Low intro APR on balance transfers
No Penalty APR

Cons
Has annual fee

Miles & More® World Elite Mastercard® photo

Apply

This card earns Miles&More Miles (Miles&More program by Lufthansa)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.99,26.99%

Variable

for 15 Balance transfer intro apr duration mos

$141.71

Card Details
Earn 20,000 bonus miles when you make an initial purchase and payment of the annual fee, then earn an additional 30,000 award miles after you make $5,000 in purchases in the first 90 days.
Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners.
Earn 1 award mile per $1 spent on all other purchases everywhere Mastercard is accepted.
Convert award miles earned on purchases into status miles. Once each year, you can convert 5,000 to 25,000 award miles at a 5 to 1 ratio. For example, 5,000 award miles converts to 1,000 status miles.
No Foreign Transaction Fees.
Receive a discount code for up to 15% off hotel and car rental redemptions at milesandmore.com/hotelandcar.
Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance Airlines and other partners.
0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Two complimentary Lufthansa Business Lounge Vouchers annually.
Receive a companion ticket annually.

Pros
High rewards rate
Sign-up bonus
No Penalty APR
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening

Cons
Has annual fee

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.99-24.99%

Variable

for 14 Balance transfer intro apr duration mos

$140.45

Card Details
No annual fee.
Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
1% cash back or more on all other purchases.
Only Discover automatically matches all the cash back you've earned at the end of your first year.
0% Intro APR for 14 months on purchases and balance transfers.
Redeem your rewards for cash in any amount, any time. Your cash back never expires.
Paying late won't raise your APR. No late fee for your first late payment.
Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.

Pros
5% cash back
No annual fee
0% Intro APR for 14 months

Cons
No sign-up bonus
3% fee for each balance transfer

Our Take

The card has no annual fee, a little tolerance to late payments and an attractive 14-month long balance transfer offer with zero APR. An equal promotional period of zero APR on purchases makes it possible to you to earn rewards while paying down your debt without pitfalls (just mind the gap when APRs differ).

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.99-24.99%

Variable

for 14 Balance transfer intro apr duration mos

$140.45

Card Details
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
Plus, unlimited 1% cash back on all other purchases. Terms Apply.
No annual fee.
No penalty APR.
Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TV™subscription when you use your Discover card.
Automatic a dollar-for-dollar Cashback Match™ you've earned at the end of your first year.
Redeem your rewards for cash in any amount, anytime.
Free monthly access to FICO® Score.
Freeze it® on/off switch option for your account protection.

Pros
5% cash back
No annual fee
No penalty APR
No overlimit fee
No foreign transaction fee
0% APR for 14 months

Cons
Good to excellent credit score required
No signup bonus

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.99-24.99%

for 18 Balance transfer intro apr duration mos

$134.23

Card Details
No annual fee.
0% intro APR for 18 months on balance transfers.
Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more. Terms apply.
Plus unlimited 1% cash back on all other purchases.
Only Discover automatically matches all the cash back you've earned at the end of your first year.
Your cash back never expires. Redeem in any amount, at any time.
Freeze It® on/off switch for your account.
100% U.S.-based customer Service.
View your FICO® Credit Score for free.

Pros
No annual fee
No foreign transaction fee
Low balance transfer intro APR
5% cash back

Cons
Has balance transfer fee

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.49-25.49%

Variable

for 18 Balance transfer intro apr duration mos

$134.23

Card Details
Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
No caps and no category restrictions.
No annual fee.
0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
You can redeem cash back for checks, statement credits or gift cards.
Get a pass on your first late fee.
Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
Travel & Purchase protection.

Pros
2% cash back
No annual fee
0% Intro APR on balance transfers for 18 months

Cons
Good to excellent credit score required
No signup bonus

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.99-23.99%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Earn 4 points for every $1 in purchases.
Earn 25% bonus points on base points you earn in a billing cycle when you maintain a Virtual Wallet.
Earn 50% bonus points on base points you earn in a billing cycle when you maintain a Performance Checking account OR Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements.
Earn 75% bonus points on base points you earn in a billing cycle when you maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements.
No annual fee.
You’ll automatically be enrolled in the PNC points® Program.
There’s no limit to the number of points you can earn.
Choose from thousands of rewards – including cash, gift cards, electronics, name-brand merchandise and travel.

Pros
4X points per $1 spent on all purchases
No annual fee
Sign-up bonus

Cons
Has foreign transaction fees

Blue Cash Preferred® Card from American Express photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.74-25.74%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Earn $250 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 25.74%.
Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
Earn 3% Cash Back at US gas stations and select US department stores.
Earn 1% Cash Back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn rewards faster by adding Additional Cards for your family and friends, their purchases earn rewards just like yours. You can also earn cash back for monthly spending, like your phone bill.
Travel and shopping benefits.

Pros
Generous signup bonus
Great cash back on gas
0% introductory APR for the first 12 months

Cons
Annual fee of $95

Our Take

Blue Cash Preferred® Card is the best cashback card in its segment. In the long run, you save a considerable amount (up to $360 provided you spend at least $6,000 per year on groceries). Apply for the card and win rewards from shopping.

Amex EveryDay® Preferred Credit Card photo

Apply

This card earns Memership Rewards Points (American Express program) See transfer options

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.74-24.74%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms apply.
3X points at US supermarkets, on up to $6,000 per calendar year in purchases.
2X points at US gas stations and 1 point on all other purchases. Terms and limitations apply.
Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
Payment Flexibility: your Card gives you the option to carry a balance with interest or pay in full each month.
Use Membership Rewards® points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 24.74%.

Pros
High rewards rate
Generous signup bonus
0% APR on purchases and balance transfers for 12 months

Cons
Has annual fee

Bank of America® Cash Rewards Credit Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.24-25.24%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.
Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
Complete your application and get a response in as little as 60 seconds.

Pros
0% APR intro offer for 12 months on purchases and balance transfer
No annual fee
2% cash back on groceries
3% cash back on gas
$150 online bonus

Cons
Good to excellent credit score required
1% cash back on all purchases is not a top-notch offer

Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.24-25.24%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
Help fight breast cancer. Terms Apply.
Enjoy no annual fee while earning more cash back for the things you buy most.
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
You can get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Free monthly access to FICO® Score.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.

Pros
1.5% cash back
Help fight breast cancer
Sign-up bonus
No Annual Fee
0% Intro APR for your first 12 billing cycles
Security & Benefits

MLB™ Cash Rewards Mastercard® from Bank of America photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.24-25.24%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
Earn rewards you like and choose the card with your favorite team. All MLB® teams are available.
No Annual Fee.
0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
Cash back rewards
Sign-up bonus
No annual Fee
0% Intro APR for the first 12 billing cycles

World Wildlife Fund Credit Card from Bank of America photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.24-25.24%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
For each new World Wildlife Fund credit card account World Wildlife Fund receives a minimum of $3, 0.08% of all net retail purchases made with this card, and $3 for each annual card renewal.
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
No Annual Fee.
0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
Cash Back Rewards
Help support WWF
No Annual Fee
0% Intro APR for your first 12 billing cycles
Security & Benefits

U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.24-25.24%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
No Annual Fee.
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
Free monthly access to FICO® Score.

Pros
No Annual Fee
Sign-up bonus
0% Intro APR for the first 12 billing cycles
Cash Back Rewards
Free monthly access to FICO® Score

Cons
Has interest charges

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99-26.99%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
$200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months. Terms Apply.
Unlimited 1.5% cash rewards on net purchases.
No Annual Fee.
1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) during the first 12 months from account opening.
0% intro APR on purchases and balance transfers for 12 months.
No category restrictions or quarterly sign ups to limit cash rewards earnings.
Cash rewards that don’t expire while the account is open.
Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions.

Pros
Cash rewards
No annual fee
Sign-up bonus
Low introductory APR

Cons
Good to excellent credit score required
Has foreign transaction fees

BMO Harris Bank Cash Back Mastercard® photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99,17.99,20.99,23.99%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
$200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
No annual fee.
Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.

Pros
2% cash back
No annual fee
$200 cash back bonus
0% purchase and balance transfer intro APR

Cons
Good to excellent credit score required

Allegiant World Mastercard® from Bank of America photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99-24.99%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Earn 15,000 Bonus Points - equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days.
Earn 3 points per $1 on Allegiant purchases (air, hotel, car rental and attractions), 2 points per $1 on qualifying dining purchases, 1 point per $1 on all other purchases. Terms apply.
Buy one, get one free airfare - anytime you use your card to purchase a vacation package from Allegiant with four or more hotel nights or seven or more rental car days on the same itinerary.
No blackout dates, no destination restrictions, and no minimum points redemption.
Complimentary priority boarding and one free beverage every time you fly Allegiant when you show your Allegiant credit card.
0% intro APR on balance transfers for 12 months for transactions made within 60 days of opening your account.
Points can be redeemed for Allegiant travel, car rentals, hotel stays and attractions. All redemptions must be done on allegiant.com.

Pros
Sign-up bonus
High rewards rate
Priority Boarding
0% intro APR on balance transfers for 12 months

Cons
Has annual fee

PNC Premier Traveler® Visa Signature® Credit Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.74%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
You will earn 30,000 bonus miles if you make $3,000 in Purchases during the first 3 billing cycles following the opening of your PNC Premier Traveler Account. That's a $300 value when you redeem miles for travel rewards.
0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.
No foreign transaction fees.
Earn miles everywhere you shop and get 2 miles for every $1 on all purchases, with no spending categories to remember.
Virtually no limit to the number of miles you can earn.
An introductory $0 annual fee for the first year, then $85.
Enjoy exclusive benefits & service - for a superior travel experience.

Pros
Generous signup bonus
2X miles per $1 spent on all purchases
No foreign transaction fee
0% introductory APR for the first 12 billing cycles
An introductory $0 annual fee for the first year

Cons
Has annaul fee

Barclaycard Arrival® Plus World Elite Mastercard® photo

Apply

This card earns Barclay Reward Points (Barclay Premier Rewards program)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.99,21.99,24.99%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee - that's enough to redeem for a $600 travel statement credit toward a qualifying travel purchase.
Redeem your miles for travel statement credits starting at 10,000 for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days
Earn 2X miles on all purchases.
Get 5% miles back to use toward your next redemption every time you redeem.
Enjoy a 0% introductory APR for 12 months for each balance transfer made within 45 days of account opening.
To qualify for participation in the Rewards Program Your Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments, and no transactions.
No foreign transaction fees on anything you buy while in another country.
Travel accident and trip cancellation insurance.
$0 fraud liability protection means you're not responsible for unauthorized charges you report to bank.
MasterCard World Elite concierge and luxury travel benefits.

Pros
Generous sign-up bonus
Earn 2 miles per dollar on all purchases
Get 5% miles back every time you redeem
0% APR for 12 months balance transfers offer
No foreign transaction fee

Cons
Annual fee of $89

Our Take

Do you strive to get to your next travel destination as soon as possible? Stop right here and apply for the Barclaycard Arrival® Plus World Elite Mastercard®. No doubts, this card will bring you closer to free travel with each purchase you make.

Apply

This card earns TrueBlue Points (TrueBlue program by JetBlue)

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

17.99,21.99,26.99%

Variable

for 12 Balance transfer intro apr duration mos

$132.45

Card Details
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
3X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases. Terms Apply.
No annual fee.
50% inflight savings on cocktails and food purchases.
No foreign transaction fees.
No blackout dates on JetBlue-operated flights.
$0 Fraud Liability protection.
Points awarded to your TrueBlue account don't expire. Redeem anytime.
Redeem for any seat, any time on JetBlue-operated flights. Terms Apply.
Earn and share points together with your family.

Pros
High rate of rewards
No Annual Fee
Sign-up bonus
No Foreign Transaction Fees
No Penalty APR

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

12.99,16.99,20.99%

for 18 Balance transfer intro apr duration mos

$114.23

Card Details
0% Intro APR on purchases and balance transfers for the first 18 months from Account opening. After that, a competitive variable APR of 12.99%, 16.99% or 20.99% will apply.
No annual fee.
No foreign transaction fees.
No penalty APR.
Late Fee Waiver: in the event your payment is late, you will receive one Late Fee Waiver per year.
MasterAssist® provides pre-trip planning assistance, help with lost luggage and more.
Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
$1 Million Travel Accident Insurance.

Pros
0% Intro APR on purchases and balance transfers for the first 18 months
No annual fee
No foreign transaction fee
No penalty APR

Cons
No rewards available

First Tennessee Platinum Premier® Visa® photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.75-20.75%

Variable

for 12 Balance transfer intro apr duration mos

$112.45

Card Details
No annual fee.
Credit lines starting at $5,000.
Earn up to 10% cash back on your purchases.
Access to First Tennessee Cash Rewards®.
0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
Can be linked to checking for overdraft protection.
Compatible with Apple Pay® for convenient purchases.

Pros
No Annual Fee
Cash back rewards
0% Intro APR for the first 12 months

Cons
No signup bonus

Our Take

The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.

U.S. Bank FlexPerks® Select+ American Express® Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99-25.99%

Variable

for 9 Balance transfer intro apr duration mos

$107.08

Card Details
Earn 10,000 bonus FlexPoints worth $150 on airfare, hotel stays, car rentals and more. Just spend $1,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening.
Earn up to 1 FlexPoint for every $1 spent in eligible Net Purchases.
No Annual Fee.
Travel on more than 150 airlines with no blackout dates or online redemption fees.
Redemption starts at just 1,000 FlexPoints for merchandise, gift cards, statement credits and more.
Award travel starts at just 20,000 FlexPoints.
American Express Benefits.
0% introductory APR for the first 9 billing cycles for balances transferred within 60 days from account opening.

Pros
Sign-up bonus
No Annual Fee
0% Intro APR for the first 9 billing cycles for balance transfers

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99-25.74%

Variable

for 15 Balance transfer intro apr duration mos

$101.71

Card Details
Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 16.99% - 25.74% variable APR.
You can check your monthly FICO® Score, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate®.
You won't have to pay an annual fee for all the great features that come with your Slate card.
Paying late won't raise your interest rate (APR). See terms.

Pros
0% APR on purchases for 15 month
0% balance transfer APR for the first 15 billing cycles
No balance transfer fee
No annual fee

Cons
No rewards
Good to excellent credit score required

Our Take

The Chase Slate® may provide you with a 15-month period free of any interest. Transfer your high-interest balances to this card and make the most of this marvelous opportunity to pay down your debt.

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.99-25.74%

Variable

for 15 Balance transfer intro apr duration mos

$101.71

Card Details
Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on all other purchases.
No Annual Fee.
0% intro APR for the first 15 months from account opening on purchases and balance transfers. After that, 16.99% - 25.74% variable APR.
Cash Back rewards do not expire as long as your account is open.
Redeem Cash Back rewards for Amazon.com orders, gift cards, and your travel booking.
Service & protection.

Pros
$150 Bonus
Low intro APR
Cash Back rewards
No Annual Fee

Cons
Has foreign transaction fees

Our Take

Chase Freedom® is a must-have card for anyone who is interested in generous cash back rewards. This card is quite cheap to maintain and has wide and flexible options for redemption. Customers interested in wider cash back options or in maximization of travel rewards might want to combine this card with some others. Reward maximization with Chase Freedom® is a bit sophisticated, but it is worth your efforts.

Wells Fargo Platinum Visa® Credit Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.49-26.99%

Variable

for 18 Balance transfer intro apr duration mos

$94.23

Card Details
0% Intro APR for 18 months on purchases and balance transfers.
No annual fee.
Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts, cell phone protection.
Free access to your FICO® Credit Score with Wells Fargo Mobile® Banking.

Pros
No annual fee
0% Intro APR for 18 months on purchases and balance transfers

Cons
No rewards

Special Connections® MasterCard® with Rewards photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

12.24-22.24%

Variable

for 12 Balance transfer intro apr duration mos

$92.45

Card Details
3% cash back on wireless providers and ride-sharing services.
2% cash back on gas and restaurants.
1% as back on all other purchases.
Redeem for Cash Back, gift cards, travel, merchandise and more. A Cash Back redemption is applied as a statement credit.
Low Introductory APR.
No Annual Fee.
Zero Liability Coverage.

Pros
No annual fee
3% cash back
Low Introductory APR

Cons
No signup bonus

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.24-22.24%

Variable

for 12 Balance transfer intro apr duration mos

$92.45

Card Details
3% cash back on wireless providers and ride-sharing services.
2% cash back on gas and restaurants.
1% as back on all other purchases.
0% Intro APR for 12 monthly billing cycles after account opening on Purchases and Balance Transfers, then 16.24% - 22.24% Variable APR.
Unlimited Cash Back with no point caps & no opt-in.
Redeem for Cash Back, gift cards, travel, Royals merchandise and more! A Cash Back redemption is applied as a statement credit.
Discounted game tickets.
Game day experiences and exclusive events.
No Annual Fee.
Zero Liability Coverage.

Pros
3% cash back
0% purchase intro APR
0% balance transfere intro APR
No annual fee

Cons
No signup bonus

Citi® Diamond Preferred® Credit Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

14.99-24.99%

Variable

for 21 Balance transfer intro apr duration mos

$69.37

Card Details
0% Intro APR on balance transfers for 21 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
0% Intro APR on purchases for 12 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
No Annual Fee.
Citi customers enjoy special access to purchase tickets to thousands of events annually.
Free access to FICO® Scores.
Citi® Identity Theft Solutions.
Travel & Purchase protection.
Citi® Cards with Apple Pay®.
24/7 Customer Service.

Pros
0% Intro APR on balance transfers for 21 months
0% Intro APR on purchases for 12 months
No Annual Fee

Cons
No rewards option

Our Take

The Citi Diamond Preferred® card has a highly competitive balance transfer offer. No annual fee along with no interest on balance transfers for 21 months makes the card one of the best solutions for anybody struggling with their credit card debt.

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99-25.99%

Variable

for 21 Balance transfer intro apr duration mos

$69.37

Card Details
0% Intro APR on purchases and balance transfers for 21 months.
After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
No annual fee.
Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
Extended Warranty and $0 Liability on Unauthorized Charges.
Worldwide Car Rental Insurance.
Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.

Pros
No Annual Fee
No Penalty APR
0% APR on balance transfer for 21 months
0% APR on purchases for 12 months

Cons
No rewards
Good to excellent credit score required

Our Take

The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 21-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99-24.99%

Variable

for 6 Balance transfer intro apr duration mos

$66.17

Card Details
For every $1 of net eligible purchases on the card, you'll earn: 2X points at Polaris dealerships, 2X points at gas stations, and 1 point everywhere else Visa is accepted.
Once you have earned 2,500 points, you can redeem them for $25 in Polaris Cash, which can be used at Polaris Dealerships.
0% Intro APR on purchase and balance transfers for 6 billing cycles. After that, a variable APR currently 15.99% - 24.99%.
No Annual Fee.
Zero Fraud Liability.
Fraud Protection.
Roadside Dispatch.
Auto Rental Collision Damage Waiver.
Online Banking and Automatic Bill Pay.

Pros
No Annual Fee
High rate of rewards
0% Intro APR on purchase and balance transfers for 6 billing cycles

Cons
Good to excellent credit score required

Cash Rewards American Express® Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

15.99-24.99%

Variable

for 6 Balance transfer intro apr duration mos

$66.17

Card Details
3% cash back on gas on the first $6,000 in annual fuel spend.
2% cash back on supermarket net purchases.
1% cash back on other everyday net purchases.
No limit on total cash back that you can earn, and you have five years to redeem cash back.
No annual fee.
No penalty APR.
Intro 0% APR for the first 6 billing cycles on purchases and balance transfers.
$25 cash back reward bonus after first purchase.
Zero Fraud Liability.

Pros
3% cash back
No annual fee
No penalty APR
No limit on total cash back
Intro 0% APR for the first 6 billing cycles

Cons
No signup bonus

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

16.24-22.24%

Variable

1.99%

for 6 Balance transfer intro apr duration mos

$9.93

Card Details
1% Cash Back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
Support up to 3 causes at a time and change them whenever you want.
Tax deductible donations.
Low Introductory APR.
No Annual Fee.
World Mastercard benefits such as Extended Warranty, Mastercard ID Theft ProtectionTM and Price Protection.
Zero Liability Coverage.

Pros
1% cash back
Low Intro APR
No annual fee

Cons
No signup bonus

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.99-24.99%

Variable

10.99%

for 14 Balance transfer intro apr duration mos

$2.11

Card Details
Earn unlimited 1.5X Miles for every $1 spent on all purchases – from airfare and hotels to groceries and online shopping. Terms Apply.
No Annual Fee.
Get Cashback Match for all the Miles you've earned at the end of your first year. For example, 30,000 Miles turns into 60,000 Miles.
No Penalty APR.
Use your Discover it® Miles card for any travel purchase, including all airlines, hotels, rental cars and more.
Once you book your travel with Discover it® Miles card, redeem your Miles as a statement credit towards the purchase. Your rewards never expire.
Freeze it® on/off switch option for your account protection.
100% U.S. based customer service.
Free monthly access to FICO® Score.
Fraud monitoring and protection.

Pros
Sign-up bonus
No Annual Fee
No Penalty APR
No Foreign Transaction Fees

Cons
Good to excellent credit score required

SunTrust Prime Rewards Credit Card photo

Apply

Ongoing APR

Transfer Fee

Balance Transfer Intro APR

We estimate savings as

13.24-23.24%

Variable

for 36 Balance transfer intro apr duration mos

$209.38

Card Details
3 year introductory offer at Prime Rate (currently 5% variable APR) on balance transfers made in the first 60 days after account opening.
1% Unlimited Cash Back on all qualifying purchases.
$100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
No annual fee.
No foreign transaction fees.

Pros
1% cash back
No annual fee
No foreign transaction fee
Generous signup bonus
5% intro APR on balance transfers for the first 36 month

Cons
Good to excellent credit score required