Balance Transfer

Advertiser Disclosure

A balance transfer credit card offers a lower or even zero APR for your credit card debt. We help you estimate how much you may save with each offer based on the amount of your debt and your credit score. Compare your savings and pick the best card to move your debt to.

Estimate savings For
Good (680-719)
Excellent (720+)
Good (680-719)
Fair (620-679)
Poor/No Credit (up to 619)
credit and
balance
55 cards found
Discover it® Chrome Gas & Restaurants photo
Discover it® Chrome Gas & Restaurants photo
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Discover it® Chrome Gas & Restaurants
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.99-24.99%
Variable
3%
0%
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
Amex EveryDay® Credit Card photo
Amex EveryDay® Credit Card photo
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Amex EveryDay® Credit Card
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
0%
0%
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
SunTrust Travel Rewards Credit Card photo
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SunTrust Travel Rewards Credit Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.24-23.24%
Variable
3%
0%
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
SunTrust Cash Rewards Credit Card photo
SunTrust Cash Rewards Credit Card photo
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SunTrust Cash Rewards Credit Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.24-23.24%
Variable
3%
0%
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
Blue Cash Everyday® Card from American Express photo
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Blue Cash Everyday® Card from American Express
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
14.74-25.74%
Variable
3%
0%
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
Cash Magnet™ Card photo
Cash Magnet™ Card photo
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Cash Magnet™ Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
14.74-25.74%
Variable
3%
0%
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.
BankAmericard® Credit Card photo
BankAmericard® Credit Card photo
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BankAmericard® Credit Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
14.99-24.99%
Variable
3%
0%
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
Citi ThankYou® Preferred Card photo
Citi ThankYou® Preferred Card photo
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Citi ThankYou® Preferred Card
This card earns ThankYou Points (not transferable)
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.49-25.49%
Variable
3%
0%
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.

Barnes & Noble Mastercard® photo
Barnes & Noble Mastercard® photo
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Barnes & Noble Mastercard®
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.99,26.99%
Variable
3%
0%
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
Carnival® World Mastercard® from Barclaycard photo
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Carnival® World Mastercard® from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.99,20.99,25.99%
Variable
3%
0%
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
Holland America Line Rewards Visa® Card from Barclaycard photo
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Holland America Line Rewards Visa® Card from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.99,20.99,25.99%
Variable
3%
0%
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
Princess Cruises Rewards Visa® Card from Barclaycard photo
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Princess Cruises Rewards Visa® Card from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.99,20.99,25.99%
Variable
3%
0%
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
Diamond Resorts International® MasterCard® from Barclaycard photo
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Diamond Resorts International® MasterCard® from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
16.99,21.99,26.99%
Variable
3%
0%
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
NFL Extra Points Credit Card from Barclaycard photo
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NFL Extra Points Credit Card from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
16.99,21.99,26.99%
Variable
3%
0%
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
Priceline Rewards™ Visa® Card from Barclaycard photo
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Priceline Rewards™ Visa® Card from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
16.99,21.99,26.99%
Variable
3%
0%
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
RCI Elite Rewards® MasterCard® from Barclaycard photo
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RCI Elite Rewards® MasterCard® from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
16.99,21.99,26.99%
Variable
3%
0%
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
Choice Privileges® Visa Signature® Card from Barclaycard photo
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Choice Privileges® Visa Signature® Card from Barclaycard
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
3%
0%
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
Wyndham Rewards® Visa® Card from Barclaycard photo
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Wyndham Rewards® Visa® Card from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
17.24,21.99,26.99%
Variable
3%
0%
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
AAdvantage® Aviator® Red World Elite Mastercard® photo
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AAdvantage® Aviator® Red World Elite Mastercard®
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
3%
0%
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
Frontier Airlines World MasterCard® from Barclaycard photo
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Frontier Airlines World MasterCard® from Barclaycard
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
17.99,21.99,26.99%
Variable
3%
0%
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
Hawaiian Airlines® World Elite Mastercard® photo
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Hawaiian Airlines® World Elite Mastercard®
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
3%
0%
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
Miles & More® World Elite Mastercard® photo
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Miles & More® World Elite Mastercard®
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
3%
0%
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
Discover it® Cash Back photo
Discover it® Cash Back photo
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Discover it® Cash Back
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.99-24.99%
Variable
3%
0%
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).

NHL® Discover it® photo
NHL® Discover it® photo
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NHL® Discover it®
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.99-24.99%
Variable
3%
0%
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
Discover it® Balance Transfer photo
Discover it® Balance Transfer photo
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Discover it® Balance Transfer
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.99-24.99%
3%
0%
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
Citi® Double Cash Card photo
Citi® Double Cash Card photo
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Citi® Double Cash Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.49-25.49%
Variable
3%
0%
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
PNC points® Visa® Credit Card photo
PNC points® Visa® Credit Card photo
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PNC points® Visa® Credit Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.99-23.99%
Variable
3%
0%
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
Blue Cash Preferred® Card from American Express photo
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Blue Cash Preferred® Card from American Express
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
14.74-25.74%
Variable
3%
0%
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
Amex EveryDay® Preferred Credit Card photo
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Amex EveryDay® Preferred Credit Card
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
3%
0%
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
Bank of America® Cash Rewards Credit Card photo
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Bank of America® Cash Rewards Credit Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.24-25.24%
Variable
3%
0%
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
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.24-25.24%
Variable
3%
0%
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
MLB™ Cash Rewards Mastercard® from Bank of America photo
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MLB™ Cash Rewards Mastercard® from Bank of America
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.24-25.24%
Variable
3%
0%
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
World Wildlife Fund Credit Card from Bank of America photo
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World Wildlife Fund Credit Card from Bank of America
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.24-25.24%
Variable
3%
0%
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
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
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U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.24-25.24%
Variable
3%
0%
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