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Citi Simplicity® Card - No Late Fees Ever
Citi Simplicity® Card - No Late Fees Ever
Apply

on Citibank's website

Apply

on Citibank's website

APR
15.49% - 25.49%* (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 18 months*
Annual Fee
$0*
Rewards
N/A

Balance Transfer

0% Intro APR on Balance Transfers for 18 months*

Credit Range

Good - Exceptional

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee... EVER
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
The same great rate for all balances, after the introductory period
Save time when you call with fast, personal help, 24 hours a day - just say "representative"
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
See additional details for Citi Simplicity® Card - No Late Fees Ever
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
Apply

on Citibank's website

Apply

on Citibank's website

APR
14.99% - 24.99%* (Variable)
Intro APR: 0% on Balance Transfers for 18 months*
Annual Fee
$0
Rewards
1-2% Cash Back

Balance Transfer

14.99% - 24.99%* (Variable)

Credit Range

Good - Exceptional

Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Balance transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers must be completed within 4 months of account opening.
No categories to track, no caps on cash back, no annual fee*
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
Apply

on Discover's website

Apply

on Discover's website

APR
13.49% - 24.49% Variable
Intro APR: 0% on Purchases for 6 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

0% Intro APR on Balance Transfers for 18 months

Credit Range

Good - Exceptional

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
Wells Fargo Platinum Visa® Card
Wells Fargo Platinum Visa® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
16.65% - 26.49% (Variable)
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
N/A

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

0% Intro APR for 15 months on purchases and balance transfers, then a 16.65%-26.49% variable APR; balance transfer fees apply
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
Free access to your FICO® Credit Score with Wells Fargo Online®
Zero Liability protection for promptly reported unauthorized transactions
Convenient tools to help create a budget and manage your spending with My Money Map
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Platinum Visa® Card
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Apply

on American Express's website

Apply

on American Express's website

APR
14.49% - 25.49% Variable
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
3% Cash Back on Groceries
2% Cash Back on Gas
1% Cash Back on Everyday

Terms Apply

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
No annual fee.
Terms Apply.
The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express
Apply

on American Express's website

Apply

on American Express's website

APR
14.49% - 25.49% Variable
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
2x Points on Groceries
1x Points on Everyday

Terms Apply

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
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.
Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
No annual fee.
Terms Apply.
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
16.24% - 24.99% Variable
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
1.5% Cash Back
Intro Bonus Worth: $150

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

Unlimited 1.5% cash back on every purchase - it's automatic
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
No minimum to redeem for cash back
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom Unlimited®
Chase Freedom®
Chase Freedom®
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
16.24% - 24.99% Variable
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
1% Cash Back
Intro Bonus Worth: $150

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

Earn a $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
Enjoy new 5% categories each quarter
Unlimited 1% cash back on all other purchases - it's automatic
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
No minimum to redeem for cash back
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom®
Luxury Card™ Mastercard® Titanium Card™
Luxury Card™ Mastercard® Titanium Card™
Apply

on Luxury Card's website

Apply

on Luxury Card's website

APR
16.49% Variable
Intro APR: 0% for 15 months for each Balance Transfer that posts to your account within 45 days of account opening
Annual Fee
$195
Rewards
2% Cash Back on Travel
1% Cash Back on Everyday

Balance Transfer

16.49% Variable

Credit Range

Very Good - Exceptional

Unique Brushed Stainless Steel – Patented Card Design
1% Value for Cash Back Redemptions
2% Value for Airfare Redemptions
24/7 Luxury Card Concierge™
Luxury Card Travel Rates & Benefits
Members-Only LUXURY MAGAZINE
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Luxury Card™ Mastercard® Black Card™
Luxury Card™ Mastercard® Black Card™
Apply

on Luxury Card's website

Apply

on Luxury Card's website

APR
16.49% Variable
Intro APR: 0% for 15 months for each Balance Transfer that posts to your account within 45 days of account opening
Annual Fee
$495
Rewards
2% Cash Back on Travel
1.5% Cash Back on Everyday

Balance Transfer

16.49% Variable

Credit Range

Very Good - Exceptional

Unique Stainless Steel – Patented Card Design
1.5% Value for Cash Back Redemptions
2% Value for Airfare Redemptions
24/7 Luxury Card Concierge™
$100 Annual Airline Credit Toward Qualifying Purchases
Global Entry & TSA Pre✓® Application Credit
VIP Airport Lounge Access with Priority Pass™ Select
Luxury Card Travel Rates & Benefits
Members-Only LUXURY MAGAZINE
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Luxury Card™ Mastercard® Gold Card™
Luxury Card™ Mastercard® Gold Card™
Apply

on Luxury Card's website

Apply

on Luxury Card's website

APR
16.49% Variable
Intro APR: 0% for 15 months for each Balance Transfer that posts to your account within 45 days of account opening
Annual Fee
$995
Rewards
2% Cash Back on Travel
2% Cash Back on Everyday
24K-Gold-Plated – Patented Card Design
2% Value for Cash Back Redemptions
2% Value for Airfare Redemptions
24/7 Luxury Card Concierge™
$200 Annual Airline Credit Toward Qualifying Purchases
Global Entry & TSA Pre✓® Application Credit
VIP Airport Lounge Access with Priority Pass™ Select
Luxury Card Travel Rates & Benefits
Members-Only LUXURY MAGAZINE
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Discover it® - Cashback Match™
Discover it® - Cashback Match™
Apply

on Discover's website

Apply

on Discover's website

APR
13.49% - 24.49% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Earn unlimited 1% cash back on all other purchases – automatically.
INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
No annual fee.
See additional details for Discover it® - Cashback Match™
Discover it® chrome
Discover it® chrome
Apply

on Discover's website

Apply

on Discover's website

APR
13.49% - 24.49% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
2% Cash Back

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See additional details for Discover it® chrome
NHL® Discover it® Card
NHL® Discover it® Card
Apply

on Discover's website

Apply

on Discover's website

APR
13.49% - 24.49% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See additional details for NHL® Discover it® Card
Discover it® Miles
Discover it® Miles
Apply

on Discover's website

Apply

on Discover's website

APR
13.49% - 24.49% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
1.5x Miles

Balance Transfer

10.99% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your Miles as a statement credit towards travel purchases.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No Annual Fee.
See additional details for Discover it® Miles
Wells Fargo Cash Wise Visa® Card
Wells Fargo Cash Wise Visa® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
14.49% - 26.49% (Variable)
Intro APR: 0% on Purchases for 12 months
Annual Fee
$0
Rewards
1.5% Cash Back on Everyday
Intro Bonus Worth: $200

Balance Transfer

0% Intro APR on Balance Transfers for 12 months

Credit Range

Good - Exceptional

Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash rewards on purchases
Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
0% Intro APR for 12 months on purchases and balance transfers, then a 14.49%-26.49% variable APR; balance transfer fees apply
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Cash Wise Visa® Card
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Apply

on American Express's website

Apply

on American Express's website

APR
14.49% - 25.49% Variable
Intro APR: 0% on Purchases for 12 months
Annual Fee
$95
Rewards
6% Cash Back on Groceries
3% Cash Back on Gas
1% Cash Back on Everyday

Terms Apply

Balance Transfer

0% Intro APR on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.
Terms Apply.
Citi® Double Cash Card
Citi® Double Cash Card
Apply

on Citibank's website

Apply

on Citibank's website

APR
24.99%* (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 9 months*
Annual Fee
$0
Rewards
1-2% Cash Back

Balance Transfer

24.99%* (Variable)

Credit Range

Good - Exceptional

Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Balance transfers do not earn cash back
0% Intro APR on Balance Transfers and Purchases for 9 months; after that, the variable APR will be 24.99%
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
No categories to track, no caps on cash back, no annual fee*
See additional details for Citi® Double Cash Card
Discover it® Secured Card - No Annual Fee
Discover it® Secured Card - No Annual Fee
Apply

on Discover's website

Apply

on Discover's website

APR
24.49% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Poor - Fair

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
See additional details for Discover it® Secured Card - No Annual Fee
Discover it® for Students
Discover it® for Students
Apply

on Discover's website

Apply

on Discover's website

APR
14.49% - 23.49% Variable
Intro APR: 0% on Purchases for 6 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
See additional details for Discover it® for Students
Discover it® chrome for Students
Discover it® chrome for Students
Apply

on Discover's website

Apply

on Discover's website

APR
14.49% - 23.49% Variable
Intro APR: 0% on Purchases for 6 months
Annual Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
See additional details for Discover it® chrome for Students
Preferred Cash Rewards Visa Signature®
Preferred Cash Rewards Visa Signature®
Apply

on USAA's website

Apply

on USAA's website

APR
13.15% - 27.15% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
1.5% Cash Back on Everyday

Balance Transfer

13.15% - 27.15% Variable

Credit Range

Good - Exceptional

USAA membership is available to active and former military and their eligible family members
Earn 1.5% cash back on every purchase
There's no limit on the amount you can earn
Redeem your rewards anytime online or with the USAA Mobile App
See additional details for Preferred Cash Rewards Visa Signature®
USAA Rewards™ American Express® Card
USAA Rewards™ American Express® Card
Apply

on USAA's website

Apply

on USAA's website

APR
11.15% - 27.15% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
3x Points on Dining
2x Points on Gas
2x Points on Groceries
Intro Bonus Worth: $25

Balance Transfer

11.15% - 27.15% Variable

Credit Range

Good - Exceptional

USAA membership is available to active and former military and their eligible family members
Earn 3x points per dollar on dining with no caps
Earn 2x points per dollar on gas with no caps
Earn 2x points per dollar on groceries with no caps
Earn 1x points on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more
See additional details for USAA Rewards™ American Express® Card
Cashback Rewards Plus American Express® Card
Cashback Rewards Plus American Express® Card
Apply

on USAA's website

Apply

on USAA's website

APR
13.15% - 27.15% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
5% Cash Back on Gas
2% Cash Back on Groceries
1% Cash Back on Everyday

Balance Transfer

13.15% - 27.15% Variable

Credit Range

Good - Exceptional

USAA membership is available to active and former military and their eligible family members
Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
Earn 2% cash back on your first $3,000 on supermarket purchases per year
Unlimited 1% cash back on all other purchases
USAA Rewards™ Visa Signature®
USAA Rewards™ Visa Signature®
Apply

on USAA's website

Apply

on USAA's website

APR
11.15% - 27.15% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
2x Points on Dining
2x Points on Gas
1x Points on Everyday
Intro Bonus Worth: $25

Balance Transfer

11.15% - 27.15% Variable

Credit Range

Good - Exceptional

USAA membership is available to active and former military and their eligible family members
Earn 2x points per dollar on dining with no caps
Earn 2x points per dollar on gas with no caps
Earn 1x points on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more
See additional details for USAA Rewards™ Visa Signature®
USAA Rate Advantage Platinum Visa®
USAA Rate Advantage Platinum Visa®
Apply

on USAA's website

Apply

on USAA's website

APR
8.15% - 25.15% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
N/A

Balance Transfer

8.15% - 25.15% Variable

Credit Range

Fair - Good

USAA membership is available to active and former military and their eligible family members
Enjoy one of the lowest APRs in the industry
Same low rate for purchases, balance transfers and cash advances
No foreign transaction fees
See additional details for USAA Rate Advantage Platinum Visa®
Citi ThankYou® Premier Card
Citi ThankYou® Premier Card
Apply

on Citibank's website

Apply

on Citibank's website

APR
15.99% - 24.99%* (Variable) based on your creditworthiness
Intro APR: N/A
Annual Fee
$95, waived for first 12 months*
Rewards
3x Points on Travel
2x Points on Dining
1x Points on Everyday

Balance Transfer

15.99% - 24.99%* (Variable) based on your creditworthiness

Credit Range

Very Good - Exceptional

Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening*
Earn 3X Points on Travel, Including Gas Stations
Earn 2X Points on Dining Out & Entertainment
Earn 1X Points on All Other Purchases
Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
Points Transfer allows you to transfer points to participating airline loyalty programs
No Foreign Transaction Fees on purchases*
See additional details for Citi ThankYou® Premier Card
Barclays Arrival® Premier World Elite Mastercard®
Barclays Arrival® Premier World Elite Mastercard®
Apply

on Barclays's website

Apply

on Barclays's website

APR
17.49%, 21.49% or 24.49% Variable
Intro APR: N/A
Annual Fee
$150
Rewards
2x Miles

Balance Transfer

17.49%, 21.49% or 24.49% Variable

Credit Range

Exceptional

Each year, earn 25,000 loyalty bonus miles after spending $25,000 on purchases.
Earn unlimited 2X miles on every purchase.
Global Entry - Expedite your Re-entry with a $100 automatic statement credit for the cost of one Global Entry application fee every five years.
Mastercard® Airport Experience provided by LoungeKey enhances your travel experience with access to over 800 lounges worldwide. Fees apply.
No foreign transaction fees on purchases made while traveling abroad.
International Chip and PIN provides maximum global acceptance with chip and PIN capability for use at self-service chip terminals around the world.
Redeem your miles for travel or cash back statement credits, gift cards and merchandise. Redeeming miles for travel statement credits offers the best value.
Miles don't expire as long as your account is open, active and in good standing.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
17.24% - 24.24% Variable
Intro APR: N/A
Annual Fee
$450
Rewards
3x Points on Travel
3x Points on Dining
1x Points on Everyday
Intro Bonus Worth: $750

Balance Transfer

17.24% - 24.24% Variable

Credit Range

Exceptional

Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
Named a ‘Best Travel Credit Card for 2017’ by MONEY® Magazine
3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✔®
See additional details for Chase Sapphire Reserve®
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
17.24% - 24.24% Variable
Intro APR: N/A
Annual Fee
$0 intro for first year, then $95
Rewards
2x Points on Dining
2x Points on Travel
1x Points on Everyday
Intro Bonus Worth: $625

Balance Transfer

17.24% - 24.24% Variable

Credit Range

Good - Exceptional

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®.
Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs
Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card
The Hyatt Credit Card
The Hyatt Credit Card
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
17.24% - 24.24% Variable
Intro APR: N/A
Annual Fee
$75
Rewards
2x Points on Travel

Balance Transfer

17.24% - 24.24% Variable

Credit Range

Good - Exceptional

Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.
Plus, receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
Get Bonus Points on every purchase. Free nights start at just 5,000 points.
3 Bonus Points for every $1 spent at Hyatt hotels and resorts.
2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies, Plus 1 Bonus Point per $1 spent on purchases elsewhere.
Keep all the points you earn – your points do not expire as long as your Hyatt Credit Card account is open.
As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open.
See additional details for The Hyatt Credit Card
Citi® Secured Mastercard®
Citi® Secured Mastercard®
Apply

on Citibank's website

Apply

on Citibank's website

APR
23.99%* (Variable)
Intro APR: N/A
Annual Fee
$0
Rewards
N/A

Balance Transfer

23.99%* (Variable)

Credit Range

Good - Exceptional

No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
A security deposit is required for this product (minimum $200)
Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
Use the card anywhere Mastercard® is accepted - worldwide
See additional details for Citi® Secured Mastercard®
USAA Secured Card® Platinum Visa®
USAA Secured Card® Platinum Visa®
Apply

on USAA's website

Apply

on USAA's website

APR
11.15% - 21.15% Variable
Intro APR: N/A
Annual Fee
$35
Rewards
N/A

Balance Transfer

11.15% - 21.15% Variable

Credit Range

Poor - Fair

USAA membership is available to active and former military and their eligible family members
Best for members rebuilding or establishing credit
Determine your own credit limit ($250 to $5,000) with an interest-earning CD
No foreign transaction fees when you travel outside the United States
See additional details for USAA Secured Card® Platinum Visa®
USAA Secured Cards® American Express® Card
USAA Secured Cards® American Express® Card
Apply

on USAA's website

Apply

on USAA's website

APR
11.15% - 21.15% Variable
Intro APR: N/A
Annual Fee
$35
Rewards
N/A

Balance Transfer

11.15% - 21.15% Variable

Credit Range

Poor - Fair

USAA membership is available to active and former military and their eligible family members
Best for members rebuilding or establishing credit
Determine your own credit limit ($250 to $5,000) with an interest-earning CD
No foreign transaction fees when you travel outside the United States
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
10.49% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
N/A

Balance Transfer

10.49% Variable

Credit Range

Exceptional

A low, variable APR on purchases, balance transfers and cash advances
No annual fee
No balance transfer fees
No foreign transaction fees
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Free online access to FICO® Credit Score
See additional details for Barclaycard Ring™ Mastercard®

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Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Balance transfer credit card basics

How balance transfers work

Balance transfer credit cards can be a good way to consolidate credit card debt from multiple cards. Issuers will sometimes offer incentives to transfer balances from your old credit cards by offering a low or zero percent APR on the transferred amount for a limited period of time. This time period may vary based on the issuer and/or offer but typically can be 12 months or more.

Balance transfer fees

Balance transfer cards may have an upfront fee that can equal 3 percent or more of the total amount transferred. Sometimes the promotional rate is meant for a single balance transfer, and issuers may charge higher rates for balance transfers from additional credit cards. All of this information can be found in what is called a “Schumer box”, which contains a summary of costs of a credit card offer, such as “other APRs” where balance transfer information resides. Additional information to help you understand your costs can be found in this summary and within the terms and conditions.

Balance transfer impacts on your credit

Depending on your credit situation, a balance transfer could affect your credit. If you already have a high utilization rate, meaning your credit card balances are high compared to your credit limits, transferring the balance to a new card could affect your credit score. The addition of the new card may increase your total credit limit and decrease your overall utilization rate, but having a high utilization rate on a single credit card may still impact your credit.

Balance transfer considerations
  • Your ability to pay: Considering the balance transfer cost, which is the fee percentage multiplied by the balance, and the length of the promotional APR, could be beneficial in helping you to budget. For example, if $5,000 is transferred with a 3% fee and the promotion was at 0% for 12 months, then in order to avoid any interest payments, you would have to be diligent enough to pay $429 every month. Any missed payment or balance after the promotional period would result at a higher APR, and could become costly.
  • Financial goals: It may turn out that a balance transfer may not help your credit in the short term, but it could be a temporary trade-off. If your goal is to pay off the balance during the promotional period while the APR is low, then as your on-time payments continue and your balance decreases, your credit will start to improve.
  • Avoiding more debt: After transferring a balance, you may consider not using the older card until your debt situation improves. You could close the older card to remove the temptation of racking up more debt, but in doing so, you may negatively impact your credit score, since you will reduce your total credit limit and raise your utilization rate. Also, if you had the card for a long time, you could be removing an account that was beneficial to your credit, since creditors like to see a longer and positive credit history. In deciding to close the account, you would have to weigh the possibility of accumulating more debt vs impacting your credit in the near-term. No matter what you choose, if you continue to pay down debt and pay on time, your credit could improve over time.

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.