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Annual Fee
$0
Intro APR
0% intro APR on Purchases and Balance Transfers for 18 months
Regular APR
14.74% - 24.74% Variable APR
Rec Credit Score
690-850Good - Excellent
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Annual Fee
$0
Intro APR
0% intro APR on Balance Transfers for 18 months
Regular APR
13.99% - 23.99% Variable APR
Rec Credit Score
690-850Good - Excellent
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- 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.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Pros
- High rewards rate
- No annual fee
- Intro APR period on Balance Transfers
Cons
- No sign-up bonus
- No 0% APR for purchases
- $25 minimum redemption
Annual Fee
$0
Intro APR
0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Regular APR
11.99% - 22.99% Variable APR
Rec Credit Score
690-850Good - Excellent
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- No foreign transaction fee
Cons
- Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
- If you value simplicity, a flat rate cash back card may be better
Annual Fee
$0
Intro APR
0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening
Regular APR
12.99% - 22.99% Variable APR
Rec Credit Score
690-850Good - Excellent
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- Contactless Cards - The security of a chip card, with the convenience of a tap
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Annual Fee
$0*
Intro APR
0%* intro APR for 20 billing cycles on purchases and balance transfers*
Regular APR
14.49% - 24.49%* Variable APR
Rec Credit Score
720-850Excellent
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
- Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
- No Annual Fee*
- Flexibility to choose a payment due date that fits your schedule.
- 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- Cell phone insurance
Cons
- No rewards
- Foreign transaction fee
Annual Fee
$0
Intro APR
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening
Regular APR
13.49% - 23.49% Variable APR
Rec Credit Score
690-850Good - Excellent
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Spending cap on bonus categories
- Varying point values