Our pick for

Sign-up bonus

Chase Freedom®

Chase Freedom®

Apply Now on Chase's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 15 months

APR

  • APR: 15.99% - 24.74% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

  • 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 like gas stations, restaurants and drugstores
  • 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 15.99-24.74%. 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
Intro Purchase APR
0%
Ongoing APR
15.99% - 24.74%
APR, Variable
Recommended credit score
690
850
Good - Excellent
We like it for
Cash-back rewards Cash bonus 0% APR period No annual fee

Benefits

The Chase Freedom® gives you a little of everything. In addition to a $0 annual fee and a long 0% APR period on purchases and balance transfers, it offers a nifty sign-up bonus. You get 5% cash back on up to $1,500 per quarter in spending on rotating bonus categories that include such things as gas stations, supermarkets and restaurants. All other spending earns 1% back.

Drawbacks

Bottom line

Our pick for

Longest 0% Intro APR period

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Apply Now on Citibank's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 21 months

APR

  • APR: 14.99% - 24.99% Variable APR

Annual Fee

$0

Bonus Offer

None

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% 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
  • View Rates and Fees
Intro Purchase APR
0%
Ongoing APR
14.99% - 24.99%
APR, Variable
Recommended credit score
690
850
Good - Excellent
We like it for
0% APR period No late fees or penalty APR No annual fee

Benefits

The interest-free period on the Citi Simplicity® Card - No Late Fees Ever is among the longest we’ve seen: 0% on Purchases and Balance Transfers for 21 months, and then the ongoing APR of 14.99% - 24.99% Variable APR. Citi’s pledge to never charge fees or a penalty annual percentage rate on late payments is unusual and a nice break for the chronically forgetful.

Drawbacks

Bottom line

Our pick for

Low fees

Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

Apply Now on Discover's secure site

Intro APR Promotions

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Discover will match ALL the cash back earned at the end of your first year, automatically.

  • 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.
  • 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.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • View Rates and Fees
Intro Purchase APR
0%
Ongoing APR
11.99% - 23.99%
APR, Variable
Recommended credit score
690
850
Good - Excellent
We like it for
0% APR period Cash-back rewards No first-time late fee No foreign transaction fees No annual fee

Benefits

This card combines a lengthy 0% period on balance transfers with 5% cash-back rewards on rotating bonus categories (on up to $1,500 in spending per quarter) and 1% back on all other spending. There’s also an unusual bonus, which Discover describes as: “Discover will match ALL the cash back earned at the end of your first year, automatically.” No foreign transaction fee is unusual for this category. Discover won’t charge a fee for your first late payment or raise your APR for paying late.

Drawbacks

Bottom line

Last updated: 2017/11/30