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Zap Your Debt While Earning Rewards
With the Discover It® Balance Transfer, you could save thousands on credit card interest by enjoying a long interest-free intro period while you chip away at payments. Read on to learn more, and apply today.
Disclaimer: This is an advertisement for the featured products and contains factual information about those products that are sourced directly from the issuers, who are NerdWallet partners. This page also includes NerdWallet's opinions, which are independent of any input from our partners.
Generous 0% intro APR period
Potentially lucrative sign-up bonus
Keep in mind, though, that if you’re using the balance transfer option on this card, you may want to avoid making new purchases with it entirely, and instead use the card solely for paying off debt — and that might mean missing out on the rich sign-up bonus offer, which you're eligible for only in your first year.
BEST CREDIT CARD FOR ENTERTAINMENT
Apply Now
on U.S. Bank's website
Apply Now
on U.S. Bank's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- 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.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates and Fees
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- 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.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates and Fees
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
Pros
- No annual fee
- Intro APR period
- Cell phone insurance
Cons
- No rewards
- Requires good/excellent credit
- No bonus offer
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- 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.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates and Fees
Apply Now
on Bank of America's website
Apply Now
on Bank of America's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
on Citibank's application
Apply Now
on Citibank's application
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates and Fees
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates and Fees
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
Pros
- No annual fee
- High rewards rate
- Intro balance transfer fee
Cons
- No intro APR period on purchases
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- View Rates and Fees
Updated --.
