on US Bank's website
Intro APR
0%* on purchases and balance transfers for 20 billing cycles*
Regular APR
13.99% - 23.99%* Variable APR
Annual fee
$0*
Balance Transfer Fee
3%
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on US Bank's website
on US Bank's website
Annual Fee
$0*
Intro APR
0%* on purchases and balance transfers for 20 billing cycles*
Regular APR
13.99% - 23.99%* Variable APR
Recommended Credit Score
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- Cell phone insurance
Cons
- No rewards
- Foreign transaction fee
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- Cell phone insurance
Cons
- No rewards
- Foreign transaction fee
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
- Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
- 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.
- View Rates and Fees
on HSBC's website
on HSBC's website
Annual Fee
$0
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Regular APR
12.99% - 22.99%, Variable
Recommended Credit Score
Pros
- No annual fee
- 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.99% - 22.99% will apply
- No foreign transaction fee
Cons
- No rewards
Pros
- No annual fee
- 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.99% - 22.99% will apply
- No foreign transaction fee
Cons
- No rewards
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% - 22.99% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- View Rates and Fees
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Regular APR
12.99% - 22.99%, Variable
Annual fee
$0
Balance Transfer Fee
Either $10 or 4%, whichever is greater, will apply on each balance transfer
on Wells Fargo's website
on Wells Fargo's website
Annual Fee
$0
Intro APR
0% intro APR for 18 months on purchases and qualifying balance transfers
Regular APR
15.49% - 24.99% Variable APR
Recommended Credit Score
Pros
- No annual fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- No rewards
Pros
- No annual fee
- Intro APR period on Purchases and qualifying Balance Transfers
Cons
- No rewards
- Pay down balances instead of interest with Wells Fargo's longest intro APR
- $0 Annual Fee
- 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 card
- Easy 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
- Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates and Fees
on Wells Fargo's website
Intro APR
0% intro APR for 18 months on purchases and qualifying balance transfers
Regular APR
15.49% - 24.99% Variable APR
Annual fee
$0
Balance Transfer Fee
3% for 120 days, then 5%
on American Express's website
on American Express's website
Annual Fee
$0
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
12.99% - 23.99% Variable APR
Recommended Credit Score
Pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
Pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
- Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
- 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
- Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
- No Annual Fee.
- Terms Apply.
- View Rates and Fees
on American Express's website
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
12.99% - 23.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
on American Express's website
on American Express's website
Annual Fee
$0
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
12.99% - 23.99% Variable APR
Recommended Credit Score
Pros
- Bonus rewards at U.S. supermarkets and U.S. gas stations
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $25 minimum redemption
Pros
- Bonus rewards at U.S. supermarkets and U.S. gas stations
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $25 minimum redemption
- Earn a $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 from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
- Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
- Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
- No annual fee.
- Terms Apply.
- View Rates and Fees
on American Express's website
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
12.99% - 23.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
on Chase's website
on Chase's website
Annual Fee
$0
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.99% - 23.74% Variable APR
Recommended Credit Score
Pros
- High rewards rate and no minimum redemption
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Has foreign transaction fee
- No bonus rewards categories
- Requires good/excellent credit
Pros
- High rewards rate and no minimum redemption
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Has foreign transaction fee
- No bonus rewards categories
- Requires good/excellent credit
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
- 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
- No annual fee
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
See if you qualify for a better offer with Chase:
on Chase's website
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.99% - 23.74% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
on Citibank's application
on Citibank's application
Annual Fee
$0
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
13.49% - 23.49% Variable APR
Recommended Credit Score
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Spending cap on bonus categories
- Varying point values
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Spending cap on bonus categories
- Varying point values
- 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 and purchases for 15 months. 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 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.
on Citibank's application
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
13.49% - 23.49% Variable APR
Annual fee
$0
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
on Wells Fargo's website
on Wells Fargo's website
Annual Fee
$0
Intro APR
0% intro APR for 15 months on purchases and qualifying balance transfers
Regular APR
13.99% - 25.99% Variable APR
Recommended Credit Score
Pros
- High rewards rate
- Sign-up bonus
- Intro APR period on Purchases and qualifying Balance Transfers
- Offers cell phone protection when bill is paid with card
Cons
- $25 minimum redemption
- Requires good/excellent credit
Pros
- High rewards rate
- Sign-up bonus
- Intro APR period on Purchases and qualifying Balance Transfers
- Offers cell phone protection when bill is paid with card
Cons
- $25 minimum redemption
- Requires good/excellent credit
- Earn a $150 cash rewards bonus after spending $500 in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google 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 Annual Fee
- Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates and Fees
on Wells Fargo's website
Intro APR
0% intro APR for 15 months on purchases and qualifying balance transfers
Regular APR
13.99% - 25.99% Variable APR
Annual fee
$0
Balance Transfer Fee
3% for 120 days, then 5%
Annual Fee
$0
Intro APR
Purchase: 0% for 15 mos
Regular APR
14.24% - 23.24% Variable APR
Recommended Credit Score
Pros
- Qualify with average credit
- No annual fee
Cons
- No rewards
Pros
- Qualify with average credit
- No annual fee
Cons
- No rewards
- With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
- Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
- Introductory 0.00% APR for the first 15 billing cycles on purchases.
Intro APR
Purchase: 0% for 15 mos
Regular APR
14.24% - 23.24% Variable APR
Annual fee
$0
Balance Transfer Fee
3%
Annual Fee
$0
Intro APR
Purchase: 0% for 15 mos
Regular APR
14.24% - 23.24% Variable APR
Recommended Credit Score
Pros
- Qualify with average credit
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Pros
- Qualify with average credit
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
- With the Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
- Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
- Introductory 0.00% APR for the first 15 billing cycles on purchases and balance transfers.
Intro APR
Purchase: 0% for 15 mos
Regular APR
14.24% - 23.24% Variable APR
Annual fee
$0
Balance Transfer Fee
3%
