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on Discover's website, or call 800-347-0264

4.9

NerdWallet rating 

on Discover's website, or call 800-347-0264

Annual fee

$0

Regular APR

16.74%-27.74% Variable APR

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad
  • 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.
NerdWallet rating 

4.9

/5

on Discover's website, or call 800-347-0264

Annual fee

$0

Regular APR

16.74%-27.74% Variable APR

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

on Discover's website, or call 800-347-0264

3.8

NerdWallet rating 

on Discover's website, or call 800-347-0264

Annual fee

$0

Regular APR

16.74%-27.74% Variable APR

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Low rewards rate
  • Spending caps on bonus rewards
  • Lower acceptance abroad
  • 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. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.
NerdWallet rating 

3.8

/5

on Discover's website, or call 800-347-0264

Annual fee

$0

Regular APR

16.74%-27.74% Variable APR

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

on US Bank's website

4.3

NerdWallet rating 

on US Bank's website

Annual fee

$0

Regular APR

19.24%-29.24% Variable APR

Intro APR

0% intro APR for 15 billing cycles on purchases and balance transfers

Balance transfer fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Pros

  • No annual fee
  • Bonus categories
  • High rewards rate

Cons

  • Complicated rewards
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.24% - 29.24%
  • No Annual Fee
  • Terms and conditions apply.
NerdWallet rating 

4.3

/5

on US Bank's website

Annual fee

$0

Regular APR

19.24%-29.24% Variable APR

Intro APR

0% intro APR for 15 billing cycles on purchases and balance transfers

Balance transfer fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

on Wells Fargo's website

5.0

NerdWallet rating 

on Wells Fargo's website

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Intro APR

0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers

Balance transfer fee

3% for 120 days from account opening, then up to 5%; min: $5

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period

Cons

  • No bonus categories
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions
NerdWallet rating 

5.0

/5

on Wells Fargo's website

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Intro APR

0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers

Balance transfer fee

3% for 120 days from account opening, then up to 5%; min: $5

on Citibank's application

4.5

NerdWallet rating 

on Citibank's application

Annual fee

$0

Regular APR

18.74%-29.49% Variable APR

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Balance transfer fee

3% of each transfer (minimum $5) completed within the first 4 months of account opening, then 5% of each balance transfer; $5 minimum.

Pros

  • No annual fee
  • Intro APR period

Cons

  • No rewards
  • No new cardholder bonus offer
  • Requires good/excellent credit
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock
NerdWallet rating 

4.5

/5

on Citibank's application

Annual fee

$0

Regular APR

18.74%-29.49% Variable APR

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Balance transfer fee

3% of each transfer (minimum $5) completed within the first 4 months of account opening, then 5% of each balance transfer; $5 minimum.

on Citibank's application

4.4

NerdWallet rating 

on Citibank's application

Annual fee

$0

Regular APR

17.74%-28.49% Variable APR

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Balance transfer fee

5% of each balance transfer; $5 minimum.

Pros

  • No annual fee
  • Intro APR period
  • Intro balance transfer fee

Cons

  • Requires good/excellent credit
  • No rewards
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, 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 5% 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.
NerdWallet rating 

4.4

/5

on Citibank's application

Annual fee

$0

Regular APR

17.74%-28.49% Variable APR

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Balance transfer fee

5% of each balance transfer; $5 minimum.

on Wells Fargo's website

4.5

NerdWallet rating 

on Wells Fargo's website

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Balance transfer fee

up to 5%; min: $5

Pros

  • No annual fee
  • Bonus categories
  • No reward caps
  • Cell phone insurance
  • New cardholder bonus offer

Cons

  • No free checked bags
  • No free anniversary night
  • No luxury perks
  • Requires good/excellent credit
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 19.74%, 24.74%, or 29.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select "Apply Now" to learn more about the product features, terms and conditions.
NerdWallet rating 

4.5

/5

on Wells Fargo's website

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Balance transfer fee

up to 5%; min: $5

BMW Credit Card

3.5

NerdWallet rating 
Annual fee

$0

Regular APR

19.74%-28.74% Variable APR

Intro APR

0% intro APR on purchases and balance transfers for 12 billing cycles

Balance transfer fee

Either 3% of the amount of each transfer or $5 minimum

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period
  • New cardholder bonus offer
  • Bonus categories

Cons

  • Complicated rewards
  • Foreign transaction fee
  • No Annual Fee
  • Earn 5,000 Bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening.
  • Earn 4 points per $1 spent on eligible BMW purchases.
  • Earn 3 points per $1 spent on eligible gas station and EV charging station purchases.
  • Earn 2 points per $1 spent on eligible restaurant purchases.
  • Earn 1 point on all other eligible purchases.
NerdWallet rating 

3.5

/5

Annual fee

$0

Regular APR

19.74%-28.74% Variable APR

Intro APR

0% intro APR on purchases and balance transfers for 12 billing cycles

Balance transfer fee

Either 3% of the amount of each transfer or $5 minimum

Annual fee

$0

Regular APR

19.74%-28.74% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 12 billing cycles

Balance transfer fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period
  • New cardholder bonus offer
  • Bonus categories

Cons

  • Complicated rewards
  • Foreign transaction fee
  • Earn 5,000 bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening!
  • 0% Intro APR on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 19.74% - 28.74%
  • Earn 4X Points per $1 spent on eligible BMW Motorrad purchases
  • Earn 3X Points per $1 spent on eligible gas station purchases
  • Earn 2X Points per $1 spent on eligible restaurant purchases
  • Earn 1X Point on all other eligible purchases

Annual fee

$0

Regular APR

19.74%-28.74% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 12 billing cycles

Balance transfer fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Annual fee

$99*

Regular APR

14.99% - 23.99%* (Variable)

Intro APR

0% intro APR* on purchases and balance transfers for 12 billing cycles.

Balance transfer fee

3%

Pros

  • No annual fee
  • Spend $500 in eligible net purchases within the first 60 days of account opening and 15,000 Genuine Rewards points will be credited to your account 6–8 weeks after the 60-day period. The 15,000 Genuine Rewards points can be redeemed for a $150 H‑D™ Gift Card.
  • Plus, get a 0% intro APR* on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 14.99%-23.99% view H-D Visa Signature terms.
  • Get up to $99 in annual credits
  • H.O.G.® members earn 2 points for every mile ridden
  • Earn 5X points at H‑D and gas stations
  • Earn 2X points at restaurants, bars and lodging
  • Earn 1X points everywhere else Visa is accepted

Annual fee

$99*

Regular APR

14.99% - 23.99%* (Variable)

Intro APR

0% intro APR* on purchases and balance transfers for 12 billing cycles.

Balance transfer fee

3%