on Discover's website
Intro APR
0% on Purchases and Balance Transfers for 14 months
Regular APR
13.49% - 24.49% Variable APR
Annual fee
$0
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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on Discover's website, or call (800) 347-0264
on Discover's website, or call (800) 347-0264
Annual Fee
$0
Regular APR
13.49% - 24.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 14 months
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Pros
- Cash back match at the end of your first year
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
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
Pros
- Cash back match at the end of your first year
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
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
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- View Rates and Fees
on Discover's website, or call (800) 347-0264
on Discover's website, or call (800) 347-0264
Annual Fee
$0
Regular APR
13.49% - 24.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 14 months
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- No foreign transaction fee
Cons
- Requires good/excellent credit
- Discover cards are not widely accepted outside of the U.S.
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- No foreign transaction fee
Cons
- Requires good/excellent credit
- Discover cards are not widely accepted outside of the U.S.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 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.
- 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.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- View Rates and Fees
on Discover's website
Intro APR
0% on Purchases and Balance Transfers for 14 months
Regular APR
13.49% - 24.49% Variable APR
Annual fee
$0
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
on Amalgamated Bank of Chicago's website
on Amalgamated Bank of Chicago's website
Annual Fee
$0
Regular APR
14.40% - 24.40% Variable APR
Intro APR
0% on Purchases for 12 months and Balance Transfers for 18 months
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Pros
- Intro APR period on Purchases and Balance Transfers
- No Annual Fee
- Qualify with average credit or better
- Sign-up bonus
Cons
- Fee of 3% of each balance transfer (minimum $5)
- Poor cash-back redemption option
- If you value simplicity, a flat-rate card may be better
Pros
- Intro APR period on Purchases and Balance Transfers
- No Annual Fee
- Qualify with average credit or better
- Sign-up bonus
Cons
- Fee of 3% of each balance transfer (minimum $5)
- Poor cash-back redemption option
- If you value simplicity, a flat-rate card may be better
- 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee or Foreign Transaction Fee
- Select Your Rewards Your Way
on Amalgamated Bank of Chicago's website
Intro APR
0% on Purchases for 12 months and Balance Transfers for 18 months
Regular APR
14.40% - 24.40% Variable APR
Annual fee
$0
Balance Transfer Fee
3% of each balance transfer; $5 minimum
on Amalgamated Bank of Chicago's website
on Amalgamated Bank of Chicago's website
Annual Fee
$0
Regular APR
10.75% Variable
Intro APR
0% on Purchases for 12 months and Balance Transfers for 18 months
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Fee of 3% of each balance transfer (minimum $5)
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Fee of 3% of each balance transfer (minimum $5)
- 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
on Amalgamated Bank of Chicago's website
Intro APR
0% on Purchases for 12 months and Balance Transfers for 18 months
Regular APR
10.75% Variable
Annual fee
$0
Balance Transfer Fee
3% of each balance transfer; $5 minimum
on Bank of America's website, or call (800) 211-3740
on Bank of America's website, or call (800) 211-3740
Annual Fee
$0
Regular APR
16.49% - 24.49% Variable APR
Intro APR
0% on Purchases for 12 billing cycles
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Pros
- No annual fee and no foreign transaction fees
- Generous flat rewards rate on all purchases
- Flexibility to book travel how you want
- Rewards accelerator if you bank with Bank of America or invest with Merrill
Cons
- More restrictive than a straight cash back card
- If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards
Pros
- No annual fee and no foreign transaction fees
- Generous flat rewards rate on all purchases
- Flexibility to book travel how you want
- Rewards accelerator if you bank with Bank of America or invest with Merrill
Cons
- More restrictive than a straight cash back card
- If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.49% - 24.49% Variable APR will apply
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
on Bank of America's website
Intro APR
0% on Purchases for 12 billing cycles
Regular APR
16.49% - 24.49% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
on American Express's website
on American Express's website
Annual Fee
$95
Regular APR
14.49% - 25.49% Variable APR
Intro APR
0% intro APR on Purchases and Balance Transfers for 12 months
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Pros
- Leading cash-back rewards at U.S. supermarkets
- Rich bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- $25 minimum redemption
Pros
- Leading cash-back rewards at U.S. supermarkets
- Rich bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- $25 minimum redemption
- Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- NEW 6% Cash Back on select U.S. streaming subscriptions.
- NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
- Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
- $95 annual fee.
- Terms Apply.
- View Rates and Fees
on American Express's website
Intro APR
0% intro APR on Purchases and Balance Transfers for 12 months
Regular APR
14.49% - 25.49% Variable APR
Annual fee
$95
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
on Capital One's website
on Capital One's website
Annual Fee
$0
Regular APR
13.49% - 23.49% Variable APR
Intro APR
0% on Purchases for 12 months
Balance Transfer Fee
$0
Pros
- No annual fee
- Intro APR period on Purchases
- Flexible rewards redemption
- No foreign transaction fees
Cons
- Other no-annual-fee cards offer a better flat rewards rate
- Reward value reduced if you want cash back
Pros
- No annual fee
- Intro APR period on Purchases
- Flexible rewards redemption
- No foreign transaction fees
Cons
- Other no-annual-fee cards offer a better flat rewards rate
- Reward value reduced if you want cash back
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 12 leading travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that
See if you qualify for a better offer with Capital One:
on Capital One's website
Intro APR
0% on Purchases for 12 months
Regular APR
13.49% - 23.49% Variable APR
Annual fee
$0
Balance Transfer Fee
$0
on Citibank's application
on Citibank's application
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR
Intro APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Pros
- No late fee
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Pros
- No late fee
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
on Citibank's application
Intro APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
Regular APR
16.24% - 26.24% Variable APR
Annual fee
$0
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
on Citibank's application
on Citibank's application
Annual Fee
$0
Regular APR
15.24% - 25.24% Variable APR
Intro APR
0% on balance transfers for 21 months
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
- 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.
- 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 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
on Citibank's application
Intro APR
0% on balance transfers for 21 months
Regular APR
15.24% - 25.24% Variable APR
Annual fee
$0
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
Regular APR
18.24% - 25.24% Variable APR
Intro APR
N/A
Balance Transfer Fee
5%
Pros
- No annual fee
Cons
- High APR
Pros
- No annual fee
Cons
- High APR
- Earn 1% back on purchases to redeem for cash back, gift cards, travel or merchandise.
- Double your rewards: Redeem your rewards into a First National checking, savings, mortgage or NEST 529 account for a higher value of 2% back.
- Earn up to a $50 bonus: Make a purchase in the first three billing cycles, and you’ll earn enough rewards to redeem for $25 in cash back, gift cards, travel or merchandise.
Intro APR
N/A
Regular APR
18.24% - 25.24% Variable APR
Annual fee
$0
Balance Transfer Fee
5%
