Comparecredit cardsfor
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Other fees
Card network
Financial institution
Find the right credit card for you.
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
16.74%-27.74% Variable APR
0% intro APR for 15 months on purchases and balance transfers
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
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.
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)*
- 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.
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
16.74%-27.74% Variable APR
0% intro APR for 15 months on purchases and balance transfers
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
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.
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)*
- 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.
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Low rewards rate
- Spending caps on bonus rewards
- Lower acceptance abroad
on US Bank's website
on US Bank's website
$0
19.24%-29.24% Variable APR
0% intro APR for 15 billing cycles on purchases and balance transfers
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
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.
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
- $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.
Pros
- No annual fee
- Bonus categories
- High rewards rate
Cons
- Complicated rewards
on Wells Fargo's website
on Wells Fargo's website
$0
19.74%, 24.74%, or 29.74% Variable 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
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
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
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
- 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
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus categories
on Citibank's application
on Citibank's application
$0
18.74%-29.49% Variable APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
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
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
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.
- 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
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
on Citibank's application
on Citibank's application
$0
17.74%-28.49% Variable APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
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
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.
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.
- 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.
Pros
- No annual fee
- Intro APR period
- Intro balance transfer fee
Cons
- Requires good/excellent credit
- No rewards
on Wells Fargo's website
on Wells Fargo's website
$0
19.74%, 24.74%, or 29.74% Variable APR
0% intro APR on Purchases for 12 months
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
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.
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
- 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.
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
$0
19.74%-28.74% Variable APR
0% intro APR on purchases and balance transfers for 12 billing cycles
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
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.
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
- 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.
Pros
- Qualify with average credit
- No annual fee
- Intro APR period
- New cardholder bonus offer
- Bonus categories
Cons
- Complicated rewards
- Foreign transaction fee
$0
19.74%-28.74% Variable APR
0% intro APR on Purchases and Balance Transfers for 12 billing cycles
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
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.
- 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
Pros
- Qualify with average credit
- No annual fee
- Intro APR period
- New cardholder bonus offer
- Bonus categories
Cons
- Complicated rewards
- Foreign transaction fee
$99*
14.99% - 23.99%* (Variable)
0% intro APR* on purchases and balance transfers for 12 billing cycles.
3%
Pros
- No annual fee
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%
- 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
Pros
- No annual fee