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Annual Fee
$0
Regular APR
14.99% - 22.99% Variable APR
Intro APR
0% on Balance Transfers for 15 months
Balance Transfer Fee
4%
- It’s the perfect card if you carry a balance
- A lower interest rate than many other credit cards
- 0% intro APR on Balance Transfers for 15 months, then 14.99% - 22.99% variable APR
- No annual fee
Pros
- No annual fee
Cons
- No rewards
Annual Fee
$0
Regular APR
11.99% - 22.99% Variable APR
Intro APR
0% intro APR for 14 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
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
Annual Fee
$0
Regular APR
11.99% - 22.99% Variable APR
Intro APR
0% intro APR for 14 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.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. Based Customer Service available any time.
- 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.
- Discover is accepted nationwide by 99% of the places that take credit cards.
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.
Annual Fee
$0
Regular APR
13.99% - 23.99% Variable APR
Intro APR
0% intro APR for 12 billing cycles on purchases
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
- 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 13.99% - 23.99% Variable APR will apply
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
- 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.
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
Annual Fee
$0
Regular APR
15.49% - 25.49% Variable APR
Intro APR
0% intro APR on Purchases for 12 months
Balance Transfer Fee
$0 at this Transfer APR
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 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 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
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
Annual Fee
$0
Regular APR
14.99% - 23.74% Variable APR
Intro APR
0% intro APR for 12 months on purchases and balance transfers
Balance Transfer Fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
- Receive a $100 bonus on your statement when you spend $500 in your first six months from account opening.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- 0% Intro APR for 12 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
- No annual fee.
Pros
- Intro APR period
- No annual fee
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Has balance transfer fee
- No rewards
Annual Fee
$0*
Regular APR
14.99% - 23.99%* Variable APR
Intro APR
0%* intro APR on Purchases for 12 billing cycles* and 0% intro APR on Balance Transfers for 12 Billing cycles
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
- Earn 4X points on takeout, food delivery and dining
- Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
- $15 credit for annual streaming service purchases such as Netflix and Spotify
- No annual fee*
- 1X point per $1 on all other eligible purchases
- Low Introductory APR on purchases and balance transfers
- Points never expire
Pros
- No annual fee
- No foreign transaction fee
Cons
- No bonus rewards on entertainment
Annual Fee
$0
Regular APR
15.24% - 24.24% 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 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
- 0% intro APR on purchases and balance transfers for 12 billing cycles
Annual Fee
$0
Regular APR
15.24% - 24.24% 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!
- 0% Intro APR on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 15.24% - 24.24%.
- 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
- 0% introductory APR on purchases and balance transfers for the first 12 billing cycles
Annual Fee
$0
Regular APR
21.99%, Variable
Intro APR
0% APR for 6, 12, or 24 months, after that 21.99% standard purchase APR, minimum purchase required
- No Annual Fee
- 0% interest for 6 months on a purchase of $500 or more
- 0% interest for 12 months on a purchase of $1,500 or more
- 0% interest for 24 months on a purchase of $5,000 or more
- No pre-payment penalty
Pros
- Qualify with average credit
- No annual fee
- No foreign transaction fee
Cons
- No rewards
- High APR
