Kira Brecht is a credit card expert whose financial advice has been featured on Forbes, US News & World Report, Investor’s Business Daily and Yahoo! Finance.
*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Do you have high-interest credit card debt you're struggling to pay off?
You're not alone. In 2020, 57% of U.S. households carried a balance on their active credit card accounts. If you're suffering from high interest rate charges, transfer your debt to one of these balance transfer cards with 0% intro APR and start saving money.
Benefits: This $0 annual fee card towers above others with one of the longest periods of 0% intro APR on balance transfers available. Take advantage of an ultra-long intro APR of 0% for 21 months on Balance Transfers, then 17.49% - 28.24% (Variable) APR after that. And if you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing intro APR of 0% for 12 months on Purchases and then 17.49% - 28.24% (Variable) APR after that. Take up to a full year to pay down your balance without worrying about interest piling up. Plus, enjoy extra features that are usually only available on premium high-annual fee cards. 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.
The Bottom Line: This is a simple, yet very powerful credit card. If you are interested in transferring a balance to a 0% intro APR card, this is our highest rated card for anyone carrying a large balance. The extra interest-free time could allow you to make significantly more headway paying down your balance. With its long-term 0% intro APR you can save hundreds in interest charges.
Click "APPLY NOW" to apply online or call 866-553-0847. TTY: Use 711 or other Relay Service.
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 17.49% - 28.24%, 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.
Benefits: The Wells Fargo Active Cash® Card is an absolute game-changer in the rewards space with the most impressive unlimited cash back rate we’ve ever seen on a no-annual-fee card. It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. So if you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it.
But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash® Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 19.49%, 24.49%, or 29.49% variable APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, then 19.49%, 24.49%, or 29.49% variable APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.
The Bottom Line: This card’s high rate of unlimited cash back rewards makes it unique among no annual fee cards – if you’re looking for the best unlimited cash back card on the market, you’ve found it.
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
Highlights
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 19.49%, 24.49%, or 29.49% 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
Benefits: Transfer your high-interest balance to this card with intro APR
0% Intro APR for 15 months then 16.49% - 27.49% Variable APR.
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 Then, 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. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600! Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% Intro APR for 15 months then, 16.49% - 27.49% Variable APR after that. Get all this for $0 annual fee.
The Bottom Line: When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. Not only can you earn generous cash back rewards, this card comes with long 0% intro APR on balance transfers and purchases.
0% Intro APR for 15 months on purchases and Balance Transfers, then 16.49% - 27.49% Variable APR.
Rewards Rate
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.
Sign-Up Bonus
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.
Highlights
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 16.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover’s website to see terms and conditions.
Benefits: The Citi Custom Cash℠ Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits and over a year of 0% intro APR on purchases and balance transfers. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
The Citi Custom Cash℠ Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on purchases, then 18.49% - 28.49% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on balance transfers, then 18.49% - 28.49% (Variable) APR after that intro period is up. Even better, this card also sports a $0 annual fee.
The Bottom Line: This card really surprised us with its unique and innovative rewards program, and its extensive suite of other features make it one you shouldn’t miss. If don’t want to bother with remembering to enable your rotating cash back categories, this is the ideal card for you.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 18.49% - 28.49% (Variable)
Highlights
Click "APPLY NOW" to apply online or call 800 408-4901. Speech/hearing impaired: 711 or other Relay Service
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
Benefits: The Bank of America® Customized Cash Rewards credit card starts off with lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 18 billing cycles for purchases and then 17.49% - 27.49% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days and then 17.49% - 27.49% Variable APR on balance transfers after that intro period is up.
But where this card really shines is in its unique three-tiered rewards program. You can earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since this card has no annual fee, you can maximize your rewards without having to worry about extra costs.
Bottom Line: The Bank of America® Customized Cash Rewards credit card is one of our favorites because of its incredibly robust and flexible cash back program. If you find yourself wanting to switch up your spending frequently, this a card you shouldn’t pass up.
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
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.
Benefits: This card just upped its game, extending the intro APR period, making it one of the best balance transfer cards now available.
Take advantage of extra-long intro APR on purchases and balance transfers with this $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 21 billing cycles for purchases then 15.49% - 25.49% Variable APR. That means no monthly interest charges will pile up during the promo period. Plus, stop paying high interest charges with 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days then 15.49% - 25.49% Variable APR on balance transfers so your payments can go entirely toward reducing your debt for over a year.
The Bottom Line: This easy-to-use card gives you tools to regain control over your financial life and puts time on your side to pay down debt faster. Unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Access your FICO® Score for free within Online Banking or your Mobile Banking app.
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.
Benefits: Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi.
For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with an intro APR of 0% for 21 months on Balance Transfers; after that, an APR of 18.49% - 29.24% (Variable) applies. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR of 0% for 12 months on Purchases, then 18.49% - 29.24% (Variable) APR after that. Citi keeps it simple. It’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.
Bottom Line: With its long-term 0% intro APR you could save hundreds in interest charges and pay off your debt faster. If you forget a payment, this card can save you money with $0 late fees, most credit cards charge around $35 for a late payment fees. Citi Simplicity® Card has one of the longest intro APR periods available and is one of the easiest credit cards to use.
Click "APPLY NOW" to apply online or call 877-886-4537. TTY: Use 711 or other Relay Service.
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 18.49% - 29.24%, 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 balances transfers completed within 4 months of account opening.
Benefits: The Discover it® Balance Transfer credit card offers a blockbuster combination of 0% intro APR on purchases and balance transfers with the opportunity to 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. And that rewards program only gets better when you consider this card's astonishing sign-up feature: 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. While this card has an incredibly competitive suite of rewards, where the Discover it® Balance Transfer credit card really sets itself apart from the competition comes in the form of the long periods of 0% intro APR on offer for both purchases and balance transfers. If you want to transfer debt from a high-interest credit card, you can enjoy an intro APR of 0% Intro APR for 18 months on balance transfers, 16.49% - 27.49% Variable APR after that. Even better, you can use all that extra interest-free time combined with the cash-back rewards you'll earn to pay down your debt even faster! Plus, enjoy added flexibility on purchases with an intro rate of 0% intro apr for 6 months, followed by 16.49% - 27.49% Variable APR.
The Bottom Line: If you looking for a balance transfer credit card that teams up with a cash back rewards system, this card is right up your alley. It has a unique sign-up bonus system that doubles your cash back at the end of your first year. So if you’re in the market for a rewards card and would like to transfer your current balance, this card is perfect for you.
0% Intro APR for 18 months on balance transfers, then 16.49% - 27.49% Variable APR
Rewards Rate
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.
Sign-Up Bonus
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.
Highlights
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.
No annual fee.
Click through to Discover’s website to see terms and conditions.
Benefits: Turbo charge your plans to ditch debt with this easy-to-use card. Use the cash-back rewards to pay down your debt faster! Earn cash in two ways when you use this card. First, get a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Second, you'll take home an unlimited 1.5% cash back on every purchase, every day; 5% cash back on hotels and rental cars booked through capital one travel (terms apply). No headaches remembering rotating bonus categories, you will earn cash on everything you buy. Pile those unlimited cash rewards back onto your balance and say goodbye to your debt faster! This card offers 0% intro on balance transfers for 15 months then 19.24% - 29.24% (Variable) APR. Get 0% intro on purchases for 15 months then 19.24% - 29.24% (Variable) APR
with this card! There is a 3% balance transfer fee, but the cash rewards could easily offset that over the long run.
The Bottom line: This card is a great choice if you want to earn cash back rewards, while enjoying long 0% intro APR. If your credit has a few blemishes, don't worry. This card is a fantastic option if you have good credit. The $0 annual fee makes it a cost-effective choice for ditching debt.
Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Intro APR
0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). 0% intro on balance transfers for 15 months, then 19.24% - 29.24% (Variable)
Cash Back Details
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Benefits: This credit card has an intro APR of 0% for 18 months on Balance Transfers, then 18.49% - 28.49% (Variable), no annual fee and only requires good credit. That’s not even the best part. This card earns you 1% cashback on everything with no limit, and another 1% when you pay off your bills at the end of the month!
Unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases makes this card one of the best credit cards for balance transfers and cash back rewards. It’s great for transferring high-interest debt, and getting cash back for any purchases without having to worry about rotating categories.
You can save over $800 in interest charges if you transfer $5,000 in interest accruing charges at a 20% APR. On top of that, if you spend $500 each month on common purchases you can earn $5 on purchase and another $5 when you pay it off. That’s $120 in annual rewards!
The Bottom Line: The Citi Double Cash card is an industry leader for cash back rewards with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
When you add in the intro APR of 0% for 18 months on Balance Transfers you’re looking at a very powerful card that you can use to save money on high-interest debt, then use as a cash rewards card afterwards. All of this make this card one of our most popular offers.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase & BT APR
18.49% - 28.49% (Variable)
Highlights
Click "APPLY NOW" to apply online or call 888-343-4081. Speech/hearing impaired: 711 or other Relay Service
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Benefits: If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect® Card has you covered with 18 months of 0% intro APR on purchases followed by an ongoing 17.49% - 29.49% variable APR after that. But where this card really sets itself apart is by giving you the opportunity to extend that already top-shelf savings period by up to another 3 months if you make all your minimum monthly payments on-time; that has the potential for an outstanding 0% intro APR up to 21 months from account opening - almost two years!
And the same offer applies to balance transfers as well – if you’re transferring a balance from a different high-interest credit card, you could get 0% intro APR up to 21 months from account opening on qualifying balance transfers if you make all your minimum monthly payments, with the same 17.49% - 29.49% variable APR after that. This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.
The Bottom Line: We're really excited about the Wells Fargo Reflect® Card because it's laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.
0% intro APR up to 21 months from account opening on qualifying balance transfers
Highlights
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.49% to 29.49% variable APR thereafter; 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
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).
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Select “Apply Now” to learn more about the product features, terms and conditions
Benefits: Take advantage of intro APR 0% for 15 months on purchases then 17.99% - 27.99% (variable) and intro APR 0% for 15 months on balance transfers then 17.99% - 27.99% (variable).
Earn more points on every purchase (even the little ones). The Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
The Bottom Line: This attractive new rewards card from Citi includes long zero intro interest on both purchases and balance transfers, a nice sign-up bonus all with $0 annual fee. This is a great everyday rewards card with an attractive balance transfer offer.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Benefits: The U.S. Bank Altitude® Go Visa Signature® Card is a great choice for nearly everyone – right off the bat, this card makes transferring your current credit card balance easy with 0% for 12 billing cycles on balance transfers and a 19.74% - 28.74% (Variable) rate once the intro period is over.
Where this card really shines though is in its rewards. Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. Plus, all this comes with no annual fee.
The Bottom Line: Between an outstanding sign-up bonus, strong ongoing rewards and competitive intro APR period on balance transfers, the U.S. Bank Altitude® Go Visa Signature® Card is a great choice across the board.
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Rewards Rate
Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
Intro APR
0% for 12 billing cycles on purchases, then 19.74% - 28.74% (Variable) and 0% for 12 billing cycles on balance transfers, then 19.74% - 28.74% (Variable)
Intro Offer: 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.
4X points on dining, takeout, and restaurant delivery.
2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
1X point on all other eligible purchases.
0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.74% - 28.74%.
Benefits: This balance transfer card comes with a generous on-going cash-back rewards. Use that cash-back to help pay down your debt faster. The Chase Freedom Unlimited® card comes with a long 0% Intro APR on Balance Transfers for 15 months, followed by an ongoing 19.49% - 28.24% Variable APR. Plus, you get flexibility with 0% Intro APR on Purchases for 15 months, with 19.49% - 28.24% Variable APR after that intro period is up. The standout features that set this apart from other low interest offers are the rich cash rewards. Cardholders enjoy 5% cash back on travel purchased through chase ultimate rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Just think how much faster you can pay down your balance with the big cash back rewards. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.
The Bottom Line: This is an enticing balance transfer offer, with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goal faster.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Introductory APR
0% Intro APR on Purchases for 15 months on purchases
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Benefits: If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 18.74%-29.74% Variable APR after that - this long 0% APR period means you won't have to worry about interest charges piling up for more than a year. It's the same for balance transfers: an intro APR of 0% on balance transfers for 15 months, then 18.74%-29.74% Variable APR.
The Bottom Line: This is a valuable $0 annual fee cash back card that rewards you for things you buy every day - it's just that easy.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards Rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Apply now for one of these top balance transfer cards and say goodbye to high interest credit card debt.
Methodology
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, welcome offer, the interest rate, fees and other features to identify the best offers shown here.
At CompareCards.com, our mission is to help people make more informed financial decisions each and every day. Since we first launched back in 2005, we have been focused on helping our users research, compare and apply for the right credit card for their needs. We pride ourselves on providing resources born out of thorough research and expert guidance – even if we aren’t able to cover every single credit card or issuer on our site.
We’re able to provide our tools and reviews free of charge and accessible to anyone because our partners compensate us. This compensation can impact where products from our partners show up on our site and which products we choose to feature but doesn’t have any influence over our reviews or opinions – our partners cannot and do not compensate us for positive reviews or impressions. Comparecards.com is dedicated to providing independent and unbiased information on how to help people meet their financial goals.
About Our Ratings
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Excellent Credit
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Good Credit
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Fair Credit
Between 600 - 659
Credit cards for fair credit are intended for those with a credit score between 600 - 659.
Poor Credit
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
No/Limited Credit
- - -
Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
Your Free Credit Score
No credit card required
Learn the 6 factors that impact your score
Find out how much you could save on your credit accounts