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Credit cards offering low interest can help reduce the amount you pay in interest. Many cards today offer a 0% APR (no-interest credit card) for a year or more. Here we list the best interest-free credit cards for both balance transfers and purchases, which we update monthly.
The landscape for credit cards that offer an interest-free introductory period remained stable last month. There were no major changes to 0% APR intro periods. We recently added the Citi Simplicity® Card to our list due to its long 0% APR for balance transfers. There’s no annual fee for the card, and according to the data we collected from online forums, it looks like someone with a credit score as low as 650 was approved.
We have seen the regular APR on most cards rise. So far, however, the rising rates haven’t affected the no-interest intro offers. Finally, always have a plan for your debt when the promotional rate ends. As the CFPB warns, you can end up paying a lot of interest once the 0% intro APR expires.
The following 0% APR credit cards offer no interest on balance transfers, purchases or both.
which offers 5% cash back on travel purchased through Chase Travel. The big difference is that Custom Cash doesn’t have rotating categories. Instead, you can earn 5% cash back each month on up to $500 in purchases in one of several categories.
The big deal is that you don’t have to pick the category in advance. Citi simply applies the 5% cash back to the eligible category in which you’ve spent the most each month. The result is a 5% cash-back card without the hassle of signing up every quarter or the limitation of just one or two categories qualifying each quarter.
All other purchases earn 1% cash back. There is no annual fee and a 0% APR on both purchases and balance transfers. Fair to excellent credit is required to qualify for the card.
currently offers 0% interest for 21 months on balance transfers and purchases. There is a balance transfer fee of 3% of the amount of each transfer or $5 minimum, whichever is greater, but no annual fee.
is known for one thing, a long 0% intro APR offer. It currently gives new cardholders a 0% intro APR for 21 months and 12 months on purchases. It’s one of the longest available today from any credit card. It charges no annual fee. The downside to this card is that it offers no rewards.
offers both a decent 0% rate for the first 12 months on Purchases and an even better 21 months on Balance Transfers. You won’t get any rewards, but this is a great card if you want to make a big purchase or transfer higher-rate debt.
is designed for those looking for a long 0% APR offer on purchases and excellent cash-back rewards. In addition, Chase recently added 0% balance transfers to the card. There’s no annual fee, free access to your FICO score, and a signup bonus.
offers 0% interest on purchases and balances for the first 18 months. What sets the card apart is that you can qualify to reduce your interest rate by 2% a year, until you reach 9.74% + the prime rate. To qualify to reduce your rate, you’ll need to pay your bills on time and put at least $1,000 on your card. You can also qualify for a credit limit increase after six months when you use the card responsibly and spend at least $500 on the card in the first six months.
for years. It’s been my everyday card and even put our children through college. The cash-back rewards on two college tuitions were amazing.
It pays 2% cash back on all purchases–1% when you buy and 1% as you pay your credit card bill. Pay in full every month as we do, and you earn the 2% right away.
As for its no-interest offer, you get a 0% APR for 18 months on balance transfers made within four months of account opening. After that, the variable APR will be 19.24% - 29.24%. Note that the 0% offer does not apply to purchases. There is no annual fee for this card.
It’s one of the highest-rated cards on the site.
comes with a 0% APR for and excellent cash back rewards. It’s also one of the few to come with a cash signup bonus.
doesn’t have the longest 0% intro APR on our list. In addition, it charges an annual fee after the first year. In return, however, you get excellent cash-back rewards. These include a welcome bonus and up to 6% cash back (subject to spending caps as noted below).
offers cash back and bonus cash rewards, plus you get a 0% introductory rate for 15 months on purchases and on balance transfers. There’s a $0 annual fee. Here are the details:
combines cash back and an early spend bonus with a solid 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that. It made our list of one of the
offers an excellent signup bonus and unlimited 2% cash rewards on purchases. There’s also no annual fee, and you get cell phone protection.
is a travel rewards card with a signup bonus, rewards, and no annual fee.
offers a decently long 0% APR: 18 billing cycles on purchases and on transfers made in the first 60 days. You can access your FICO score for free, so you can see how paying down your debt is affecting your credit rating. You won’t earn any rewards, but there’s no annual fee.
0% on Purchases
21 months months
0% on Balance Transfers
21 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 18.74% - 29.74%
0% on Purchases
21 months from account opening on purchases months
0% on Balance Transfers
21 months from account opening on qualifying balance transfers months
Annual Fee
$0
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Regular APR: 18.24%, 24.74% or 29.99%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: After the Balance Transfer Intro period, your Balance Transfer Fee is 4% of the amount of the transaction.
Regular APR: 16.24% - 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.49% - 29.24%
0% on Purchases
18 months
0% on Balance Transfers
18 months
Annual Fee
$0
Balance Transfer Fee: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 16.24% - 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% to 29.99%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
Regular APR: 16.49% - 25.49%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 billing cycles months
0% on Balance Transfers
18 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
18 months months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 17.24% to 26.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies
Regular APR: 19.99% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies
Regular APR: 19.99% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies
Regular APR: 19.99% - 29.99%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.49% - 29.24%
0% on Purchases
15 billing cycles months
0% on Balance Transfers
15 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Regular APR: 19.49% - 29.74%
0% on Purchases
15 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 5% of the amount of each balance transfer
Regular APR: 17.15% to 31.15%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.49%–29.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: 3% per transaction
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Regular APR: 18.74% - 28.74%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 17.24% to 28.24%
0% on Purchases
15 months
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 17.24% to 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Up to 5%
Regular APR: 17.24% - 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by August 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 17.24% to 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 months
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transaction.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 billing cycles months
0% on Balance Transfers
15 billing cycles months
Annual Fee
$0
Balance Transfer Fee: After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Regular APR: 18.24% - 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 19.24% - 29.24%
0% on Purchases
15 months from account opening months
0% on Balance Transfers
15 months from account opening on qualifying balance transfers months
Annual Fee
$0
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Regular APR: 20.24%, 25.24% or 29.99%
0% on Purchases
15 billing cycles months
0% on Balance Transfers
15 billing cycles months
Annual Fee
$0
Balance Transfer Fee: 3% of each transfer amount, $5 minimum
Regular APR: 19.24% - 28.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Introductory Fee of 3% of the amount of each transaction, for transactions made within 60 days of opening your account. After that, your fee will be: 4% of the amount of each transaction.
Regular APR: 19.24% to 29.24%
0% on Purchases
15 months
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: $0 Introductory fee for balance transfers completed within 60 days of account opening. After that, either $10 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 12.74% to 24.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 18.24% to 29.24%
0% on Purchases
15 months months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: The Introductory Balance Transfer Fee is 3% for transactions made within 60 days of opening your account. After that, your Balance Transfer Fee is 4% of the amount of the transaction
Regular APR: 18.24% to 28.24%
0% on Purchases
12 months from date of account opening months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 18.49% - 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 18.49% - 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
12 months months
Annual Fee
$0 intro annual fee for the first year, then $95.
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% - 29.99%
0% on Purchases
12 months from date of account opening months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee
Regular APR: 18.49% - 26.49%
0% on Purchases
12 months on purchases months
0% on Balance Transfers
21 months months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 18.24% - 28.99%
0% on Purchases
12 months months
0% on Balance Transfers
12 months months
Annual Fee
$0
Balance Transfer Fee: 3% of each transfer amount, $5 minimum
Regular APR: 18.24% to 29.24%
0% on Purchases
12 months on Purchases months
0% on Balance Transfers
21 months on Balance Transfers months
Annual Fee
$0
Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)
Regular APR: 19.24% - 29.99
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $0 at the Transfer APR
Regular APR: 21.24% - 29.24%
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
12 months months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 18.49% - 27.49%
0% on Purchases
12 months from account opening months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Regular APR: 20.24%, 25.24%, or 29.99%
0% on Purchases
12 months months
0% on Balance Transfers
12 months months
Annual Fee
$0
Balance Transfer Fee: Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum.
Regular APR: 17.24% to 25.24%
0% on Purchases
12 months
0% on Balance Transfers
12 months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 18.24% to 28.24%
0% on Purchases
12 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 19.24% to 29.24%
0% on Purchases
12 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 13.49%, 19.49%, 22.49% or 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 4% of each advance ($10.00 minimum)
Regular APR: 15.49% to 24.49%
0% on Purchases
12 months months
0% on Balance Transfers
N/A months
Annual Fee
$0
0% on Purchases
9 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 18.49% to 28.49%
0% on Purchases
9 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 18.49% to 28.49% variable APR
0% on Purchases
9 months months
0% on Balance Transfers
9 months months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater.
Regular APR: 20.49% - 29.49%
0% on Purchases
9 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24% to 27.24%
0% on Purchases
9 months months
0% on Balance Transfers
9 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 18.24% to 27.24%
0% on Purchases
9 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 18.49% to 28.49% variable
0% on Purchases
9 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of each advance ($10.00 minimum)
Regular APR: 17.49% to 26.49%
0% on Purchases
7 billing cycles months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 16.49% to 27.49%
0% on Purchases
6 months months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 10.99% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
Regular APR: 18.24% - 27.24%
0% on Purchases
6 months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Regular APR: 19.24% to 29.99%
0% on Purchases
6 months months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 16.49% - 26.49%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 billing cycles months
0% on Balance Transfers
6 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 billing cycles months
0% on Balance Transfers
6 billing cycles months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 16.99% - 24.99%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.24% to 28.24%
0% on Purchases
6 months months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 12.25% -18.00% variable or 18.00% fixed
0% on Purchases
6 months months
0% on Balance Transfers
None months
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee: $0 at the Transfer APR
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $0 at the Transfer APR
Regular APR: 18.49% - 24.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$195
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250‡
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$650
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%-26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 17.99% - 23.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$375
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$150
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$695
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 introductory annual fee for the first year, then $150.
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$350
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 introductory annual fee for the first year, then $150
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$350
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$695
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$39
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: N/a
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $0 at this Transfer APR
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$550
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 22.49%-29.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$69
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee for the first year, then $95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49%–28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$149
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%-28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$125
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%–28.49%
0% on Purchases
N/a months
0% on Balance Transfers
15 months months
Annual Fee
$0
Balance Transfer Fee: 5% of the amount of each balance transfer
Regular APR: 12.15% to 27.15%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each advance or $5 minimum, whichever is greater
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$650
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49%–28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee for the first year, then $99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transfer
Regular APR: 17.49% to 27.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
Regular APR: 19.49% - 27.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
18 months months
Annual Fee
$0
Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Regular APR: 19.24% - 29.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$525
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
N/a months
0% on Balance Transfers
15 months months
Annual Fee
$195
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%, 25.43% or 28.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: None, if the transfer takes place within 60 days
Regular APR: 14.90% to 18.00%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 23.99% or 30.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$175 the first year; $49 thereafter. Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Balance Transfer Fee: N/a
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$35
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$49
Regular APR: 15.24% (Variable)
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$39
Balance Transfer Fee: n/a
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$25
Balance Transfer Fee: N/a
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: The greater of $10 or 5% of each balance transfer
Regular APR: 20.24% to 29.99%,
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% - 28.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: 3% of each transaction (minimum $10)
Regular APR: 21.24% - 29.24%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 10.99% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transaction.
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$150
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24%, 25.24%, or 32.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$395
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee for the first year, $95/year thereafter.
Balance Transfer Fee: 3% of each transfer amount, $5 minimum
Regular APR: 21.24% - 29.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance transfers are not available
Regular APR: 19.99% to 29.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$60
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 13.15% to 22.95%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 21.24% - 29.24%
0% on Purchases
N/A
0% on Balance Transfers
12 months
Annual Fee
$0
Balance Transfer Fee: Intro balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, applies for the first 90 days following account opening. After that, balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24% to 30.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$199
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$550
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.74% - 28.74%
0% on Purchases
N/A months
0% on Balance Transfers
for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness months
Annual Fee
None
Balance Transfer Fee: $5 or 3% of transfer whichever amount is greater
Regular APR: 20.24%, 25.24% or 30.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
No annual fee
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$199
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
Regular APR: 19.99% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 intro annual fee the first year, $95 thereafter
Balance Transfer Fee: An introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% - 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A
0% on Balance Transfers
15 months
Annual Fee
$0
Balance Transfer Fee: $5 or 3% of transfer whichever amount is greater
Regular APR: 20.24%, 25.24% or 30.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.74, 31.24%, or 35.24%
0% on Purchases
N/A
0% on Balance Transfers
12 months
Annual Fee
$0
Balance Transfer Fee: $10.00 or 4% of the amount of each transaction, whichever is greater.
Regular APR: 19.24% to 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.49% - 28.49%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$39
0% on Purchases
N/A months
0% on Balance Transfers
for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers. months
Annual Fee
$495
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%, 25.43% or 28.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
Regular APR: 20.99% - 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
15 months months
Annual Fee
$995
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24%, 25.43% or 28.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$595
Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
Regular APR: 21.24% - 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99, waived for first 12 months
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Regular APR: 21.24% – 29.99%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$99, waived for first 12 months
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/a months
0% on Balance Transfers
12 months months
Annual Fee
No Annual Fee
Balance Transfer Fee: 3% fee applies to each transfer
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/a months
0% on Balance Transfers
12 billing cycles months
Annual Fee
$0
Balance Transfer Fee: The greater of $10.00 or 3% of the amount of each Balance Transfer
Regular APR: 16.24% - 27.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 14.74% to 17.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$95 Waived for existing Honors Advantage Members
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$195
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0 to $39
Balance Transfer Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater.
Regular APR: 19.99%-29.99%
0% on Purchases
N/A
0% on Balance Transfers
N/A
Annual Fee
$0 first year, and then $125
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 for the first year, then $95
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 19.74% to 29.74%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$650
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Up to 5% for each balance transfer, with a minimum of $5.
Regular APR: 21.49%, 24.49%, or 29.49
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$250
0% on Purchases
N/A
0% on Balance Transfers
12 months
Annual Fee
$0
Balance Transfer Fee: 0% on balances transferred within the first 60 days. After that, a balance transfer fee of 3% of each transfer amount ($5 minimum) will apply.
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.24% - 28.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
Regular APR: 19.48% or 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 27.24% variable APR
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Regular APR: 20.24% - 28.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$250
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 20.99% – 27.99% variable APR
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$49
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% - 28.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$150
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$400
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 22.24% - 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 20.99% - 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$95
Balance Transfer Fee: N/a
Regular APR: 19.49% to 28.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 5% for each balance transfer, with a minimum of $5
Regular APR: 20.99%, 25.24%, or 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$95
Balance Transfer Fee: N/a
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 33.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 19.24% to 33.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0-59
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: $5 or 5% of the amount of each transfer, whichever is greater
0% on Purchases
N/a months
0% on Balance Transfers
12 months months
Annual Fee
$0
Balance Transfer Fee: 3% per transaction
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: 5% for each balance transfer, with a minimum of $5.
Regular APR: 20.99%, 25.24%, or 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 (requires Costco membership)
Balance Transfer Fee: N/a
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% – 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
Either $10 a month ($120 a year) or $20 a month ($240 a year)
Balance Transfer Fee: N/a
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 for the first year, $95 per year thereafter
Balance Transfer Fee: 3% of each transfer amount, $5 minimum.
Regular APR: 20.24% - 28.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$550
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 21.24% - 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 18.49% to 35.99% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
Program fee of up to $95.00 (one-time fee). Annual fee of $75 for first year, after that, $48 annually. Plus a Monthly Servicing Fee of $0 for the first year, then $99 annually ($8.25 per month).
Balance Transfer Fee: N/a
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$395
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$70 per company, $25 per card
Balance Transfer Fee: 4% of the amount of each transaction.
Regular APR: 21.24% to 29.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: as low as 13.50% APR
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: as low as 13.50% APR
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% - 29.99% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: N/a
Regular APR: 18.49% to 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$99
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% or 29.99% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 16.24% – 22.24% Variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 19.24% – 27.24% variable
0% on Purchases
N/a months
0% on Balance Transfers
13 months months
Annual Fee
$0
Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Regular APR: 15.24% - 25.24% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0
Balance Transfer Fee: $5 or 3% of transfer whichever amount is greater
Regular APR: 19.24%, 24.24% or 29.24% variable
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$450
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR: 21.99% to 28.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$39
Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
0% on Purchases
0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases months
0% on Balance Transfers
N/a months
Annual Fee
$95
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Regular APR: 21.24% to 29.99%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 Introductory Annual fee for the first year, $49 after that
Balance Transfer Fee: 4% of each advance ($10.00 minimum)
Regular APR: 17.49% to 26.49%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$95, waived for the first 12 months and for Authorized Employees
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 if you don't participate in the rewards program; $50 if you do participate
Balance Transfer Fee: 17.99% APR for Balance Transfers
Regular APR: 3.99% Introductory APR for six billing cycles on purchases following the account open date. After that, 15.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 annual fee for the first 12 months. Then, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/a months
0% on Balance Transfers
N/a months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Regular APR: 21.24% to 26.24%
0% on Purchases
N/A months
0% on Balance Transfers
N/A months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 19.99% – 29.99%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$95
Balance Transfer Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Regular APR: 21.24%, 26.24%, or 29.99%
0% on Purchases
None months
0% on Balance Transfers
6 months months
Annual Fee
$0
Balance Transfer Fee: None
Regular APR: 17.25% - 18.00% variable
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$0
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 18.49% - 27.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$195
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
Regular APR: 18.49% and 27.49%
0% on Purchases
None months
0% on Balance Transfers
None months
Annual Fee
$19
Balance Transfer Fee: 3% of each advance ($10.00 minimum)
If your goal is to make a big purchase instead of paying off debt, you’ll want to pay attention to the introductory period on purchases. Sometimes, 0% APR for purchases ends before the balance transfer intro period.
A card offering 1.5% or 2% cash back on all purchases might be a better fit for you. One last note regarding cash back, check if there is a limit to how much cash back you can get. Some cards offer unlimited cash back while others have a spending cap.
*The credit score data provided for some of the cards listed above came from publicly available information in a number of forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.