Credit Cards for Balance Transfers

A Balance Transfer Credit Card can become a powerful instrument for reducing debt when you already carry a significant credit card balance. It can help you save money on interest by moving your existing debt to the Balance Transfer Credit Card.

When you move the existing balance from a high-interest credit card to the Balance Transfer Credit Card, the best Balance Transfer Credit Card offers you a 0% introductory interest rate for a period of time on the debt you move, typically the introductory time period is between 15 - 21 months. Within this time, you are not charged interest on the transferred balance, so you put more money toward the principal amount you owe, thus paying off your debt faster and improving your credit history.

It’s important to remember that most Balance Transfer Credit Cards charge a transfer fee, typically 3-5% of the debt being transferred. Make sure you factor in this balance transfer fee in your calculations when deciding to open the Balance Transfer Credit Card and move your debt to it.

Best Credit Cards

  • Slate Edge®: best for 0% intro APR on purchases and balance transfers for 18 months, with no annual fee and credit-building features like potential APR reduction and credit limit increase.
  • Reflect®: best for paying down debt, with a 21-month 0% intro APR on purchases and balance transfers + no annual fee
  • Double Cash®: best for 2% unlimited cashback on all purchases, with a sign-up bonus and 0% intro APR on balance transfer for 18 months.
  • Diamond Preferred® : our pick for a 0% intro APR period of 21 months on balance transfers
  • Simplicity®: longest period of 0% intro APR on balance transfers
  • Travel Rewards for Students: best for students who travel, offers unlimited 1.5 points per $1 on all purchases, with no annual fee, no foreign transaction fees, a sign-up bonus, and 0% intro APR for 15 months
  • Freedom Flex®: best for maximizing cashback, 5% cashback on rotating quarterly bonus categories, 3% on dining and drugstores, 1% on everything else, plus a sign-up bonus and 0% intro APR
  • BankAmericard®: best for a 0% intro APR on purchases and balance transfers for 18 months, no annual fee, and no penalty APR for missed payments.
  • BankAmericard® for Students: best for students looking to save on interest, offers a 0% intro APR on purchases and balance transfers for 18 months, no annual fee, and tools to help build responsible credit habits.
  • Freedom Unlimited®: unlimited 1.5% cashback on all purchases with no annual fee + sign-up bonus and 0% intro APR

Travel Rewards for Students

Apply now

On Bank of America's Secure Website

Travel Rewards for Students
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards Earn 1.5x points per $1 spent on all purchases.

1.5x Points

Welcome Offer Earn 25,000 bonus points after spending $1,000 in the first three months. That's worth $250 when redeemed for statement credit toward travel and dining purchases.

25,000 Points

Welcome Offer

Earn 25,000 bonus points after spending $1,000 in the first three months. That’s worth $250 when redeemed for statement credit toward travel and dining purchases.

Rewards

Earn 1.5x points per $1 spent on all purchases.

Redemption Options

Redeem points for a statement credit towards travel and dining, or use them to book your next trip.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: None.

Additional Features

  • Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
  • Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.

Terms and Conditions

Click Apply Now to see the terms and conditions.

  • Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Bank of America® Travel Rewards Credit Card for Students is a solid choice for students who want to earn flexible travel rewards without paying an annual fee. It offers unlimited 1.5 points per dollar on every purchase, with no expiration and no categories to manage. New cardholders can earn a 25,000-point welcome bonus (worth $250 toward travel and dining) after spending $1,000 in the first 3 months, along with a 0% intro APR for 15 months on purchases and balance transfers. With no foreign transaction fees, it’s a practical option for students who plan to travel or study abroad and want to build credit at the same time.

Freedom Flex®

Apply now

On Chase's Secure Website

Freedom Flex®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 5% cashback on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 5% Cashback on Chase Travel purchases.
  • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 3% Cashback on Drugstore purchases.
  • 1x Cashback on All Other Purchases.

Partner Benefits

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Redemption Options

  • Redeem rewards for cash, travel, gift cards, purchases at Amazon.com, and more.
  • Cashback rewards never expire while your account remains open and in good standing.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.99% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
  • Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Cell Phone Protection: Get up to $800 per claim and $1,000 per year in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.

Additional Features

  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Flex® Credit Card is a great option for people who want to earn cashback on everyday spending, especially if they can take advantage of changing bonus categories. You’ll earn 5% cashback on up to $1,500 in combined purchases in rotating categories each quarter (after activation), plus 5% on travel booked through Chase, 3% on dining and drugstore purchases, and 1% on everything else. It also offers a $200 bonus after spending $500 in the first 3 months and includes a 0% intro APR for 15 months on purchases and balance transfers. With no annual fee, this card is a good fit for shoppers who don’t mind tracking categories and want to get solid rewards without extra cost.

BankAmericard®

Apply now

On Bank of America's Secure Website

BankAmericard®
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR

15.24% - 25.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 15.24% - 25.24% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
    • Paying late won’t raise your APR.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The BankAmericard® Credit Card is a simple, low-interest option for people who want to pay off purchases or existing debt over time. It offers a 0% intro APR for 18 months on purchases and balance transfers made within the first 60 days, followed by a variable APR. There are no rewards and no annual fee. This card is designed to reduce interest costs while providing extra time to catch up. It’s a practical choice for anyone looking to manage their budget or consolidate balances without dealing with extra costs or complicated features.

BankAmericard® for Students

Apply now

On Bank of America's Secure Website

BankAmericard® for Students
4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR

15.24% - 25.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards N/A

N/A

Welcome Offer N/A

N/A

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 15.24% - 25.24% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
    • Paying late won’t raise your APR.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
  • Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
  • Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The BankAmericard® Credit Card for Students is a straightforward option for students who want to manage expenses or pay off a balance over time without accumulating interest. It offers a 0% intro APR for 18 months on purchases and balance transfers made in the first 60 days, followed by a variable APR. While it doesn’t earn rewards, it also doesn’t charge an annual fee, and its main strength is helping keep interest costs down. It’s a practical choice for students looking to build credit and have some flexibility while paying off purchases at their own pace.

Slate Edge®

Apply now

On Chase's Secure Website

Slate Edge®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 18 months

Balance Transfers: 0%, 18 months

Regular APR

18.99% - 28.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Welcome Offer

  • Raise Your Credit Limit: As a special welcome offer, you’ll automatically be reviewed for a higher credit limit when you pay on time and spend $500 within your first six months.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.99% - 28.99% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Partner Benefits

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Lower Your APR by 2% Each Year: Automatically be considered for a 2% APR reduction each year when you pay on time and spend at least $1,000 by your account anniversary, until your APR reaches the Prime Rate plus 9.74%. Check the current Prime Rate click (here)[https://big4credit.com/economic-indicators/prime-rate/].
  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity, with alerts sent via text, email, or phone if suspicious purchases are detected.
  • Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
  • Contactless Payments: Tap to pay quickly and securely with your contactless Chase card at checkout, no swiping or inserting needed.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Slate Edge℠ Credit Card is designed for people who want to avoid interest while paying off purchases or existing balances. It comes with a 0% intro APR for 18 months on purchases and balance transfers, which can help if you need extra time to pay things down. There aren’t any rewards, but it does include a few practical features like the potential to lower your interest rate over time if you pay on time and meet a yearly spending minimum. With no annual fee, it’s a straightforward option that can be helpful if your main goal is to reduce interest and manage debt more easily.

Reflect®

Apply now

On Wells Fargo's Secure Website

Reflect®
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 21 months

Balance Transfers: 0%, 21 months

Regular APR

17.24% - 28.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 21 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 120 days.
  • Regular APR: After the introductory period, a variable APR of 17.24% - 28.99% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

  • Travel Benefits: Includes Auto Rental Coverage and Roadside Assistance.

Purchase Protections

  • Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

Exclusive Offers

  • My Wells Fargo Deals: Access personalized offers from popular merchants and earn cashback as a statement credit when you activate a deal and use your eligible Wells Fargo credit card.

Additional Features

  • Emergency cash disbursement and card replacement, zero liability protection and free credit score and identity monitoring with Credit Close-Up®.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Wells Fargo Reflect® Card is a smart pick for individuals focused on paying down debt or managing large purchases over time. It offers one of the longest 0% intro APR periods on the market, 0% APR for 21 months from account opening on purchases and qualifying balance transfers, followed by a variable APR. While it doesn’t earn rewards, its standout intro APR and no annual fee make it an ideal choice for those who want breathing room to pay off balances without interest. This card is best suited for budget-conscious users looking for financial flexibility rather than ongoing perks or cashback.

Double Cash®

Apply now

On Citi's Secure Website

Double Cash®
4.5

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations. Limited-time 5% cashback on travel bookings: Earn 5% cashback on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through 12/31/25.

2% - 5% Cashback

Welcome Offer Earn $200 cashback after spending $1,500 in the first six months.

$200

Welcome Offer

Earn $200 cashback after spending $1,500 in the first six months.

Rewards

  • 2% Unlimited Cashback: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations.
  • Limited-Time 5% Cashback on Travel Bookings: Earn 5% cashback on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through 12/31/25.

Redemption Options

Redeem points for cashback, gift cards, travel, purchases, and more.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
  • Regular APR: 18.24% - 28.24% Variable APR.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers completed within the first 4 months.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

  • Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

  • 24/7 customer service, contactless checkout, compatibility with digital wallets, zero liability protection, and fraud protection. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Citi Double Cash® Card is a top choice for people who want a simple, no-annual-fee rewards card with strong everyday value. It offers 2% cashback on all purchases: 1% when you buy and another 1% when you pay, without any categories to track or activate. While it doesn’t come with travel perks or a flashy welcome bonus, its straightforward earning structure and flexibility make it appealing for budget-conscious users and those who prefer low-maintenance rewards. This card is ideal for anyone seeking consistent cashback on all spending.

Freedom Unlimited®

Apply now

On Chase's Secure Website

Freedom Unlimited®
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

Rewards

  • 5% Cashback on Travel purchased through Chase Travel℠.
  • 3% Cashback on Select Categories:
    • 3% Cashback on Drugstore Purchases.
    • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 1.5% Cashback on All Other Purchases.

Partner Benefits

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Redemption Options

Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.99% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

Includes Auto Rental Coverage, Travel and Emergency Assistance Services, and Trip Cancellation/Interruption Insurance.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Zero liability protection, 24/7 fraud monitoring, contactless checkout, free credit score and identity monitoring with Credit Journey®, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Unlimited® card is best suited for everyday spenders who want straightforward cashback without keeping track of rotating categories. It earns an unlimited 1.5% cashback on most purchases, with elevated rewards on dining, drugstore purchases, and travel booked through Chase. While it lacks premium travel perks, it offers strong value for those who prefer simplicity and flexibility, especially with no annual fee and the ability to pair it with a Chase Sapphire card to boost point value. This card is ideal for people who want steady, hassle-free rewards on all their spending.

Diamond Preferred®

Apply now

On Citi's Secure Website

Diamond Preferred®
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

17.24% - 27.99% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 17.24% - 27.99% applies to purchases and balance transfers.
  • Choose Your Payment Due Date: Select your bill payment date at the beginning, middle, or end of the month for flexibility in managing your payments.
  • Citi Entertainment®: Access tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sports events, dining, and more.
  • Additional Features: Include 24/7 customer service, automatic account alerts, digital wallets, contactless pay, Mastercard® ID Theft Protection™, free access to your FICO score, and $0 liability on unauthorized charges.
  • Click ‘Apply Now’ to see the full terms and conditions.
Citi® Diamond Preferred® is the leader of long 0% APR intro offers for balance transfers.

Simplicity®

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Simplicity®
4.1

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

18.24% - 28.99% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 18.24% - 28.99% applies to purchases and balance transfers.
  • No Penalty APR and No Late Fees: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
  • Additional Features: Include automatic account alerts, contactless pay, Digital Wallets, 24/7 customer service, ID Theft Protection, and $0 liability on unauthorized charges.
  • Click ‘Apply Now’ to see the full terms and conditions.
Citi Simplicity® card is the leader of long 0% APR intro offers for balance transfers.




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