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

  • Simplicity®: longest period of 0% intro APR on balance transfers
  • Diamond Preferred® : our pick for long intro APR savings, offers 0% APR for 21 months on balance transfers and 12 months on purchases, with no annual fee
  • 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.
  • Shield™ Visa®: best for long 0% intro APR on purchases and balance transfers for 24 months + strong protection benefits.
  • Reflect®: best for paying down debt, with a 21-month 0% intro APR on purchases and balance transfers + no annual fee
  • Altitude® Connect Visa Signature®: best for well-rounded travel rewards, earn up to 5x points on travel, enjoy airport lounge access, TSA PreCheck®/Global Entry credit, no foreign transaction fees, no annual fee, 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.
  • Savor Rewards: best for food and fun lovers, offes unlimited 3% cashback on dining, entertainment, streaming, and grocery stores + sign-up bonus and 0% intro APR.
  • 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.

Simplicity®

Apply now

On Citi's Secure Website

Simplicity®
4.0

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

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 21 months from account opening on balance transfers completed within the first 4 months.
  • Regular APR: After the introductory period, a variable APR of 18.24% - 28.99% applies to purchases and balance transfers.
    • Paying late won’t raise your APR.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made 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.
  • Late Payment: No fee if you miss a payment.

Additional Features

  • 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.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
  • 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.
  • Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
  • 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 Customer Service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Citi Simplicity® Card is a straightforward option for people who want extra time to pay off balances without worrying about fees. It offers a 0% intro APR for 21 months on balance transfers (if completed within 4 months of account opening) and 12 months on purchases, followed by a variable APR. There’s no annual fee, no late fees, and no penalty APR, making it especially helpful if you need flexibility while managing debt. While it doesn’t earn rewards, its long intro APR and fee-friendly terms make it a practical choice for anyone focused on paying down balances with less stress.

Diamond Preferred®

Apply now

On Citi's Secure Website

Diamond Preferred®
4.1

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

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 21 months from account opening on balance transfers completed within the first 4 months.
  • Regular APR: After the introductory period, a variable APR of 17.24% - 27.99% 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.

Exclusive Offers

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

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.
  • Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
  • 24/7 Customer Service.
  • 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.
  • Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
  • 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.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Citi® Diamond Preferred® Card is a good fit for people who want to pay off debt or finance large purchases without interest piling up. It offers a long 0% intro APR for 21 months on balance transfers (if completed within the first 4 months) and 12 months on purchases, followed by a variable APR. It’s best for those focused on reducing interest costs rather than earning cashback or travel perks.

Altitude® Connect Visa Signature®

Apply now

On U.S. Bank's Secure Website

Altitude® Connect Visa Signature®
5.0

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.

U.S. Bank Extendpay® Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center. Earn 4x points on travel and gas stations/EV charging stations, 2x points on dining, select streaming services, and grocery store purchases, and 1x point on all other eligible purchases.

1x - 5x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.

20,000 Points

Welcome Offer

Earn 20,000 bonus points after spending $1,000 in the first three months.

Rewards

  • 5x Points on Prepaid Travel: Earn 5x points on prepaid hotels and car rentals booked directly through the Altitude Rewards Center with your card.
  • 4x Points on Travel.
  • 4x Points at Gas Stations and EV Charging Stations: Earn 4x points on the first $1,000 in combined purchases each quarter at gas stations and EV charging stations.
  • 2x Points on Dining.
  • 2x Points on Select Streaming Services.
  • 2x Points on Grocery Stores.
  • 1x Points on All Other Purchases.

Lounge Access

  • Priority Pass™ Select Membership: Enjoy complimentary membership with 4 free visits per year to 1,700+ airport lounges and experiences worldwide.
  • SmartDelay Airport Lounge Access: If your flight is delayed by more than two hours, enjoy complimentary access to 1,500+ airport lounges across 500 airports in 100+ countries.

Redemption Options

  • Flexible Redemption Options: Redeem points for travel, gift cards, merchandise, statement credits, or deposits to an eligible U.S. Bank account. You can also donate to charity with a 100% match. Maximum point value applies to travel and U.S. Bank account deposit redemptions.
  • Real-Time Rewards: Instantly redeem your rewards at the point of purchase, turning everyday spending into immediate savings.

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 Intro APR on balance transfer, you must make balance transfer 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.
  • Balance Transfer Fees: $5 or 3% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Exclusive Offers

  • Shopping Deals: Earn extra cashback when you shop online at 1,100+ stores through the Rewards Center using your U.S. Bank Cash+® Visa Signature credit card.
  • Visa Infinite® Golf Benefit by Troon®: Play at 20+ private Troon Privé clubs for $99 per player with up to 3 guests. Enjoy complimentary Platinum Troon Rewards® status and save 20% or more on golf fees, merchandise, and lessons.
  • Sofar Sounds Access: Enjoy 7-day Visa Exclusive Presale access to select Sofar Sounds shows, plus get one free ticket with the purchase of at least one ticket during the presale window.
  • Universal Studios Hollywood Offers: Get special benefits when you use your eligible Visa® card at Universal Studios Hollywood, Visa is the preferred way to pay. Offers are subject to availability and terms and conditions.
  • Universal Orlando Resort Offers: Use your eligible Visa® card, the preferred way to pay at Universal Orlando, to unlock special benefits during your visit. Offers are subject to availability and terms and conditions.
  • Discounted Gift Cards: Receive 5% off a select assortment of name-brand gift cards when you shop at The Gift Card Shop using your U.S. Bank card.

Travel Benefits

  • Global Entry/TSA PreCheck® Fee Reimbursement: Get up to $100 every four years for the application fee.
  • GigSky Global Mobile Data: Stay connected while traveling with a complimentary 5GB/15 day global mobile data plan via the GigSky app, available in 125+ countries. One plan can be activated at a time, and the benefit must be redeemed by November 11, 2025.
  • Visa Signature® Car Rental Privileges: Get up to 25% off base rates at Avis and Budget when you book with your Visa Signature® card. Enjoy perks like complimentary upgrades (when available), waived additional driver fees, and 10% off XM Satellite Radio during your rental.
  • Visa Signature® Luxury Hotel Collection: Enjoy premium benefits when booking through the Visa Signature Luxury Hotel Collection with your Premium Rewards® card.
  • Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
  • Trip Delay Reimbursement: Get reimbursed up to $300 per ticket if your air travel is delayed more than 12 hours or requires an overnight stay. Coverage applies to delays caused by weather, mechanical issues, and more, even if the airline provides vouchers.
  • Visa Signature® Concierge: Enjoy 24/7 complimentary concierge service to help with booking flights, hotels, transportation, event tickets, dining reservations, golf tee times, and more.
  • 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.)
  • 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.

Additional Features

  • U.S. Bank ExtendPay® Plan: Split eligible purchases into predictable monthly payments with no interest, just a small fixed monthly fee.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Paze℠: Simplify online checkout by keeping all your eligible cards in one secure place. Your card number is replaced with a unique identifier for added protection, no new passwords or enrollment required.
  • 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.
  • Free Credit Score Access: View your credit score for free, updated monthly in your Mobile Banking app or Online Banking.
  • 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 U.S. Bank Altitude® Connect Visa Signature® Card is a strong option for travelers who want to earn rewards on both everyday purchases and trips. It offers 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 4x on travel, gas stations, and EV charging stations, 2x on groceries, dining, and streaming, and 1x on everything else. New cardholders can earn a 20,000-point bonus after spending $1,000 in the first three months. The card has no annual fee, includes 0% intro APR for 15 months, and comes with useful travel perks like four complimentary visits per year to Priority Pass™ airport lounges, Global Entry or TSA PreCheck® fee reimbursement, and protections like trip cancellation and delay coverage. With no foreign transaction fees, it's a well-rounded card for people who want to travel more comfortably without the high cost of a premium card.

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.

Savor Rewards

Apply now

On Capital One's Secure Website

Savor Rewards
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.

1% - 8% 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

  • 3% Cashback on Select Categories:
    • 3% Cashback on Grocery Stores.
    • 3% Cashback on Dining.
    • 3% Cashback on Entertainment.
    • 3% Cashback on Select Streaming Services.
  • 8% Cashback on Capital One Entertainment purchases.
  • 5% Cashback on Hotels and Rental Cars: Earn 5% cashback when you book hotels and rental cars through Capital One Travel.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

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 19.24% - 29.24% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $3% of each transferred amount that posts to your account within the first 15 months 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.

Exclusive Offers

  • Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
  • 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
  • Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.
  • Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.

Travel Benefits

  • Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
  • Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.
  • Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, Mastercard Airport Concierge, Mastercard Travel and Lifestyle Services, and Mastercard Golf.

Purchase Protections

  • Extended Warranty Protection: Doubles the original manufacturer’s or store warranty on eligible purchases, up to an additional two years.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Flexible Payment Options: Choose a payment due date that works for you — whether it’s at the beginning, middle, or end of the month.
  • Emergency card replacement, zero liability protection, automatic account alerts, 24/7 customer service, free credit score monitoring with CreditWise, and Card Lock to quickly lock your card if ever misplaced, lost, or stolen. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Capital One Savor Rewards Credit Card is a great pick for people who want to earn strong rewards on everyday spending without paying an annual fee. It offers unlimited 3% cashback on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores), plus 1% on all other purchases. New cardholders can also enjoy a $200 welcome bonus after spending $500 in the first 3 months, along with a 0% intro APR on purchases and balance transfers for 15 months. With no foreign transaction fees and well-rounded benefits, this card is ideal for social spenders who want to earn meaningful rewards while keeping costs low.

Shield™ Visa®

Apply now

On U.S. Bank's Secure Website

Shield™ Visa®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 24 months

Balance Transfers: 0%, 24 months

Regular APR

17.74% - 28.74% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.

U.S. Bank Extendpay® Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on prepaid air, hotel, and car reservations booked directly through the Rewards Center with your card. Plus, earn a $20 credit after making purchases for 11 consecutive months each year.

0% - 4% Cashback

Welcome Offer N/A

N/A

Rewards

  • Earn 4% cashback on prepaid air, hotel, and car reservations booked directly through the Rewards Center with your card.
  • $20 Annual Statement Credit: Earn a $20 credit after making purchases for 11 consecutive months each year.

Redemption Options

  • Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit to a U.S. Bank checking or savings account, a rewards card, and more.
  • Real-Time Rewards: Instantly redeem your U.S. Bank Shield™ Visa® cash rewards at the point of purchase using your mobile device.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 24 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 28.74% 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.

Purchase Protections

  • Purchase Protection: Covers new purchases for 90 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 $600 of protection against damage or theft (one claim per year, $100 deductible) when you pay your monthly cell phone bill with your eligible card.

Exclusive Offers

  • Shopping Deals: Earn extra cashback when you shop online at 1,100+ stores through the Rewards Center using your U.S. Bank Shield™ Visa® credit card.

Additional Features

  • Free access to Credit Score and contactless checkout.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The U.S. Bank Shield™ Visa® Credit Card is an excellent choice for budget-conscious individuals looking to pay down debt or finance big purchases with breathing room. It offers one of the longest 0% intro APR periods available, 24 billing cycles on purchases and balance transfers (if completed within 60 days), making it especially appealing for those seeking long-term interest relief. While rewards are limited, cardholders earn 4% cash back on travel booked through the U.S. Bank Travel Rewards Center and receive a $20 annual statement credit after 11 consecutive months of purchases. With no annual fee and added perks like cell phone protection, this card is best for those who value extended interest-free financing and low-cost financial tools over premium rewards.

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®
4.4

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.




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