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Our pick for unlimited cash rewards with a great sign-up bonus

Capital One Quicksilver Cash Rewards Credit Card
 

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4.5/5.0 from 403 Offer Ratings
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  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Intro APR 0% intro on purchases for 15 months, then 17.99% - 27.99% (Variable). 0% intro on balance transfers for 15 months, then 17.99% - 27.99% (Variable)
  • Cash Back Details No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Intro APR 0% intro on purchases for 15 months, then 17.99% - 27.99% (Variable). 0% intro on balance transfers for 15 months, then 17.99% - 27.99% (Variable)
  • Cash Back Details No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Our pick for best unlimited cash back card

Wells Fargo Active Cash® Card
 

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4/5.0 from 208 Offer Ratings
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Rates & Fees
  • Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

See additional details for Wells Fargo Active Cash® Card

Our pick for longest period of 0% intro APR on balance transfers

Citi® Diamond Preferred® Card
 

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Over the Past 60 Days!

  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro Balance Transfer APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 16.74% - 27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro Balance Transfer APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 16.74% - 27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

See additional details for Citi® Diamond Preferred® Card

Our pick for 1:1 cash back match in your first year

Discover it® Cash Back
 

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4.5/5.0 from 132 Offer Ratings
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on Discover's secure site

Rates & Fees
  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 15.74% - 26.74% Variable APR.
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 15.74% - 26.74% Variable APR.
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Cash Back

Our pick for low-maintenance earning

Citi Custom Cash℠ Card
 

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5/5.0 from 116 Offer Ratings
Over the Past 60 Days!

  • Sign-Up Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Sign-Up Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

See additional details for Citi Custom Cash℠ Card

Our pick for choosing your own cash back rewards

Bank of America® Customized Cash Rewards credit card
 

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5/5.0 from 38 Offer Ratings
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  • Intro APR 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Intro APR 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.   
  • No annual fee and no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

 

Our pick for long periods of 0% intro APR with a generous welcome offer

BankAmericard® credit card
 

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4.5/5.0 from 128 Offer Ratings
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  • Intro APR 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro APR 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

See additional details for BankAmericard® credit card

Our pick for best low-interest card with no late fees or penalty APR

Citi Simplicity® Card
 

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4.5/5.0 from 158 Offer Ratings
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  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 17.74% - 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 17.74% - 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

See additional details for Citi Simplicity® Card

Our pick for best unlimited travel rewards card

Bank of America® Travel Rewards credit card
 

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5/5.0 from 19 Offer Ratings
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  • Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
  • Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
  • Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. 
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. 
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions. 
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. 
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Citi Rewards+® Card
 

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5/5.0 from 33 Offer Ratings
Over the Past 60 Days!

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on Citibank's secure site

Rates & Fees
  • Intro Purchase APR 0% for 15 months
  • Sign-Up Bonus Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Regular Purchase APR 17.24% - 27.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 15 months
  • Sign-Up Bonus Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Regular Purchase APR 17.24% - 27.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.24% - 27.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

See additional details for Citi Rewards+® Card

Our pick for nearly two years of 0% intro APR on purchases

Wells Fargo Reflect® Card
 

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4/5.0 from 73 Offer Ratings
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on Wells Fargo's secure site

Rates & Fees
  • Regular APR 16.74% - 28.74% variable APR
  • Intro Purchase APR 0% intro APR up to 21 months from account opening
  • Intro BT APR 0% intro APR up to 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Regular APR 16.74% - 28.74% variable APR
  • Intro Purchase APR 0% intro APR up to 21 months from account opening
  • Intro BT APR 0% intro APR up to 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions

See additional details for Wells Fargo Reflect® Card

BMO Harris Business Platinum Rewards Mastercard®
 

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  • Sign-up Bonus Get 25,000 bonus rewards points when you spend $3,000 within 3 months of account opening!
  • Rewards Rate Earn 1.5 points for every $1 spent
  • Intro APR 0% Introductory APR on for 18 months from account opening date., then 16.74% - 25.74% Variable APR based on your creditworthiness.
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Mastercard®
  • Sign-up Bonus Get 25,000 bonus rewards points when you spend $3,000 within 3 months of account opening!
  • Rewards Rate Earn 1.5 points for every $1 spent
  • Intro APR 0% Introductory APR on for 18 months from account opening date., then 16.74% - 25.74% Variable APR based on your creditworthiness.
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Mastercard®

Highlights

  • $0 annual fee
  • Earn 1.5 points for every $1 spent1
  • Your points don’t expire as long as your account is in good standing
  • Earn rewards on your everyday purchases and redeem points for travel, gift cards, merchandise or cash1
  • Your points don’t expire as long as your account is in good standing
  • Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®
  • Enjoy discounts on Intuit Quickbooks and TurboTax to streamline your accounting and simplify your taxes3
  • Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business
  • For BMO Rewards Program details, review https://www.bmoharris.com/pdf/sb/businessmcgtb.pdf.

    1 Participation in BMO Harris RewardsSM is subject to terms and conditions found in BMO Harris Rewards Program Rules, available at: https://www.bmoharris.com/pdf/credit/rewardsprogramrules.pdf. The Account must be current and in good standing to accrue and redeem points. While points don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points. All accrued points not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three month period. Information regarding rates and offers is subject to change. Please visit www.bmoharris.com/smallbizcard for the most up-to-date offers available. Point values are current for new accounts only approved on or after 1/20/2021 and are subject to change at any time.  

    3See offer terms and conditions at intuit.me/quickbooks_mc. Intuit, QuickBooks and TurboTax are registered trademarks of Intuit Inc. Terms and conditions, features, support, pricing, and service options subject to change without notice.TurboTax Terms of Service can be found at https://turbotax.intuit.com/corp/terms-of-service.jsp and TurboTax Product Guarantees and other important information are located at https://turbotax.intuit.com/lp/yoy/guarantees.jsp.

    Mastercard®, Mastercard® Easy Savings® and the Mastercard Brand Mark are trademarks of Mastercard International Incorporated. Refer to the Mastercard Guide to Benefits for more information.

    Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate is Bank N.A. Member FDIC

    BMO Harris Bank N.A. Member FDIC

Our pick for credit card rewards optimizers

Chase Freedom Flex℠
 

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4.5/5.0 from 42 Offer Ratings
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  • Sign-Up Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
  • Introductory APR 0% Intro APR on Purchases for 15 months
  • Regular APR 17.99% - 26.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Sign-Up Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
  • Introductory APR 0% Intro APR on Purchases for 15 months
  • Regular APR 17.99% - 26.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

See additional details for Chase Freedom Flex℠

Our pick for best first year bonus on a balance transfer card

Discover it® Balance Transfer
 

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Rates & Fees
  • Balance Transfer Intro APR 0% Intro APR for 18 months on balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Balance Transfer Intro APR 0% Intro APR for 18 months on balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Balance Transfer

Our pick for earning unlimited cash back with 0% intro APR

Bank of America® Unlimited Cash Rewards credit card
 

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  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Intro APRs 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Rewards Rate 1.5% cash back on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Intro APRs 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Rewards Rate 1.5% cash back on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.  
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.  
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.  
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our pick for rewards that never expire

Discover it® chrome
 

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on Discover's secure site

Rates & Fees
  • Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Ongoing APR 15.74% - 26.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 15.74% - 26.74% Variable APR
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Ongoing APR 15.74% - 26.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® chrome

Our pick for aspiring home chefs

Blue Cash Preferred® Card from American Express
 

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Rates & Fees

Terms Apply

  • Buy Now, Pay Later Intro Offer Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Rewards Rate 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
  • Intro APR 0% on purchases for 12 months from the date of account opening, then 17.74%-28.74% Variable
  • Annual Fee $0 intro annual fee for the first year, then $95
  • Credit Needed Excellent/Good
  • Card Brand American Express
  • Buy Now, Pay Later Intro Offer Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Rewards Rate 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
  • Intro APR 0% on purchases for 12 months from the date of account opening, then 17.74%-28.74% Variable
  • Annual Fee $0 intro annual fee for the first year, then $95
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Our pick for frequent online shoppers

Blue Cash Everyday® Card from American Express
 

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Rates & Fees

Terms Apply

  • Buy Now, Pay Later Intro Offer Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Welcome Offer Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • Rewards Rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express
  • Buy Now, Pay Later Intro Offer Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Welcome Offer Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • Rewards Rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 17.74% - 28.74% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
U.S. Bank Altitude® Go Visa Signature® Card
 

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Rates & Fees
  • Sign-Up Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
  • Rewards Rate Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • Intro APR 0% for 12 billing cycles on purchases, then 18.74% - 27.74% (Variable) and 0% for 12 billing cycles on balance transfers, then 18.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
  • Rewards Rate Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • Intro APR 0% for 12 billing cycles on purchases, then 18.74% - 27.74% (Variable) and 0% for 12 billing cycles on balance transfers, then 18.74% - 27.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. 
  • 4X points on dining, takeout, and restaurant delivery.  
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!  
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations  
  • 1X point on all other eligible purchases. 
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.74% - 27.74%.  
  • No Annual Fee 
  • Points never expire  
  • Terms and conditions apply.

Our pick for best streaming rewards

Wells Fargo Autograph℠ Card
 

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Rates & Fees
  • Welcome Offer Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Rewards Rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
  • Intro Purchase APR 0% intro APR for 12 months from account opening on purchases, then 18.74%, 23.74%, or 28.74% variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Welcome Offer Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Rewards Rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
  • Intro Purchase APR 0% intro APR for 12 months from account opening on purchases, then 18.74%, 23.74%, or 28.74% variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 18.74%, 23.74%, or 28.74% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select “Apply Now” to learn more about the product features, terms and conditions.

See additional details for Wells Fargo Autograph℠ Card

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

0% Credit Cards & Interest Free Credit Cards

Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit.

Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR.  Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.

Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.

The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.


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