Best for no late fee
Citi Simplicity® Card

Best for no late fee
Citi Simplicity® Card
- 21 months 0% for 21 months on Balance Transfers
Balance transfer intro APR
Purchase intro APR
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Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections.
Ted Rossman is a senior industry analyst at Bankrate.com. He focuses on the credit card industry and helps consumers maximize rewards, get out of debt and improve their credit scores.
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections.
Ted Rossman is a senior industry analyst at Bankrate.com. He focuses on the credit card industry and helps consumers maximize rewards, get out of debt and improve their credit scores.
A 0% balance transfer credit card can help you manage and eliminate debt with introductory offers that provide a temporary break from interest charges. The best balance transfer credit cards available from our partners have introductory 0 percent APR offers lasting 12 to 21 months, allowing you to avoid paying APR on a transfer until late 2023 — or even 2024. You can see how it works with our Credit Card Balance Transfer Calculator and Credit Card Payoff Calculator.
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for and how we rate our cards .
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
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Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
The best credit cards for balance transfers share several key features. To choose a balance transfer credit card that fits your unique financial situation, consider the following five questions:
Like any other credit card application, a balance transfer card application will result in either approval or denial. If you’re denied a balance transfer card, you may be concerned about the short-term effects on your credit score. Consider if it’s worth applying and undergoing a hard credit pull if you are unsure of your approval chances.
Learn more: Why Approval Odds are your key to a successful credit card application
A good balance transfer card will allow you to make transfers within a generous window of time after the opening of your account. Some cards give you 90 days from account opening to qualify for the 0 percent intro APR period, while other cards have a longer or shorter window. It's important to consider this when choosing your card because you want to be sure that you can manage to make all of your payments on time and avoid paying any interest on your transferred balance after the introductory period.
It's crucial to figure out what kind of APR you'll face after the introductory period ends. Interest rates vary widely, and knowing exactly what you're signing up for is helpful. Also, if you plan on carrying a balance on your card after the 0 percent intro APR period, make sure that you calculate what the minimum payment amount will be — as you don't want to be surprised by unexpected fees or expenses. If you pay off your balance before the end of the 0 percent intro APR, there's no harm done, but if you don't and you're stuck paying 19.99 percent interest on your balance, for example, you'd be better off applying for a different card with a lower rate.
It's crucial to figure out what kind of APR you'll face after the introductory period ends. Interest rates vary widely, and knowing exactly what you're signing up for is helpful. Also, if you plan on carrying a balance on your card after the 0 percent intro APR period, make sure that you calculate what the minimum payment amount will be. You don't want to be surprised by unexpected fees or expenses.
If you pay off your balance before the end of the 0 percent intro APR, there's no harm done, but if you don't and you're stuck paying 19.99 percent interest on your balance, for example, you'd be better off applying for a different card with a lower rate.
To learn more about the card’s fees, the terms and conditions will include details such as the balance transfer fee, late payment penalties, how much time you have to transfer the balance to qualify for the introductory offer and what happens when your 0 percent intro APR period ends. If the card has an annual fee or a balance transfer fee higher than 3 percent, it's worth considering whether you'd be better off sticking with your current card and making minimum payments until your debt is paid off. Though an annual fee may be worthwhile in return for high rewards rates and access to exclusive cardholder benefits, if your primary goal is to get out of debt then it's best to avoid rewards or cash back credit cards that may encourage unnecessary spending. Likewise, credit cards with annual fees will reduce the amount of money you could be putting toward repayments.
Some of the best balance transfer cards offer general benefits to cardholders, such as extended warranties on purchases and identity theft protection services, as well as rewards programs that can help offset interest payments or provide additional discounts or savings on purchases. If you want to use your card for daily purchases like gas or groceries, you may be able to earn points or miles that may be redeemed for gift cards, statement credits or more.
You can search for preapproval options using tools like CardMatch™ by Bankrate and get a glimpse of what you could feasibly be approved for without the consequences of a hard credit pull.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
The beauty of the Citi Simplicity Card is its long intro APR period and leniency on fees and major penalties. This card offers no late fee, no annual fee and no penalty APR. Important note: Making a late payment on a transferred balance on this card is a violation of the terms of the intro offer.
Read our full Citi Simplicity review
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
The beauty of the Citi Simplicity Card is its long intro APR period and leniency on fees and major penalties. This card offers no late fee, no annual fee and no penalty APR. Important note: Making a late payment on a transferred balance on this card is a violation of the terms of the intro offer.
Read our full Citi Simplicity review
Pros
Cons
The beauty of the Citi Simplicity Card is its long intro APR period and leniency on fees and major penalties. This card offers no late fee, no annual fee and no penalty APR. Important note: Making a late payment on a transferred balance on this card is a violation of the terms of the intro offer.
Read our full Citi Simplicity review
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases - automatically.
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. Earn unlimited 1% cash back on all other purchases - automatically.
Recommended credit
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The lengthy 18-month 0 percent introductory APR on balance transfers (then 16.49 percent to 27.49 percent variable APR) makes this card a good choice for paying off existing high-interest credit card balances, while the competitive cash back rewards program provides value in the long term.
Read our full Discover it® Balance Transfer card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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. Earn unlimited 1% cash back on all other purchases - automatically.
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. Earn unlimited 1% cash back on all other purchases - automatically.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The lengthy 18-month 0 percent introductory APR on balance transfers (then 16.49 percent to 27.49 percent variable APR) makes this card a good choice for paying off existing high-interest credit card balances, while the competitive cash back rewards program provides value in the long term.
Read our full Discover it® Balance Transfer card review.
Pros
Cons
The lengthy 18-month 0 percent introductory APR on balance transfers (then 16.49 percent to 27.49 percent variable APR) makes this card a good choice for paying off existing high-interest credit card balances, while the competitive cash back rewards program provides value in the long term.
Read our full Discover it® Balance Transfer card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
If used correctly, this card from Wells Fargo boasts the longest intro APR on purchases and qualified balance transfers on the market: 18-months from account opening at 0 percent interest (then 17.49 percent to 29.49 percent variable APR), plus the option for a three-month extension if you make on-time monthly minimum payments during the intro period. That means up to 21 months of skipping interest is on the table.
Read our full Wells Fargo Reflect Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
If used correctly, this card from Wells Fargo boasts the longest intro APR on purchases and qualified balance transfers on the market: 18-months from account opening at 0 percent interest (then 17.49 percent to 29.49 percent variable APR), plus the option for a three-month extension if you make on-time monthly minimum payments during the intro period. That means up to 21 months of skipping interest is on the table.
Read our full Wells Fargo Reflect Card review.
Pros
Cons
If used correctly, this card from Wells Fargo boasts the longest intro APR on purchases and qualified balance transfers on the market: 18-months from account opening at 0 percent interest (then 17.49 percent to 29.49 percent variable APR), plus the option for a three-month extension if you make on-time monthly minimum payments during the intro period. That means up to 21 months of skipping interest is on the table.
Read our full Wells Fargo Reflect Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
Recommended credit
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
If you’re looking for a no-fuss balance transfer card, the Citi Diamond Preferred Card is a great option. This card may not boast long-term value due to its lack of rewards offers, but the intro APR period is still fairly long and will allow you the time and space you need to pay down debt.
Read our full Citi Diamond Preferred Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
If you’re looking for a no-fuss balance transfer card, the Citi Diamond Preferred Card is a great option. This card may not boast long-term value due to its lack of rewards offers, but the intro APR period is still fairly long and will allow you the time and space you need to pay down debt.
Read our full Citi Diamond Preferred Card review.
Pros
Cons
If you’re looking for a no-fuss balance transfer card, the Citi Diamond Preferred Card is a great option. This card may not boast long-term value due to its lack of rewards offers, but the intro APR period is still fairly long and will allow you the time and space you need to pay down debt.
Read our full Citi Diamond Preferred Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Though it doesn’t offer the longest intro APR period out there, this card still earns a top spot for its lengthy offer on both balance transfers and new purchases, as well as the ongoing payment flexibility that comes with its ExtendPay™ Plan feature.
Read our full U.S. Bank Visa Platinum Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Though it doesn’t offer the longest intro APR period out there, this card still earns a top spot for its lengthy offer on both balance transfers and new purchases, as well as the ongoing payment flexibility that comes with its ExtendPay™ Plan feature.
Read our full U.S. Bank Visa Platinum Card review.
Pros
Cons
Though it doesn’t offer the longest intro APR period out there, this card still earns a top spot for its lengthy offer on both balance transfers and new purchases, as well as the ongoing payment flexibility that comes with its ExtendPay™ Plan feature.
Read our full U.S. Bank Visa Platinum Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
The Citi Double Cash Card offers the chance to earn cash back on purchases and save money on interest with a balance transfer. The 18-month 0 percent intro APR period (18.49 percent to 28.49 percent variable APR after) is among the longest on our list of best balance transfer cards.
Read our full Citi Double Cash Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
The Citi Double Cash Card offers the chance to earn cash back on purchases and save money on interest with a balance transfer. The 18-month 0 percent intro APR period (18.49 percent to 28.49 percent variable APR after) is among the longest on our list of best balance transfer cards.
Read our full Citi Double Cash Card review.
Pros
Cons
The Citi Double Cash Card offers the chance to earn cash back on purchases and save money on interest with a balance transfer. The 18-month 0 percent intro APR period (18.49 percent to 28.49 percent variable APR after) is among the longest on our list of best balance transfer cards.
Read our full Citi Double Cash Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
Recommended credit
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Bank of America loyalists who qualify for the Preferred Rewards Program could find a huge bang for their buck in the Bank of America Unlimited Cash Rewards credit card. If you qualify for this program, you could get a 25 percent to 75 percent boost on your cash rewards potential.
Read our full Bank of America Unlimited Cash Rewards credit card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Bank of America loyalists who qualify for the Preferred Rewards Program could find a huge bang for their buck in the Bank of America Unlimited Cash Rewards credit card. If you qualify for this program, you could get a 25 percent to 75 percent boost on your cash rewards potential.
Read our full Bank of America Unlimited Cash Rewards credit card review.
Pros
Cons
Bank of America loyalists who qualify for the Preferred Rewards Program could find a huge bang for their buck in the Bank of America Unlimited Cash Rewards credit card. If you qualify for this program, you could get a 25 percent to 75 percent boost on your cash rewards potential.
Read our full Bank of America Unlimited Cash Rewards credit card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
Earn unlimited 2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
The Wells Fargo Active Cash Card offers the opportunity to earn one of the highest cash rewards rates available on eligible purchases with no category restrictions or limits. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards earning machine.
Read our full Wells Fargo Active Cash Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Earn unlimited 2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
The Wells Fargo Active Cash Card offers the opportunity to earn one of the highest cash rewards rates available on eligible purchases with no category restrictions or limits. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards earning machine.
Read our full Wells Fargo Active Cash Card review.
Pros
Cons
The Wells Fargo Active Cash Card offers the opportunity to earn one of the highest cash rewards rates available on eligible purchases with no category restrictions or limits. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards earning machine.
Read our full Wells Fargo Active Cash Card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Balance transfer intro APR
Purchase intro APR
Regular APR
Rewards rate
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
Recommended credit
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The Bank of America Customized Cash Rewards credit card might not have the longest introductory offers, but its potential for long-term value is better than some of its direct competitors due to its competitive cash back rewards program.
Read our full Bank of America Customized Cash Rewards credit card review.
Pros
Cons
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.