If you are interested in moving some of your credit card debt over to a new card with a generous 0% intro APR period, the following cards from our partners would all be outstanding options. If you are unclear about how a balance transfer can help you save money on credit card interest then check out our article on balance transfer basics.
Purchase APR
0% intro APR for 21 months from account opening on purchases, then 18.24%, 24.74%, 29.99% variable APR
Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, 29.99% variable APR
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics' Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, 29.99% variable APR
Balance Transfer Fee
5%; min: $5
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 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
Apply Now
On Wells Fargo's Secure site
Purchase APR
0% intro APR for 12 months on purchases, then 19.24% – 29.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on balance transfers, then 19.24% – 29.99% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics' Overview
This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee.
Purchase & Balance Transfer APR
0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 19.24% – 29.99% (Variable)
Balance Transfer Fee
Intro balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, whichever is greater.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 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 19.24% – 29.99%, 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
Apply Now
On Citi®'s Secure site
Purchase APR
0% intro APR for 12 months on Purchases, then 18.24% – 28.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 18.24% – 28.99% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics' Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 18.24% – 28.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 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 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 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.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Apply Now
On Citi®'s Secure site
Purchase APR
0% Intro APR on purchases for 6 months, then 17.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 17.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1% – 5%
Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.

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Critics' Overview
This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.
Purchase & Balance Transfer APR
0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.24% – 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 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 could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
Apply Now
On Discover's Secure site
Purchase APR
19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent
580 – 850*
Cash Back
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

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Critics' Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer. Read our in-depth Critical Analysis to learn more.
Purchase APR
19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent (580 – 850*)
Card Details From Issuer
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- 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).
Apply Now
On Citi®'s Secure site
Purchase APR
0% Intro APR on Purchases for 18 months, then 20.49% – 29.24% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 18 months, then 20.49% – 29.24% Variable
Recommended Credit Score
Good – Excellent
670 – 850*

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Critics' Overview
The Chase Slate Edge℠ card is a great option for consumers who want to reduce their credit card debt and improve their financial profile. This card offers a long intro APR period for purchases and balance transfers. There are several incentives after you make consistent on-time payments and you have access to Chase Credit Journey so you can monitor your credit.
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 18 months, then 20.49% – 29.24% Variable
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% – 29.24% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate Edge℠ 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
- Member FDIC
Apply Now
On Chase's Secure site
Purchase APR
0% intro APR for 15 months from account opening, then 20.24%, 25.24%, or 29.99% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 20.24%, 25.24%, or 29.99% variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
2%
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

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Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR
Intro Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Earn a $200 cash rewards bonus after spending $500 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 20.24%, 25.24%, or 29.99% 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
Apply Now
On Wells Fargo's Secure site
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5x Points
1.5 points per $1 spent on all purchases.
If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.
Intro Bonus
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

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Updated September 22, 2023
Critics' Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 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.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee 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.
Apply Now
On Bank of America's Secure site
Purchase APR
0% Intro APR on Purchases for 15 months, then 20.49% – 29.24% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1.5% – 6.5%
Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Welcome Bonus
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

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Critics' Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase, dining at restaurants and purchases at drugstores. You will earn an additional 1.5% back on all purchases for your first year (up to $20,000) which equates to up to $300 more in cash back year one. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 15 months, then 20.49% – 29.24% Variable
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.
- Member FDIC
Apply Now
On Chase's Secure site
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 3%
3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category / grocery store / wholesale club quarterly purchases.
1% cash back on all other purchases.
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

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Updated September 22, 2023
Critics' Overview
The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees especially if you’re looking for a generous intro APR. With an easy to achieve intro bonus and fantastic ongoing cash back rewards, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- $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 – now with expanded categories, 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.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- 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.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee 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.
Apply Now
On Bank of America's Secure site
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5%
1.5% cash back
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

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Updated September 22, 2023
Critics' Overview
This cash back credit card offers unlimited 1.5% cash back on every purchase making it an excellent, straightforward option for those looking for a flat rate credit card. If you are a Bank of America Preferred Rewards member you can earn 25% – 75% more which means you can earn up to 2.62% cash back on every purchase. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Balance Transfer Fee
3% of the amount of each transaction
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- $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.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee 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.
Apply Now
On Bank of America's Secure site
Purchase APR
0% Intro APR for 15 months on Purchases, then 18.74% – 28.74% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 18.74% – 28.74% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x
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.
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
Intro 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

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Critics' Overview
If you are interested in a unique rewards card that rounds up to the nearest 10 points on every purchase then look no further. With the Citi Rewards+® Card, an advertising partner, you will earn a higher rate at Supermarkets and Gas Stations, and for a limited time, you will earn 5X ThankYou points on hotels, car rentals and more when booked through the Citi Travel℠ portal. You also have a chance to earn an intro bonus and save with a generous intro APR on purchases and balance transfers.
Purchase & Balance Transfer APR
0% Intro APR for 15 months on Purchases and Balance Transfers then 18.74% – 28.74% (Variable)
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 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
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
- 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 18.74% – 28.74%, 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).
- 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.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Apply Now
On Citi®'s Secure site
Purchase APR
0% intro APR for 15 months on Purchases, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 15 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent
580 – 850*
Cash Back
1% – 5%
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 Bonus
Earn $200 in cash back after you spend $1500 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.

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Critics' Overview
This extremely flexible cash back card from Citi, an advertising partner, makes it easy to rack up big-time rewards. You will earn 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent). The great thing is that you don’t have to choose your bonus category ahead of time because your earn adjusts automatically based on your spending. You will earn 1% on all other purchases, have a chance to earn a significant cash back intro bonus and save money with a generous intro APR period on both purchases and balance transfers.
Purchase & Balance Transfer APR
0% intro APR for 15 months on Purchases and Balance Transfers, then 19.24% – 29.24% (Variable)
Recommended Credit Score
Fair, Good, Excellent (580 – 850*)
Card Details From Issuer
- 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 19.24% – 29.24%, 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.
Apply Now
On Citi®'s Secure site
Purchase APR
0% intro APR on purchases for 15 months, then 19.24%-29.99% Variable
Balance Transfer APR
0% on balance transfers for 15 months, then 19.24%-29.99% Variable
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 3%
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 in purchases, then 1%.
Welcome Bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

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Critics' Overview
If an annual fee is a deal breaker for you then the Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a fantastic choice for your cash back needs. This card offers a good balance of ongoing rewards, a welcome offer and a generous intro APR period on purchases and balance transfers. Round that out with other perks and the card member benefits that American Express is well known for and you have yourself an excellent cash back card. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 15 months, then 19.24%-29.99% Variable APR
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 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, 19.24% to 29.99% 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 in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Apply Now
On American Express' Secure site
Purchase APR
0% Intro APR for 15 months on Purchases, then 18.74% – 28.74% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 18.74% – 28.74% (Variable)
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x
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.
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
Intro 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

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Critics' Overview
If you are interested in a unique rewards card that rounds up to the nearest 10 points on every purchase then look no further. With the Citi Rewards+® Card, an advertising partner, you will earn a higher rate at Supermarkets and Gas Stations, and for a limited time, you will earn 5X ThankYou points on hotels, car rentals and more when booked through the Citi Travel℠ portal. You also have a chance to earn an intro bonus and save with a generous intro APR on purchases and balance transfers.
Purchase & Balance Transfer APR
0% Intro APR for 15 months on Purchases and Balance Transfers then 18.74% – 28.74% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- 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
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
- 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 18.74% – 28.74%, 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).
- 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.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Apply Now
On Citi®'s Secure site
Purchase APR
0% intro APR for 12 months, then 19.24%-29.99% Variable
Balance Transfer APR
0% intro APR for 12 months, then 19.24%-29.99% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 6%
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.
Welcome Bonus
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.

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Critics' Overview
If you are looking for a well-rounded card that makes it easy to rack up cash back while saving on interest look no further. With incredible cash back rates on groceries, streaming services, gas and transit expenses, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 12 months, then 19.24%-29.99% Variable APR
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$0 intro annual fee for the first year, then $95.
Card Details From Issuer
- 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 from the date of 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- 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.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- 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 $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Terms Apply.
Apply Now
On American Express' Secure site
Purchase APR
0% introductory APR on purchases for 15 months from account opening date. Then, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
Recommended Credit Score
Good – Excellent
660 – 850

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Critics' Overview
The BMO Platinum Credit Card provides a payment solution with an extended purchase and balance transfer
introductory period for those looking to save money, transfer balances and pay down debt.
Purchase APR
0% introductory APR on purchases for 15 months from account opening date. Then, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
Recommended Credit Score
Good – Excellent (660 – 850)
Card Details From Issuer
- 0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from account opening date. Then, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
- 0% introductory APR on purchases for 15 months from account opening date. Then, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
- Take advantage of a competitive rate
- *Rates and Fees Apply
Apply Now
On BMO's Secure site
Purchase APR
21.24% – 28.24% variable APR based on your credit worthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24%, based on your creditworthiness.*
Recommended Credit Score
Good – Excellent
660 – 850
Rewards
1% – 5%
5% cash back on streaming, cable TV and satellite services
3% cash back on gas and grocery purchases (Up to $2,500 in gas and grocery purchases each calendar quarter)
1% cash back on all other eligible purchases
Intro Bonus
Get a $200 cash back bonus when you spend $2,000 within 3 months of opening your account

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Critics' Overview
The BMO Cash Back Credit Card is a great option for big streamers or TV watchers. With 5% cash back on streaming, cable TV and satellite services, 3% cash back at gas stations and at grocery stores, and 1% cash back on all other eligible purchases, you see the cash back accumulate every day. There is also a welcome offer and an intro APR for Balance Transfers. This card provides a simple way to earn cash back on every purchase.
Purchase APR
21.24% – 28.24% variable APR based on your credit worthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24%, based on your creditworthiness.*
Recommended Credit Score
Good – Excellent (660 – 850)
Card Details From Issuer
- 5% cash back on streaming, cable TV and satellite services
- 3% cash back on gas and grocery purchases, up to $2,500 in gas and grocery purchases each calendar quarter
- 1% cash back on all other eligible purchases
- Welcome Offer – Get a $200 cash back bonus when you spend $2,000 within 3 months of opening your account.
- *Rates and Fees Apply
Apply Now
On BMO's Secure site
Purchase APR
21.24% – 28.24% variable APR based on your credit worthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24%, based on your creditworthiness.*
Recommended Credit Score
Good – Excellent
660 – 850
Rewards
1x – 2x
2 points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter
1 point per $1 spent on all other eligible purchases
10% anniversary bonus points every year
Intro Bonus
Get 25,000 bonus points when you spend $2,000 within 3 months of opening your account

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Critics' Overview
The BMO Platinum Rewards Credit Card provides the benefit of double points on up to $2,500 spent each calendar quarter on groceries and at the gas pump. All other eligible purchases will earn you one point per dollar spent. With *no annual fee, a welcome offer, and a 10% anniversary bonus, this card says thank you to their customers every year!
Purchase APR
21.24% – 28.24% variable APR based on your credit worthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24%, based on your creditworthiness.*
Recommended Credit Score
Good – Excellent (660 – 850)
Card Details From Issuer
- 2 points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter
- 1 point per $1 spent on all other eligible purchases
- 10% anniversary bonus points every year
- Welcome Offer – Get 25,000 bonus points when you spend $2,000 within 3 months of opening your account.
- *Rates and Fees Apply
Apply Now
On BMO's Secure site
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.