Hands Down the Best Balance Transfer Card
The Discover it® Chrome card is a well-rounded balance transfer card as it not only offers an incredibly long intro APR on balance transfers but also offers cash back rewards.
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0% Intro APR on balance transfers for 18 months
0% Intro APR on purchases for 6 months
17.99% – 26.99% Variable APR
Discover will match all the cash back you’ve earned at the end of your first year.
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
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The Discover it® Chrome card is a well-rounded option as it offers cash back rewards, a generous intro APR period (especially on balance transfers), a unique bonus opportunity and does not charge an annual fee. It offers a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.99% – 26.99% Variable APR. You will also earn 2% back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus you will earn unlimited 1% cash back on all other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity. Read our in-depth Review to learn more.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.99% to 26.99% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
Earn Up To 2% Cash Back
You’ll earn 2% back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You will earn 1% back on all of your other purchases.
Unlimited Cashback Match®
Discover’s unique cash back bonus can really add up to a big payout at the end of your first year. All of the cash back you’ve earned in that first year is matched. There are no minimums or hoops to jump through to earn this bonus.
Generous Introductory APR
Getting approved for the Discover it® Chrome card means you’ll get a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.99% - 26.99% Variable APR. There is an intro balance transfer fee of 3% that goes up to 5% on future balance transfers (see terms), but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest.
We think the Discover it® Chrome is tough to beat, but we have rounded up some other options from our partners that may appeal to you as well.
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0% intro APR for 12 months from account opening on qualifying balance transfers
0% intro APR for 12 months from account opening on purchases on purchases
18.99%, 24.99%, or 28.99% Variable APR
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
2% Earn unlimited 2% cash rewards on purchases.
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We really like that this card from Wells Fargo offers a straightforward way to earn cash rewards while also providing an intro APR period on purchases and qualifying balance transfers. You’ll earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. Earning 2% rewards on your purchases is tough to beat and makes this $0 annual fee card a stand out option for anyone looking for a low maintenance cash rewards card that will allow you to accumulate cash rewards really quickly. There is also a welcome bonus worth $200 in cash rewards that can be earned by spending at least $500 in purchases in the first three months after you are approved.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying 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 Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 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 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 24.99%, or 28.99% 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.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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Generous intro APR offer available. Select ‘Apply Now‘ to view the current offer terms.
Select ‘Apply Now‘ to view the current offer terms.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
1% – 6% 6% cash back for the first year 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.
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
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You will be hard-pressed to find another card without an annual fee that offers better flexibility in the cash back department than the Bank of America® Customized Cash Rewards credit card. For the first year, you get to decide which category you’ll earn 6% back in each month while also earning 2% back at grocery stores and wholesale clubs. After the first year you’ll earn 3% cash back on purchases in your choice category. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases. This cash back card also has a generous intro APR on both purchases and balance transfers. To sweeten the deal, you’ll also earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening. That’s an additional 20% back on your first $1,000 spent!
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
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 Review to learn more.Card Details From Issuer
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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.
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
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.