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0% Intro APR Cards

Very attractive low introductory rates from our partners for those who plan to transfer or carry balances for a short period of time.


July 05, 2019

Citizens
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  10.49%, 16.49%, 19.49%, or 21.49%, based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for first six months after account opening
  • Cash Advance APR  25.74%, variable with the market based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR on purchases for 6 months after account opening
  • • Lower interest rates than a personal credit card
  • • Zero liability for unauthorized account purchases
Rates & Fees
     Intro Purchase APR: 0% for first six months after account opening
     Regular Purchase APR: 10.49%, 16.49%, 19.49%, or 21.49%, based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: 25.74%, variable with the market based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or up to 5% of the amount advanced, whichever is greater
     Penalty APR: 27.24%
     Annual Fee: None
     Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of transactions, whichever is greater.
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $20
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 23, 2019

Regions
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  10.5% to 22.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months
  • Balance Transfer APR  10.5% to 22.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 0% introductory Purchase APR for 6 months
  • • Zero liability for unauthorized purchases, including online expenditures
  • • No annual fee
  • • Benefits include Visa Travel & Emergency Assistance and Visa Auto Rental Collision Damage Waiver
Rates & Fees
     Intro Purchase APR: 0% for 6 months
     Regular Purchase APR: 10.5% to 22.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 10.5% to 22.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $49
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

May 10, 2019

Union
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  10.74% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  10.74% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.5% variable based on the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • 0% introductory APR on purchases and balance transfers for 15 months after opening an account
  • • Low regular APR after promotional rate ends
  • • No annual fee
  • • Access your FICO® Score at no extra cost
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 10.74% to 22.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 10.74% to 22.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: $0 Introductory fee for transfers completed within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.5% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good , Fair

August 14, 2019

Navy
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 13.24% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • 3X points at restaurants
  • • 2X points on gas
  • • 1X point on everything else
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 13.24% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good , Fair

April 26, 2019

PNC
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  11.99 to 21.99% variable based on creditworthiness
  • Intro Purchase APR  0% for 15 months from account opening
  • Balance Transfer APR  11.99 to 21.99% variable based on creditworthiness
  • Cash Advance APR  24.99% variable based on the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
  • • 0% intro APR on purchases and balance transfers for 12 months
  • • Low regular APR on purchases
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening
     Regular Purchase APR: 11.99 to 21.99% variable based on creditworthiness
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening
     Balance Transfer APR: 11.99 to 21.99% variable based on creditworthiness
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
     Cash Advance APR: 24.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 31.24% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: Up to $38
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good , Fair

May 21, 2019

KeyBank
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  11.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 15 months from date of account opening
  • Balance Transfer APR  11.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.24% variable based on the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • 0% introductory APR on purchases and balance transfers for 15 months from account opening date
  • • Low regular APR on purchases and balance transfers after promotional rate expires
  • • No annual fee
  • • Temporary lock feature lets you freeze your card and prevent fraudulent activity if it gets lost or stolen
Rates & Fees
     Intro Purchase APR: 0% for the first 15 months from date of account opening
     Regular Purchase APR: 11.99% to 21.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from date of account opening
     Balance Transfer APR: 11.99% to 21.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
     Late Payment Penalty Fee: UP to $39
     Return Payment Penalty Fee: N/A
     Over Limit Penalty Fee: $10 for each overdraft protection
     Minimum Deposit Required: N/A
     Credit Needed: Good , Fair

June 06, 2019

BMO
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.24%, 17.24%, or 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening date
  • Balance Transfer APR  12.24%, 17.24%, or 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR on purchases for the first 9 months from date of account opening
  • • Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
  • • Save 1% – 25% at qualifying merchants. Use your card for eligible purchases and get automatic rebates at over 40,000 participating locations, including gas, hotels, rental cars, restaurants, office supplies and other business services
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening date
     Regular Purchase APR: 12.24%, 17.24%, or 22.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening date
     Balance Transfer APR: 12.24%, 17.24%, or 22.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 19, 2019

M&T
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  12.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • Ability to pay with Apple Pay®, Google Pay™ or Samsung Pay
  • • Low APR after 0% introductory period ends
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 12.49% to 19.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 12.49% to 19.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: 24.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 19, 2019

M&T
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  12.49% to 19.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • No foreign transaction fees
  • • Global acceptance and chip technology for added security
  • • Additional cards for employees at no added cost
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 12.49% to 19.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 12.49% to 19.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: 24.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

May 21, 2019

KeyBank
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  12.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • 0% introductory APR for 6 months on purchases and balance transfers
  • • No annual fee
  • • Generous credit lines offered
  • • Lost or stolen reporting available 24/7
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 12.99% to 22.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months on transfers made within 60 days from account opening date
     Balance Transfer APR: 12.99% to 22.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% (3% on convenience check cash advances) of the amount of each cash advance, whichever is greater
     Penalty APR: Up to 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: $39 per cycle
     Minimum Deposit Required: N/A
     Credit Needed: Good , Fair

August 29, 2018

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.14% to 23.15% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months.
  • Balance Transfer APR  13.14% to 23.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • 0.00% introductory APR for 6 months on purchases and balance transfers
  • • 3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
  • • Build credit history while you’re in college
  • • Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®
Rates & Fees
     Intro Purchase APR: 0% for 6 months.
     Regular Purchase APR: 13.14% to 23.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% APR for 6 months on balance transfers made within 120 days from account opening
     Balance Transfer APR: 13.14% to 23.15% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

May 06, 2019

PNC
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months after account opening
  • Balance Transfer APR  13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 5 points per $1 with no spending categories
  • • No limit to the amount of points you can earn
  • • 0% introductory APR for 9 months on purchases and balance transfers
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 9 months after account opening
     Regular Purchase APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening
     Balance Transfer APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: 31.24% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the amount in U.S. dollars of each foreign transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 22, 2019

Fifth
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  13.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 9 billing cycles after account opening
  • Balance Transfer APR  13.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 2 Real Life Rewards® points for each $1 spent at restaurants, office supply stores, and on utilities
  • • Earn 1 point for each $1 spent on all other purchases
  • • 0% intro APR on purchases and balance transfers for the first 9 billing cycles from account opening
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 9 billing cycles after account opening
     Regular Purchase APR: 13.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 9 billing cycles after account opening
     Balance Transfer APR: 13.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in US dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

May 20, 2019

BBVA
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 13 months from account opening date
  • Balance Transfer APR  13.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • With BBVA Build Your Own Rewards, choose from a list of 10 predetermined categories to earn 3x unlimited points in one category and 2x unlimited points in another category
  • • Earn 1 point unlimited rewards in all other categories
  • • No annual fee
  • • Track purchases, get alerts, and block and unblock your card on the go with the Mobile Banking App
Rates & Fees
     Intro Purchase APR: 0% for 13 months from account opening date
     Regular Purchase APR: 13.24% to 31.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 13 months on transfers made within 60 days from account opening date
     Balance Transfer APR: 13.24% to 31.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.24% to 31.24% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $27 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, up to $37
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

May 20, 2019

BBVA
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn unlimited 2% rewards on all purchases with a monthly direct deposit to a BBVA deposit account
  • • No annual fee
  • • 0% Intro APR on Balance Transfers for 13 months made within 60 days of account opening
  • • Earn a $100 account credit after making $1,500 in purchases in the first 90 days of account opening
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.24% to 31.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 13 months on transfers made within 60 days from account opening date
     Balance Transfer APR: 13.24% to 31.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.24% to 31.24% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $27 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, up to $37
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 16, 2018

HSBC
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  13.24%, 17.24%, or 21.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 18 months from account opening
  • Balance Transfer APR  13.24%, 17.24%, or 21.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Take advantage of 0% introductory APR for the first 18 months as a cardmember
  • • Travel prepared and with peace of mind thanks to MasterAssist® pre-planning and Master RoadAssist® Roadside Services
  • • Extended Warranty and Purchase Assurance® means you can shop with confidence
  • • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase.
Rates & Fees
     Intro Purchase APR: 0% for the first 18 months from account opening
     Regular Purchase APR: 13.24%, 17.24%, or 21.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for the first 18 months on transfers that post within 60 days from account opening
     Balance Transfer APR: 13.24%, 17.24%, or 21.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 18, 2019

M&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 20.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  13.49% to 20.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Unlimited 1.5% cash back on every purchase
  • • 0% introductory APR on balance transfers and purchases for 12 months
  • • No annual fee, No foreign transaction fees
  • • 10,000 bonus points after $500 in purchases the first 90 days
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 13.49% to 20.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 13.49% to 20.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: 24.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 19, 2019

M&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 20.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  13.49% to 20.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% varies based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% introductory APR on balance transfers and purchases for 12 months
  • • No annual fee
  • • Earn 10,000 bonus points after $500 in purchases in the first 90 days
  • • Low APR after introductory period
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 13.49% to 20.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 13.49% to 20.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.49% varies based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: 24.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 23, 2019

Regions
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  13.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 0% introductory APR for 6 months on Purchases posted in the same period
  • • Your business can earn 1 point for each $1 spent on qualifying purchases
  • • Save up to 15% on business purchases with designated merchants through the Visa SavingsEdge
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 13.49% to 21.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 13.49% to 21.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars.
     Late Payment Penalty Fee: Up to $49
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

April 17, 2019

BB&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% introductory annual percentage rate for 15 months on purchases and balance transfers
  • • Earn cash back with BB&T Deals
  • • Zero liability unauthorized purchase protection
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of each advance ($10 minimum)
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 3% or $10 minimum on transactions greater than $10
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 03, 2019

SunTrust
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 23.49% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  13.49% to 23.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 5% cash back on up to $6,000 spent on gas and grocery purchases in the first twelve months of account opening
  • • Unlimited 2% cash back on gas and grocery purchases after introductory bonus cash back period ends
  • • Unlimited 1% cash back on all other qualifying purchases, no annual fee
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 13.49% to 23.49% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 13.49% to 23.49% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

June 11, 2019

SunTrust
Learn More
Processing Network
Mastercard
  • Annual Fee  $0 for the first year. After that, $89
  • Regular Purchase APR  13.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • $250 statement credit when you spend $3,000 in the first three months of account opening
  • • 3% unlimited cash back on travel qualifying purchases
  • • 2% unlimited cash back on dining and 1% unlimited cash back on all other purchases
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: $0 for the first year. After that, $89
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 18, 2019

SunTrust
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  13.49% to 23.49%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.49% to 23.49%, based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24%
  • Credit Needed  Excellent , Good


Best Benefits
  • • 3 Year Introductory APR offer at Prime Rate (5.50%) on all balance transfers made within the first 60 days of account opening
  • • Intro balance transfer fee of $0 when you transfer a balance during the first 60 days your account is open
  • • 1% unlimited cash back, no annual fee, and no foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.49% to 23.49%, based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: Prime Rate (currently 5.50% variable) for the first 36 months for all balances transferred within 60 days of account opening. Note that the 5.50% APR rate is variable and will vary with the market based on the Prime Rate
     Balance Transfer APR: 13.49% to 23.49%, based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None for all balances transferred within 60 days of account opening, then $10.00 or 3% of the amount of the transfer, whichever is greater
     Cash Advance APR: 27.24%
     Cash Advance Transaction Fee: $10.00 or 4% of the amount of each advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 26, 2019

PNC
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.99 to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening
  • Balance Transfer APR  13.99 to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Get 50,000 bonus points after you make at least $750 in purchases during the first 3 months from account opening
  • • Earn 4 points per $1 on eligible purchases
  • • Earn up to a 75% bonus on base points when you maintain select banking accounts or digital wallets
  • • No limit to the amount of points you can earn
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening
     Regular Purchase APR: 13.99 to 23.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening
     Balance Transfer APR: 13.99 to 23.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
     Cash Advance APR: 24.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 31.24% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: Up to $38
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 12, 2019

The
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • 0% introductory APR on purchases and balance transfers for 15 months
  • • No annual fee
  • • Protection against fraudulent purchases
  • • Auto Rental Collision Damage coverage
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 465 days from account opening date
     Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 2% of the transaction amount or foreign ATM advance transaction in U.S. Dollars, 3% of the transaction amount or foreign ATM advance transaction in a foreign currency
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

May 22, 2019

KeyBank
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • Earn 10 points per $1 in combined purchases on gas, restaurants, travel, and telecommunications
  • • Earn 5 points per $1 in other eligible purchases
  • • Earn 100,000 bonus points when you spend $1,000 within the first 60 days from opening an account
  • • Introductory 0% APR for 6 months on purchases and balance transfers
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months on transfers made within 60 days from account opening date
     Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% (3% on convenience check cash advances) of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: $39 per cycle
     Minimum Deposit Required: N/A
     Credit Needed: Good , Fair

May 10, 2019

Union
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.5% variable based on the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • Earn 5 points per $1 spent, up to $25,000 annually, on business expense net purchases
  • • Earn 2 points per $1 spent, up to $25,000 annually, on gas station and restaurant net purchases
  • • Earn 1 point per $1 spent on all other purchases
  • • 0% introductory APR on purchases for 6 months after opening an account
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.5% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: $35
     Minimum Deposit Required: N/A
     Credit Needed: Good

April 22, 2019

Regions
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  14.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24 variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 0% introductory APR for 15 months on purchases that post in the same period
  • • 0% introductory APR for 15 months on balance transfers that post within 60 days of account opening
  • • Use instead of cash for everyday purchases to help you manage
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater.
     Cash Advance APR: 27.24 variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

January 24, 2019

Truly
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 15 billing cycles from account opening
  • Balance Transfer APR  14.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Introductory 0% APR on purchases and balance transfers for 15 billing cycles after account opening
  • • No annual fee
  • • No penalty APR for a missed payment
  • • Digital wallet compatibility designed to save time at checkout
Rates & Fees
     Intro Purchase APR: 0% for the first 15 billing cycles from account opening
     Regular Purchase APR: 14.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 15 billing cycles from account opening
     Balance Transfer APR: 14.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 31, 2018

NHL®
Learn More
Processing Network
Discover
  • Annual Fee  None
  • Regular Purchase APR  14.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 14 months from date of account opening.
  • Balance Transfer APR  14.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TVTM subscription when you use your Discover card
  • • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases
  • • Discover automatically matches all the cash back you've earned at the end of your first year—only for new cardmembers
  • • View your FICO® score for free on monthly statements, mobile, and online
Rates & Fees
     Intro Purchase APR: 0% for 14 months from date of account opening.
     Regular Purchase APR: 14.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 14 months from date of first transfer for transfers under this offer that post to your account by September 10, 2019
     Balance Transfer APR: 14.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None the first time you pay late. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

August 31, 2018

Discover
Learn More
Processing Network
Discover
  • Annual Fee  None
  • Regular Purchase APR  14.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 14 months from date of account opening
  • Balance Transfer APR  14.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn unlimited 1.5x Miles for every dollar spent on all purchases – from airfare and hotels to groceries and online shopping. Plus, your rewards never expire
  • • Discover will match all the Miles you've earned at the end of your first year, automatically
  • • Once you book your travel with Discover it® Miles card, redeem your Miles as a statement credit towards the purchase, with no blackout dates
  • • Use your Discover it® Miles card for any travel purchase, including all airlines, hotels, rental cars and more
Rates & Fees
     Intro Purchase APR: 0% for 14 months from date of account opening
     Regular Purchase APR: 14.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 10.99% for 14 months from date of first transfer for transfers under this offer that post to your account by September 10, 2019
     Balance Transfer APR: 14.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None the first time you pay late. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 05, 2019

BMO
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.24%, 16.24%, 18.24%, or 21.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  14.24%, 16.24%, 18.24%, or 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • $200 cash back bonus when you spend $2,000 in the first three months of account opening
  • • 2% cash back per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spending each calendar quarter; 1% cash back on all other purchases
  • • 0% introductory APR on purchases for 6 months from account opening date
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 14.24%, 16.24%, 18.24%, or 21.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
     Balance Transfer APR: 14.24%, 16.24%, 18.24%, or 21.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 06, 2019

BMO
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.24%, 16.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  14.24%, 16.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% introductory APR on purchases for 6 months from account opening date
  • • Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
  • • Mastercard cardholders get access to one-of-a-kind experiences in cities across the globe, hotel upgrades and other perks with Priceless® Cities
  • • Use your card at millions of locations worldwide, wherever Mastercard® credit cards are accepted
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 14.24%, 16.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
     Balance Transfer APR: 14.24%, 16.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: EIther $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 06, 2019

BMO
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.24%, 19.24%, or 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening date
  • Balance Transfer APR  14.24%, 19.24%, or 23.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Easily earn rewards points each time you make a purchase at a supplier or vendor that you use to help run your business. There is no points expiration or limit
  • • No annual fee
  • • 0% introductory APR on purchases for first 9 months from date of opening account
  • • 25,000 bonus points when you spend $6,000 in the first 3 months of account opening
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening date
     Regular Purchase APR: 14.24%, 19.24%, or 23.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening date
     Balance Transfer APR: 14.24%, 19.24%, or 23.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, withever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 21, 2018

U.S.
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 20 months from account opening date
  • Balance Transfer APR  14.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Get a 0% introductory APR on purchases and balance transfers for 20 billing cycles
  • • Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
  • • Detects and notifies you of any unusual card activity to help prevent fraud
  • • Get your TransUnion® Credit Score at no cost
Rates & Fees
     Intro Purchase APR: 0% for 20 months from account opening date
     Regular Purchase APR: 14.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 20 months on balances transferred within 60 days from account opening
     Balance Transfer APR: 14.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 29, 2018

Wells
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 27.49% variable based on the Prime Rate
  • Intro Purchase APR  0% for 15 months
  • Balance Transfer APR  14.49% to 27.49% variable based on the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0.00% Introductory APR for 15 months on purchases and balance transfer
  • • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases
  • • 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)
  • • Free access to your FICO® Credit Score with Wells Fargo Online®
Rates & Fees
     Intro Purchase APR: 0% for 15 months
     Regular Purchase APR: 14.49% to 27.49% variable based on the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
     Balance Transfer APR: 14.49% to 27.49% variable based on the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

May 21, 2019

KeyBank
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 6 months from account opening date
  • Balance Transfer APR  14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 5 points per $1 spent on eligible purchases with no caps
  • • Spend at least $1,000 per calendar month and you'll earn a 25% monthly points bonus
  • • Spend at least $2,000 per calendar month and you'll earn a 50% monthly points bonus
  • • 0% APR on purchases and balance transfers for 6 months
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 6 months from account opening date
     Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 6 months on balances transferred within 60 days from account opening date
     Balance Transfer APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: $10 on each overdraft protection transfer
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 26, 2019

PNC
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Get a $100 bonus after you make at least $1,000 in purchases during the first 3 months from account opening
  • • Earn 4% cash back on gas station purchases, 3% on purchases at restaurants, 2% on grocery story purchases, and 1% on all other purchases
  • • Cash back never expires as long as your account is open
  • • 0% APR on balance transfers for 12 months
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days of account opening
     Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
     Cash Advance APR: 24.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 30.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: Up to $38
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

September 05, 2018

Amex
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $95
  • Regular Purchase APR  14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% intro APR on purchases and balance transfers for 12 months
  • • Earn 15,000 Membership Rewards® Points after making $1,000 in purchases in your first 3 months
  • • Earn 50% more points when you make 30 or more purchases with your Card in a billing period
  • • Earn 2X points per $1 at U.S. gas stations; earn 1 point per $1 on other eligible purchases
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers requested within 60 days from account opening date
     Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: $95
     Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 14, 2018

Amex
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  14.99% to 25.99% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  14.99% to 25.99% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 20% extra points when you make 20 or more purchases in a billing period
  • • Earn 2X points per dollar spent at U.S. supermarkets and 1X points on every other eligible dollar spent
  • • Enjoy the flexibility of carrying a balance
  • • 0% intro APR on purchases and balance transfers for 15 months
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 14.99% to 25.99% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers requested within 60 days from account opening date
     Balance Transfer APR: 14.99% to 25.99% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

September 05, 2018

Cash
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  14.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  14.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership
  • • Introductory purchase and balance transfer APR of 0% for 15 months
  • • Unlimited 1.5% cash back on your purchase
  • • Enjoy the option of carrying a balance with interest or paying in full each month
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 14.99% to 25.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers requested within 60 days from account opening date
     Balance Transfer APR: 14.99% to 25.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 13, 2018

Blue
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $95
  • Regular Purchase APR  14.99% to 25.99% variable based on creditworthiness the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  14.99% to 25.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn $250 back after you spend $1,000 in purchases on your new card in your first 3 months
  • • Earn 6% cash back on U.S. streaming subscriptions and at U.S. supermarkets
  • • Earn 3% back on transit purchases and at U.S. gas stations
  • • Earn 1% back on all other eligible purchases
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 14.99% to 25.99% variable based on creditworthiness the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers requested within 60 days from account opening date
     Balance Transfer APR: 14.99% to 25.99% variable based on creditworthiness the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: $95
     Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

November 12, 2018

Discover
Learn More
Processing Network
Discover
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from date of account opening
  • Balance Transfer APR  15.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 1.5% unlimited cash back with no expiration for your rewards
  • • Discover automatically matches all the cash back you've earned at the end of your first year
  • • No annual fee
  • • Issue additional cards for employees at no extra cost
Rates & Fees
     Intro Purchase APR: 0% for 12 months from date of account opening
     Regular Purchase APR: 15.24% to 23.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 23.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None for first late payment. After that, up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 31, 2018

Discover
Learn More
Processing Network
Discover
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from date of account opening
  • Balance Transfer APR  15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
  • • Discover matches all the cash back you've earned at the end of your first year, automatically
  • • Cash back rewards do not expired and can be redeemed at any time
Rates & Fees
     Intro Purchase APR: 0% for 6 months from date of account opening
     Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers under this offer that post to your account by September 10, 2019.
     Balance Transfer APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None the first time you pay late. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

August 27, 2018

BankAmericard®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 15 months from closing date of account opening
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  18.24% to 27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Make the most of balance transfers with a generous introductory 0% APR period and no balance transfer fees for the first 15 months from the date of account opening
  • • Access your FICO® Score for free with monthly reports within your Mobile Banking app or in Online Banking
  • • No annual fee
  • • You won't be penalized with a higher APR for paying your credit card statement late
Rates & Fees
     Intro Purchase APR: 0% for the first 15 months from closing date of account opening
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for the first 15 months for transfers made within 60 days of account opening
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: $0 introductory fee for transfers made within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 18.24% to 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 27, 2018

BankAmericard®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 15 months from the date of account opening
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  18.24% to 27.24% variable based on the Prime Rate
  • Credit Needed  Fair , Poor , No Credit Required


Best Benefits
  • • Ideal for building or establishing responsible use of credit
  • • Generous balance transfer terms, with introductory 0% APR and $0 balance transfer fees
  • • Get access to credit and budgeting education, as well as fee monthly FICO Score reports
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 15 months from the date of account opening
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for the first 15 months for transfers made within 60 days from the date of account opening
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: $0 introductory fee for transactions made within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 18.24% to 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , Poor , No Credit Required

June 26, 2019

Sallie
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • Earn unlimited 1.25% cash back on every purchase, every day
  • • Earn a 25% bonus on any cash back rewards used to pay down student loans
  • • 0% introductory APR on purchases for 12 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to $39
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

April 23, 2019

Regions
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 0% introductory APR for 12 months on purchases that post in the same period
  • • 0% introductory APR for 12 months on balance transfers that post within 60 days of account opening
  • • Earn 10,000 bonus points, which can be redeemed for $100 cash
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater.
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

June 26, 2019

Sallie
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • Earn unlimited 1% cash back on every purchase, every day
  • • Get a 25% bonus on your cash back rewards when you make 6 consecutive on-time payments
  • • 0% introductory APR on purchases for 6 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

June 26, 2019

Sallie
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Earn unlimited 1.25% cash back on every purchase, every day
  • • Earn a 25% bonus on cash back rewards earned from your top two purchase categories each month
  • • No annual fee
  • • 0% introductory APR on purchases for 12 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

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