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Balance Transfer Cards

Already have a balance? We think these offers from our partners are some of the top credit cards for balance transfers.


May 10, 2019

Union
Learn More
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

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
Learn More
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

May 10, 2019

Union
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  12.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.5% variable based on the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • 0% introductory APR for 6 months from account opening date on purchases and balance transfers
  • • Low regular APR after introductory APR offer ends
  • • No annual fee
  • • Chip security and 24/7 online account access
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 12.24% to 20.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months from account opening date
     Balance Transfer APR: 12.24% to 20.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for the first 6 months from account opening. After that, 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: 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

May 06, 2019

PNC
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.24% variable based on the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • Introductory APR of 0% for 13 months on balance transfers
  • • No annual fee
  • • Add, activate, or close employee cards and set spending limits for each
  • • Manage your transactions online and download them to accounting software programs
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 13 months on transfers made within 90 days from account opening
     Balance Transfer APR: 12.24% 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: Good

May 21, 2019

KeyBank
Learn More
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

USAA
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Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  13.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  13.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • 2,500 bonus points credited to your account with your first purchase
  • • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months from account opening
     Balance Transfer APR: 13.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
     Cash Advance APR: 13.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

August 29, 2018

USAA
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  13.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • 2,500 bonus points credited to your account with your first purchase
  • • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months from account opening
     Balance Transfer APR: 13.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
     Cash Advance APR: 13.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

April 17, 2019

BB&T
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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

April 26, 2019

PNC
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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

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

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

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

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

May 10, 2019

Citizens
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.99%, 18.99%, or 22.99% variable based on creditworthiness and the LIBOR
  • Balance Transfer APR  14.99%, 18.99%, or 22.99% variable based on creditworthiness and the LIBOR
  • Cash Advance APR  24.24% variable based on the LIBOR
  • Credit Needed  Good


Best Benefits
  • • Introductory 0% APR on balance transfers for 18 months from account opening date
  • • No annual fee
  • • Travel accident and baggage delay insurance included
  • • Digital wallet compatibility for in-store and in-app touchless purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 14.99%, 18.99%, or 22.99% variable based on creditworthiness and the LIBOR
     Intro Balance Transfer APR: 0% for the first 18 months from date of account opening
     Balance Transfer APR: 14.99%, 18.99%, or 22.99% variable based on creditworthiness and the LIBOR
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.24% variable based on the LIBOR
     Cash Advance Transaction Fee: Either $10 or up to 3% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to 29.99% variable
     Annual Fee: None
     Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

August 27, 2018

BankAmericard®
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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

January 24, 2019

Stand
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 12 billing cycles from account opening
  • Balance Transfer APR  15.24% to 26.24% 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 1 Real Life Rewards® point for each $1 spent on purchases
  • • Redeem points for a charitable contribution to Stand Up To Cancer or redeem for gift cards, cash deposits to a Fifth Third Account, or a credit card statement credit
  • • 0% introductory APR on purchases and balance transfers for your first 12 billing cycles after the account is opened
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 12 billing cycles from account opening
     Regular Purchase APR: 15.24% to 26.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 billing cycles from account opening
     Balance Transfer APR: 15.24% to 26.24% 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 $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 US 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

November 09, 2018

HSBC
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24%, 19.24%, or 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% Introductory APR will apply for the first 12 months from Account opening.
  • Balance Transfer APR  15.24%, 19.24%, or 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
  • • Special introductory offer: Earn 3% cash back on all purchases made in the first 12 months from account opening, up to the first $10,000 in purchases
  • • Unlimited 1.5% cash back earning on all purchases
  • • 10% bonus on all cash rewards earned each account anniversary, 0% Intro APR on purchases and balance transfers for first 12 months account is open
  • • No annual fee and no foreign transaction fees
Rates & Fees
     Intro Purchase APR: 0% Introductory APR will apply for the first 12 months from Account opening.
     Regular Purchase APR: 15.24%, 19.24%, or 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months on transfers posted within the first 60 days following account opening
     Balance Transfer APR: 15.24%, 19.24%, or 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 transaction, whichever is greater
     Penalty APR: 32.24% variable based on the Prime Rate
     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

August 31, 2018

Citi®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.74% to 25.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 18 months from date of account opening
  • Balance Transfer APR  15.74% to 25.74% 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 18 months from date of account opening
  • • Apple Pay® compatibility makes it easy to complete purchases
  • • Citi® Private Pass® grants special access to purchase tickets to concerts, dining experiences, and sporting events
  • • Enjoy peace of mind with Identity Theft and travel protection
Rates & Fees
     Intro Purchase APR: 0% for 18 months from date of account opening
     Regular Purchase APR: 15.74% to 25.74% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 18 months from date of first transfer when completed within 4 months from date of account opening
     Balance Transfer APR: 15.74% to 25.74% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 5% 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 transaction, whichever is greater
     Penalty APR: Up to 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each purchase transaction in US 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 21, 2018

U.S.
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  15.99% 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 $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
  • • Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories of your choice
  • • Earn 2% cash back on one everyday category, like gas stations or grocery stores
  • • Earn 1% cash back on all other net purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.99% to 25.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on balances transferred within 60 days from account opening
     Balance Transfer APR: 15.99% 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 21, 2018

U.S.
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  15.99% 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
  • • Earn a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
  • • Travel more than 100 miles from home and you'll have 24/7 access to medical, legal, and financial help if the unexpected happens
  • • Receive reimbursement of the price difference on an eligible item purchased entirely with your Card if an identical item is found for a lower price within 30 days of the purchase
  • • Get your cash back in the form of a statement credit, a direct deposit into your U.S. Bank checking or savings account, or as a rewards card
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.99% to 25.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for first 12 billing cycles
     Balance Transfer APR: 15.99% 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 15, 2018

Wells
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening
  • Balance Transfer APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 3X points on dining, travel, gas stations, and streaming services
  • • Earn 1 rewards point per U.S. dollar spent on other purchases
  • • Rewards points earning is unlimited and points do not expire as long as your account remains open
  • • Enjoy cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo credit card
  • • Receive complimentary discounts or food and beverage items at participating restaurants
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening
     Regular Purchase APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on qualifying transfers made within 120 days from account opening
     Balance Transfer APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory $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 transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on creditworthiness and 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: 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 15, 2018

Wells
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months
  • Balance Transfer APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • • 1.5% cash rewards on everyday purchases
  • • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) du
Rates & Fees
     Intro Purchase APR: 0% for 12 months
     Regular Purchase APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 120 days from account opening
     Balance Transfer APR: 15.99% to 27.99% 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 12 months. 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 creditworthiness and 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: Excellent , Good

January 24, 2019

TRIO®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  16.24% 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
  • • New cardholders can earn a $100 cash back bonus by spending $1,000 within 90 days of account opening
  • • Earn 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores
  • • Earn 1% unlimited cash back rewards on all other purchases
  • • 0% introductory APR on balance transfers for the first 12 months after account opening
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 billing cycles from account opening
     Balance Transfer APR: 16.24% 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 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: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

May 10, 2019

Union
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  16.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  16.24% to 26.24% 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 $6,000 annually, on mobile wallet net purchases
  • • Earn 3 points per $1 spent, up to $6,000 annually, on restaurant net purchases
  • • Earn 2 points per $1 spent, up to $6,000 annually, on gas and grocery store net purchases
  • • Earn 1 point per $1 spent on all other purchases
  • • Get a 25% reward bonus when you redeem points as a deposit to a Union Bank checking, savings, or money market account
  • • Get a 50% reward bonus when you redeem points as a principal reduction payment to a Union Bank mortgage
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 16.24% to 26.24% 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: 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

May 10, 2019

Union
Learn More
Processing Network
Visa
  • Annual Fee  $0 for the first year. After that, $49
  • Regular Purchase APR  16.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  16.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.5% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 3 points per $1 spent, up to $6,000 annually, on travel net purchases
  • • Earn 2 points per $1 spent, up to $6,000 annually, on restaurant net purchases
  • • Earn 1 point per $1 spent on all other purchases
  • • Get a 50% reward bonus when you redeem points as a principal reduction payment to a Union Bank mortgage
  • • Get a 25% reward bonus when you redeem points as a deposit to a Union Bank checking, savings, or money market account
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 16.24% to 26.24% 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: 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: $0 for the first year. After that, $49
     Foreign Transaction Fee: None
     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: Excellent , Good

June 05, 2019

BMO
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.24%, 18.24%, 21.24% or 24.24% based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  16.24%, 18.24%, 21.24% or 24.24% based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; receive 1 point per $1 spent on all other purchases
  • • 0% introductory APR on purchases for 6 months from account opening date
  • • Earn 25,000 bonus points when you spend $2,000 in the first 3 months of account opening
  • • 10% anniversary point bonus every year
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 16.24%, 18.24%, 21.24% or 24.24% 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: 16.24%, 18.24%, 21.24% or 24.24% 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

August 31, 2018

Citi
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.74% to 26.74% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  16.74% to 26.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  16.74% to 26.74% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% intro APR on balance transfers for 21 months from date of first transfer
  • • 0% Intro APR on purchases for 12 months from date of account opening
  • • No annual fee
  • • Choose to pay your bill on any available due date in the beginning, middle or end of the month
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 16.74% to 26.74% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 21 months on transfers made within 4 months from account opening date
     Balance Transfer APR: 16.74% to 26.74% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
     Cash Advance APR: 16.74% to 26.74% variable based on creditworthiness and 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: 3% of the transaction amount in US dollars
     Late Payment Penalty Fee: None
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

May 10, 2019

Citizens
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.99%, 20.99%, or 24.99% variable based on creditworthiness and the LIBOR
  • Balance Transfer APR  16.99%, 20.99%, or 24.99% variable based on creditworthiness and the LIBOR
  • Cash Advance APR  24.24% variable based on the LIBOR
  • Credit Needed  Good


Best Benefits
  • • Earn unlimited 1.8% cash back on every purchase
  • • No rotating categories on enrollments required to earn cash back
  • • Introductory 0% APR on balance transfers for 15 months from account opening date
  • • No annual or foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.99%, 20.99%, or 24.99% variable based on creditworthiness and the LIBOR
     Intro Balance Transfer APR: 0% for first 15 months from account opening
     Balance Transfer APR: 16.99%, 20.99%, or 24.99% variable based on creditworthiness and the LIBOR
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.24% variable based on the LIBOR
     Cash Advance Transaction Fee: Either $10 or up to 3% 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 $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Good

August 29, 2018

Chase
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  17.24% to 25.99% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 15 months from date of account opening
  • Balance Transfer APR  17.24% 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
  • • Pay no interest on purchases or balance transfers for the first 15 months that your account is open
  • • 0% introductory APR for first 15 months from account opening
  • • Fewer cost worries with no annual fee and no penalty APR
  • • Get fraud alerts via phone, text, or email when Chase detects suspicious activity from your card; Learn more about the health of your credit with Chase Credit Journey℠
Rates & Fees
     Intro Purchase APR: 0% for the first 15 months from date of account opening
     Regular Purchase APR: 17.24% to 25.99% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for the first 15 months from date of account opening
     Balance Transfer APR: 17.24% to 25.99% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: $0 on transfers made within 60 days of account opening. After that, either $5 or 5% 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 transaction, 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: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 29, 2018

Wells
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  18.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months
  • Balance Transfer APR  18.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 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
  • • 0% introductory APR for 15 month on purchases and balance transfers
  • • Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more
  • • Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts , cell phone protection
Rates & Fees
     Intro Purchase APR: 0% for 15 months
     Regular Purchase APR: 18.49% to 27.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
     Balance Transfer APR: 18.49% to 27.49% 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% 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: 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: Excellent

August 15, 2019

Navy
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  8.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  8.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 10.24% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 8.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months
     Balance Transfer APR: 8.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 10.24% 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

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