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Compare the Best Credit Union Credit Cards

Finding the best credit union credit card can be challenging given the many options out there. Bestcards.com’s comprehensive reviews of credit union credit cards can help you find the ideal offer. Peruse the list from our partners below to find your perfect credit union card today.

  • Regular Purchase APR 10.20% to 20.20% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.20% to 20.20% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.20% to 20.20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Additional employee cards at no extra cost
  • No balance transfer fees
  • No cash advance fees
  • No annual fee
  • Auto rental insurance
  • Travel accident insurance coverage up to $500,000
Rates & Fees
  •  Regular Purchase APR: 10.20% to 20.20% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.20% to 20.20% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.20% to 20.20% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in US Dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.4% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.4% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.4% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Build credit with financial responsibility
  • No balance transfer fees
Rates & Fees
  •  Regular Purchase APR: 10.4% to 18% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.4% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.4% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
  •  Late Payment Penalty Fee: $25
  •  Credit Needed: Fair , Poor , No Credit Required

  • Regular Purchase APR 10.4% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.4% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.4% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Credit limit up to $15,000
  • 100% of the credit limit is available for cash advances
  • 25-day grace period on purchases
Rates & Fees
  •  Regular Purchase APR: 10.4% to 18% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.4% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.4% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
  •  Late Payment Penalty Fee: $35
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.40% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.40% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.40% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fees
  • No penalty APR
Rates & Fees
  •  Regular Purchase APR: 10.40% to 18% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.40% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.40% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
  •  Late Payment Penalty Fee: $25
  •  Credit Needed: Excellent , Good , Fair

  • Regular Purchase APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 0% introductory APR on balance transfers for 12 months
  • No annual fee
  • No fees on balance transfers, cash advances, and foreign transactions
  • First Tech's Lowest APR
Rates & Fees
  •  Regular Purchase APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Good , Fair

  • Regular Purchase APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.49% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • Earn 5,000 points after first purchase
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.49% to 18.00%% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $32
  •  Over Limit Penalty Fee: NONE
  •  Credit Needed: Good

  • Regular Purchase APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 2% above variable APR; 12.49% to 20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else
  • No annual fee
Rates & Fees
  •  Regular Purchase APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 2% above variable APR; 12.49% to 20% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $20
  •  Credit Needed: Excellent , Good , Fair

  • Regular Purchase APR 10.50% to 17.90%, variable based on credit worthiness and the Prime Rate
  • Balance Transfer APR 10.50% to 17.90%, variable based on credit worthiness and the Prime Rate
  • Cash Advance APR 12.50% to 17.90%, variable based on credit worthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fee
  • Competitive interest rates
Rates & Fees
  •  Regular Purchase APR: 10.50% to 17.90%, variable based on credit worthiness and the Prime Rate
  •  Balance Transfer APR: 10.50% to 17.90%, variable based on credit worthiness and the Prime Rate
  •  Cash Advance APR: 12.50% to 17.90%, variable based on credit worthiness and the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $15
  •  Return Payment Penalty Fee: Up to $30
  •  Credit Needed: Good , Fair

  • Regular Purchase APR 10.6%, 12%, or 15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.6%, 12%, or 15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.6%, 12%, or 15% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Low interest rate
  • Introductory APR on balance transfers for the first year
  • Set and remove your own travel notices
Rates & Fees
  •  Regular Purchase APR: 10.6%, 12%, or 15% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0%, 1.99%, or 2.99% for 12 months based on creditworthiness
  •  Balance Transfer APR: 10.6%, 12%, or 15% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.6%, 12%, or 15% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.65% to 18.00% , variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fees or balance transfer fees
  • Earn 1 point for every $1 spent, towards travel, merchandise, experiential, and cash rewards; earn unlimited points that don't expire
  • Get a 10% discount on travel bookings when you book with OneFineStay.com
  • Enjoy unlimited free two-day shipping with ShopRunner.com
Rates & Fees
  •  Regular Purchase APR: 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.65% to 18.00% , variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: $5.00 or 2% of the amount of each cash advance , whichever is greater. Maximum fee of $25.00
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited points per $1 spent with redemption values of 1.25% cash back or 1.00% on gift cards
  • No annual fee and no balance transfer fees
  • Zero Liability protection from fraudulent purchases
  • Unlimited free two-day shipping from ShopRunner.com and a 10% discount on travel bookings with OneFineStay.com
Rates & Fees
  •  Regular Purchase APR: 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 10.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: $5 or 2.00% of the amount of each cash advance, whichever greater, up to $25.00
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.65% variable based on the Prime Rate
  • Balance Transfer APR 10.65% variable based on the Prime Rate
  • Cash Advance APR 10.65% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No minimum credit line
  • Visa platinum benefits
Rates & Fees
  •  Regular Purchase APR: 10.65% variable based on the Prime Rate
  •  Balance Transfer APR: 10.65% variable based on the Prime Rate
  •  Cash Advance APR: 10.65% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: $5
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Over Limit Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.75% to 15.75% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.75% to 15.75% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.75% to 15.75% variable based on creditworthiness and the Prime Rate
  • Annual Fee Up to $25
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee depending upon your Member Merits category
  • Earn points for every purchase
  • Competitive APR
Rates & Fees
  •  Regular Purchase APR: 10.75% to 15.75% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.75% to 15.75% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: $4
  •  Cash Advance APR: 10.75% to 15.75% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: Up to $25
  •  Foreign Transaction Fee: Up to 1% of transaction amount in US Dollars
  •  Late Payment Penalty Fee: $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.75% variable based on the Prime Rate
  • Balance Transfer APR 10.75% variable based on the Prime Rate
  • Cash Advance APR 10.75% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 1.00% year-end rebate on purchases
  • No annual fee
  • No balance transfer fees
Rates & Fees
  •  Regular Purchase APR: 10.75% variable based on the Prime Rate
  •  Balance Transfer APR: 10.75% variable based on the Prime Rate
  •  Cash Advance APR: 10.75% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: $5
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: $25
  •  Over Limit Penalty Fee: 425
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.9% variable based on creditworthiness
  • Balance Transfer APR 10.9% variable based on creditworthiness
  • Cash Advance APR 10.9% variable based on creditworthiness
  • Annual Fee $12
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Enjoy special 2x bonus points on every purchase
  • Easily redeem points for a variety of rewards
  • Mobile wallet comparability
Rates & Fees
  •  Regular Purchase APR: 10.9% variable based on creditworthiness
  •  Balance Transfer APR: 10.9% variable based on creditworthiness
  •  Cash Advance APR: 10.9% variable based on creditworthiness
  •  Annual Fee: $12
  •  Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $37
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.90% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Show your Trekkie pride with every purchase - choose for 4 designs
  • Earn $300 cash back when you spend $2,000 in the first 90 days
  • 3X points on startrek.com purchases, 2X points on gas station purchases and 1 point for every other purchase.
  • No annual fee
Rates & Fees
  •  Regular Purchase APR: 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 6.90% to 17.99% variable based on creditworthiness and the Prime Rate on transfers made within the first 90 days
  •  Balance Transfer APR: 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.90% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the advance or $5, whichever is greater
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.90% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 1 point for every $1 you spend
  • Earn extra points at selected in-store and online merchants
  • Redeem your points for merchandise, gift cards and more
  • No annual fee
Rates & Fees
  •  Regular Purchase APR: 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 6.90% to 17.99% variable based on creditworthiness and the Prime Rate on transfers made within the first 90 days
  •  Balance Transfer APR: 10.90% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.90% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the advance of $5, whichever is greater
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $45
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 1 point for every dollar spent on eligible purchases
  • No annual fee
  • Great low APR
Rates & Fees
  •  Regular Purchase APR: 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 2% of the transaction cost or $10, whichever is greater
  •  Cash Advance APR: 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 2% of the advance or $10, whichever is greater
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for first 6 billing cycles
  • Balance Transfer APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 0% for first 6 billing cycles; 10.99% to 17.99% variable based on creditworthiness and the Prime Rate after that
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Special Introductory Rates For The First 6 Months
  • No Annual Fee
  • Free FICO® Score
  • No Balance Transfer Or Cash Advance Fees
Rates & Fees
  •  Intro Purchase APR: 0% for first 6 billing cycles
  •  Regular Purchase APR: 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for first 6 billing cycles
  •  Balance Transfer APR: 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 0% for first 6 billing cycles; 10.99% to 17.99% variable based on creditworthiness and the Prime Rate after that
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the converted transaction amount
  •  Late Payment Penalty Fee: Up to $27
  •  Return Payment Penalty Fee: Up to $27
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11% variable based on the Prime Rate
  • Balance Transfer APR 11% variable based on the Prime Rate
  • Cash Advance APR 11% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Excellent
  • Processing Network Visa
Best Benefits
  • Earn 3% cash back on gas, 2% on groceries, and 1% on all other purchases
  • Redeem for statement credits or in the Cash Back Mall
  • No annual fee
  • Visa Signature Concierge
Rates & Fees
  •  Regular Purchase APR: 11% variable based on the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months
  •  Balance Transfer APR: 11% variable based on the Prime Rate
  •  Cash Advance APR: 11% variable based on the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Good , Excellent

  • Regular Purchase APR 11% variable based on the Prime Rate
  • Balance Transfer APR 11% variable based on the Prime Rate
  • Cash Advance APR 11% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 3 rewards points for every $1 spent on gas; 2 points for every $1 spent on groceries; 1 point for every $1 spent on other qualified purchases
  • No annual fee
  • Visa Signature Concierge
Rates & Fees
  •  Regular Purchase APR: 11% variable based on the Prime Rate
  •  Intro Balance Transfer APR: 0% for the 12 months
  •  Balance Transfer APR: 11% variable based on the Prime Rate
  •  Cash Advance APR: 11% variable based on the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to 25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

Navy
  • Regular Purchase APR 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 2% above the variable APR; 13.15% to 20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network American Express
Best Benefits
  • Earn 30,000 Bonus Points when you spend $3,000 in the first 90 days
  • 1.99% intro APR on balance transfers for the first 6 months
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 1.99% introductory APR for 6 months
  •  Balance Transfer APR: 11.15% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 2% above the variable APR; 13.15% to 20% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $20
  •  Credit Needed: Excellent , Good , Fair

  • Regular Purchase APR 11.20% to 22.20% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.20% to 22.20% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.20% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No fees on balance transfers or cash advances
Rates & Fees
  •  Regular Purchase APR: 11.20% to 22.20% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 6.45% to 17.45% for 15 months from account opening date
  •  Balance Transfer APR: 11.20% to 22.20% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.20% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in US Dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 0% for 12 months from account opening date
  • Balance Transfer APR 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% intro APR for 12 months on purchases and cash advances
  • Earn 1 point for ever $1 you spend with your credit card
  • No balance transfer fees
Rates & Fees
  •  Intro Purchase APR: 0% for 12 months from account opening date
  •  Regular Purchase APR: 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 27.50%
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: $15
  •  Return Payment Penalty Fee: $25
  •  Credit Needed: Good , Fair

USAA®
  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Unlimited Points — 3X points for dining out, 2X points on gas and groceries, and 1X points for every dollar spent on other purchases
  • Special 4% SCRA Rate — When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty
  • Added Protection — We help give you peace of mind with: Experienced support if your identity is stolen, extended warranties on your purchases, and travel accident and baggage delay insurance
  • Pay no foreign transaction fees when you travel outside the U.S.
Rates & Fees
  •  Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness
  •  Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 2X points on dining and gas, 1X points on all other purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  •  Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49%
  • Cash Advance APR 11.49%
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Optional debt protection feature
  • Auto rental collision damage waiver through Visa®
  • No fees for balance transfers and cash advances
Rates & Fees
  •  Regular Purchase APR: 11.49%
  •  Cash Advance APR: 11.49%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25 at 5 days past due date
  •  Return Payment Penalty Fee: Up to $25
  •  Minimum Deposit Required: $500
  •  Credit Needed: Fair , Poor , No Credit Required

  • Regular Purchase APR 11.49% to 15.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 15.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 18.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fees
  • 1% cash back rewards on purchases
  • Comprehensive fraud protection
Rates & Fees
  •  Regular Purchase APR: 11.49% to 15.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.49% to 15.49% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 18.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 21.99% variable based on the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: $10 or the amount of the required minimum payment, whichever is less
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 0% Introductory APR on balance transfers for 12 months
  • No annual fee
  • Earn 1 point for every $1 spent with no cap and no expiration
  • No fees on balance transfers, cash advances, and foreign transactions
Rates & Fees
  •  Regular Purchase APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee $0
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 0% Introductory APR on balance transfers for the first 12 months
  • No annual fee
  • No fees on foreign transactions, cash advances, and balance transfers
  • Earn 20,000 bonus points when you spend $3,000 in the first 60 days
Rates & Fees
  •  Regular Purchase APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: none
  •  Cash Advance APR: 12.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: $0
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 10,000 points after making your first purchase
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $32
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 2% above variable APR; 13.49% to 20% variable based on creditworthiness and the Prime Rate
  • Annual Fee $0 for the first year; $49 after that
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 3x points on travel
  • Earn 2x points on all other purchases
  • $100 statement credit towards TSA Pre-Check or Global Entry applications
  • No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 2% above variable APR; 13.49% to 20% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18%
  •  Annual Fee: $0 for the first year; $49 after that
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to 20%
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49% to 18.00%, based on creditworthiness and variable with the Prime Rate
  • Balance Transfer APR 11.49% to 18.00%, based on creditworthiness and variable with the Prime Rate
  • Cash Advance APR 12.49% to 18.00% , based on creditworthiness and variable with the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2X points for all everyday purchases
  • Spend $3,000 in the first two months of opening an account to earn 20,000 bonus Rewards Points
  • Low, competitive APR
  • 0% introductory APR on balance transfers for 12 months, when balance transfer is completed within 90 days of opening an account
  • No annual fee, no balance transfer fee
  • Savings on Portland Trail Blazers gear, and discounted tickets to games
Rates & Fees
  •  Regular Purchase APR: 11.49% to 18.00%, based on creditworthiness and variable with the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 billing cycles from date of completed transfer, on balances transferred within first 90 days of account opening.
  •  Balance Transfer APR: 11.49% to 18.00%, based on creditworthiness and variable with the Prime Rate
  •  Cash Advance APR: 12.49% to 18.00% , based on creditworthiness and variable with the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25.00
  •  Return Payment Penalty Fee: Up to $25.00
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fees
  • No cash advance fees
  • Great low APR
Rates & Fees
  •  Regular Purchase APR: 11.49% to 26.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.49% to 26.49% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.49% to 26.49% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18.49% to 33.49% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of each transaction in U.S. Dollars (transactions made in foreign currency) 0.8% of each transaction in U.S. Dollars (transactions made in foreign currency, billed in U.S. Dollars)
  •  Late Payment Penalty Fee: Up to $15
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.65% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.65% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.65% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 10,000 bonus points after making $500 in purchases in the first 90 days
  • Low APR
  • No balance transfer fees
Rates & Fees
  •  Regular Purchase APR: 11.65% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.65% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.65% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 19.99%
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S dollars
  •  Late Payment Penalty Fee: Up to $37
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.65% to 18.00% variable based n creditworthiness on the Prime Rate
  • Balance Transfer APR 11.65% to 18.00% variable based n creditworthiness on the Prime Rate
  • Cash Advance APR 0% for the first 12 months; 11.65% to 18.00% variable based n creditworthiness on the Prime Rate after that
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • No foreign transaction fees
  • Earn 2% cash back on all purchases
Rates & Fees
  •  Regular Purchase APR: 11.65% to 18.00% variable based n creditworthiness on the Prime Rate
  •  Intro Balance Transfer APR: O% for the first 12 months
  •  Balance Transfer APR: 11.65% to 18.00% variable based n creditworthiness on the Prime Rate
  •  Cash Advance APR: 0% for the first 12 months; 11.65% to 18.00% variable based n creditworthiness on the Prime Rate after that
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $24
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 0% for 12 months; 12.15% to 18.00% variable based on creditworthiness and the Prime Rate after that
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • 2% cash back on all purchases
Rates & Fees
  •  Regular Purchase APR: 11.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months
  •  Balance Transfer APR: 11.65% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 0% for 12 months; 12.15% to 18.00% variable based on creditworthiness and the Prime Rate after that
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $24
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 1.5% cash back on all purchases made with your card 2% cash back for PenFed Honors Advantage members
  • 0% introductory APR on balance transfers for 12 months
  • Earn a $100 statement credit when you spend $1500 in the first 90 days
  • No annual fees, no foreign transaction fees, no caps, no limits
Rates & Fees
  •  Regular Purchase APR: 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% promotional rate for 12 months on transfers made between now and September 30, 2019.
  •  Balance Transfer APR: 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% per transaction
  •  Cash Advance APR: 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 5% or $5 minimum per cash advance
  •  Penalty APR: 17.99%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.74% to 17.99%, based on creditworthiness and the Prime Rate. A 3% balance transfer fee applies to each transfer.
  • Cash Advance APR 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 5x points per dollar spent on gas at the pump, and 3x points on groceries. 1x points on all other purchases
  • $100 statement credit, when you spend $1,500 in first 90 days of card account opening
  • 0% intro APR on balance transfers for 12 months after account opening
  • No annual fees and no foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months on transfers made between now and September 30, 2019
  •  Balance Transfer APR: 11.74% to 17.99%, based on creditworthiness and the Prime Rate. A 3% balance transfer fee applies to each transfer.
  •  Balance Transfer Transaction Fee: 3% per transaction
  •  Cash Advance APR: 11.74% to 17.99%, based on creditworthiness and the Prime Rate
  •  Penalty APR: 17.99%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 5,000 bonus points if you spend $1,000 in the first 90 days
  • Earn 500 points just for signing up
  • Earn one point for every dollar spent
  • No annual fee
Rates & Fees
  •  Regular Purchase APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of each advance transaction
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1.10% of each transaction in U.S. dollars
  •  Late Payment Penalty Fee: 10% of amount past due, $15 minimum
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.99%, 12.99%, 13.94%, 13.99%, or 14.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.99%, 12.99%, 13.94%, 13.99%, or 14.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.99%, 12.99%, 13.94%, 13.99%, or 14.49% variable based on creditworthiness and the Prime Rate after that
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fees
  • Earn rewards with every purchase
  • Redeem points towards travel, cash back, merchandise, charity, and more
Rates & Fees
  •  Regular Purchase APR: 11.99%, 12.99%, 13.94%, 13.99%, or 14.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 11.99%, 12.99%, 13.94%, 13.99%, or 14.49% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 11.99%, 12.99%, 13.94%, 13.99%, or 14.49% variable based on creditworthiness and the Prime Rate after that
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction cost in U.S. Dollars if the transaction involves a currency conversion; 0.8% of the transaction in U.S. Dollars if the transaction does not involve a currency conversion
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.24% to 16.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% to 16.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.24% to 16.74% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 3x points on gas and groceries for the first 6 months
  • Access to the Visa Signature Luxury Hotel Collection
Rates & Fees
  •  Regular Purchase APR: 12.24% to 16.74% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 12.24% to 16.74% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.24% to 16.74% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR 3.99% for the first 180 days
  • Balance Transfer APR 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 3.99% for the first 6 months; 12.24% to 17.99% variable based on creditworthiness and the Prime Rate after that
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 2,500 bonus points when you spend $1,000 in the first 3 months
  • No annual fee
  • Earn 2x points for grocery, gas, and pharmacy purchases
  • Intro 3.99% APR for 6 months
Rates & Fees
  •  Intro Purchase APR: 3.99% for the first 180 days
  •  Regular Purchase APR: 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 3.99% for the first 180 days
  •  Balance Transfer APR: 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 3.99% for the first 6 months; 12.24% to 17.99% variable based on creditworthiness and the Prime Rate after that
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of each transaction in U.S. dollars
  •  Late Payment Penalty Fee: Up to $20
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.4% to 17.99% variable based on creditworthiness
  • Balance Transfer APR 12.4% to 17.99% variable based on creditworthiness
  • Cash Advance APR 14.40% to 18% variable based on creditworthiness
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Fixed rate as low as 12.4% APR
  • No annual fee
  • No extra fees
Rates & Fees
  •  Regular Purchase APR: 12.4% to 17.99% variable based on creditworthiness
  •  Intro Balance Transfer APR: 6.9% to 17.99% variable based on creditworthiness on balance transfers made within the first 90 days
  •  Balance Transfer APR: 12.4% to 17.99% variable based on creditworthiness
  •  Cash Advance APR: 14.40% to 18% variable based on creditworthiness
  •  Cash Advance Transaction Fee: 3% of the advance or $5, whichever is greater
  •  Penalty APR: 18%
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Poor , No Credit Required

  • Regular Purchase APR 12.4% variable based on the Prime Rate
  • Balance Transfer APR 12.4% variable based on the Prime Rate
  • Cash Advance APR 12.4% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • High credit limits and exclusive benefits
  • 1% end-of-year rebate on purchases
Rates & Fees
  •  Regular Purchase APR: 12.4% variable based on the Prime Rate
  •  Balance Transfer APR: 12.4% variable based on the Prime Rate
  •  Cash Advance APR: 12.4% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: $5
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S dollars
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Over Limit Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.40% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.40% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Redeem rewards points for merchandise, travel, gift cards, and more
  • No balance transfer fee
Rates & Fees
  •  Regular Purchase APR: 12.40% to 18% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 12.40% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.40% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
  •  Late Payment Penalty Fee: $25
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
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
  •  Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months from account opening
  •  Balance Transfer APR: 12.40% to 27.40% 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: 12.40% to 27.40% 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
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Good

USAA
  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network American Express
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
  •  Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months from account opening
  •  Balance Transfer APR: 12.40% to 27.40% 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: 12.40% to 27.40% 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
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Good

  • Regular Purchase APR 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Get 5,000 bonus points after spending $2,000 within the first 90 days of opening an account
  • Earn 1 point for every dollar you spend, no matter the purchase
  • Redeem your points for travel, cash back, gift cards, and more
Rates & Fees
  •  Regular Purchase APR: 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: None
  •  Late Payment Penalty Fee: Up to $25 at 5 days
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Good , Fair

  • Regular Purchase APR 12.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee $75
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee for the first year
  • Earn 3x points on travel purchases and 2x points on dining
  • No fees on foreign transactions, cash advances, and balance transfers
  • 0% intro APR for 12 months on balance transfers
Rates & Fees
  •  Regular Purchase APR: 12.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for 12 months from account opening date
  •  Balance Transfer APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 12.49% to 18% variable based on creditworthiness and the Prime Rate
  •  Annual Fee: $75
  •  Late Payment Penalty Fee: Up to $25
  •  Return Payment Penalty Fee: Up to $25
  •  Credit Needed: Excellent , Good

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