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Cash Back Cards

Earn cash and other rewards back on everyday purchases with these credit cards. Compare the offers from our partners below.


August 12, 2019

Bethpage
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  2.99% to 4.99% for 12 months from account opening date
  • Balance Transfer APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  10.40% to 24.40% variable based on the Prime Rate
  • Credit Needed  Fair


Best Benefits
  • • Earn 0.50% cash back on month-end purchase balances between $1.00 and $4,000
  • • Earn 1% cash back on net purchases over $4,000
  • • No annual fee
  • • No balance transfer fee
Rates & Fees
     Intro Purchase APR: 2.99% to 4.99% for 12 months from account opening date
     Regular Purchase APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 2.99% to 4.99% for 12 months from account opening date
     Balance Transfer APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 10.40% to 24.40% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Penalty APR: 24.40%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: Up to $25
     Minimum Deposit Required: N/A
     Credit Needed: Fair

August 12, 2019

Quorum
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Processing Network
Mastercard
  • Annual Fee  None
  • 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  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


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
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 11.15% 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
     Penalty APR: N/A
     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
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: None
     Credit Needed: Excellent , Good

August 14, 2019

Navy
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  11.90% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.90% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • Earn 1.5% cash back on purchases
  • • Get $250 Bonus Cash
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.90% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.90% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18.00%
     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

August 13, 2019

Randolph-Brooks
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.15% to 18.00% variable based n creditworthiness on the Prime Rate
  • Balance Transfer APR  12.15% to 18.00% variable based n creditworthiness on the Prime Rate
  • Cash Advance APR  0% for the first 12 months; 12.15% to 18.00% variable based n creditworthiness on the Prime Rate after that
  • Credit Needed  Excellent , Good


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
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.15% to 18.00% variable based n creditworthiness on the Prime Rate
     Intro Balance Transfer APR: O% for the first 12 months
     Balance Transfer APR: 12.15% to 18.00% variable based n creditworthiness on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 0% for the first 12 months; 12.15% to 18.00% variable based n creditworthiness on the Prime Rate after that
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $24
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 28, 2018

USAA®
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Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


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
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.15% 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: 12.15% 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: Excellent , Good

August 15, 2018

USAA®
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


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
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.15% 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: 12.15% 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: Excellent , Good

August 02, 2019

University
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  3.99% for the first 6 months
  • 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
  • Credit Needed  Excellent , Good


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 6 months
     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 6 months
     Balance Transfer APR: 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     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
     Cash Advance Transaction Fee: None
     Penalty APR: None
     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
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 16, 2019

BB&T
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Processing Network
Visa
  • Annual Fee  $125, waived annually with BB&T Wealth Division advisor-assigned relationship at time of account opening
  • 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  15.4% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn 1.5% cash rewards for each dollar you spend on net qualified purchases
  • • Redeem rewards earned in any way you choose. Enjoy cash back, travel, entertainment, charitable contributions and more
  • • The $125 annual fee is waived for BB&T Wealth clients assigned to a Wealth advisor; There are no foreign transaction, cash advance, balance transfer, late payment or exceeding credit limit fees
  • • Exclusive benefits including complimentary travel and shopping discounts at participating retailers
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.4% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.4% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 15.4% variable based on the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: N/A
     Annual Fee: $125, waived annually with BB&T Wealth Division advisor-assigned relationship at time of account opening
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 29, 2018

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


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

June 20, 2019

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.14% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening date
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • No foreign transaction fees
  • • Earn 1.5% cash back on every $1 spent
  • • Choice of cash back or rewards points
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening date
     Regular Purchase APR: 13.14% to 23.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 9 months from account opening date
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: Either $10 or 4% 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: None
     Late Payment Penalty Fee: Up to $50
     Return Payment Penalty Fee: $29
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

May 06, 2019

PNC
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Processing Network
Visa
  • Annual Fee  $0 to $500
  • Regular Purchase APR  13.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Choose either a pay-in-full option or a revolving credit option to pay off your balance
  • • Choose between cash rebates, PNC points®, and travel rewards as your card's rewards program
  • • No foreign transaction fees, No fees for additional employee cards, Add your company's logo to your card
  • • Earn a $750 statement credit when you spend $25,000 using your new card, during the first three billing cycles after account opening. Expires December 31, 2019
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 13.24% to 19.24% 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 ($75 maximum)
     Penalty APR: 31.24% variable based on the Prime Rate
     Annual Fee: $0 to $500
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $49
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: Up to $69
     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  13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening
  • Balance Transfer APR  13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn a $200 bonus when you make at least $3,000 in purchases within the first 3 months from account opening
  • • Earn 1.5% cash back on all purchases
  • • No limit to the amount of cash back that you can earn
  • • Redeem cash back anytime as a statement credit or as a deposit into an eligible PNC Business checking or savings account
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening
     Regular Purchase APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance 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 of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: $35
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

July 05, 2019

Bethpage
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Processing Network
Mastercard
  • Annual Fee  $95
  • Regular Purchase APR  13.4% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  13.4% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  13.4% to 18% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Fair


Best Benefits
  • • Earn 25,000 promotional points when you spend $3,000 within 90 days of opening your account
  • • Earn 2 points for every $1 spent on all purchases
  • • Earn 3 points for every $1 spent in one category of your choice
  • • No foreign transaction fees or balance transfer fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 13.4% to 18% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 13.4% to 18% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 13.4% to 18% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: 18%
     Annual Fee: $95
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: The lesser of minimum payment due or $25
     Return Payment Penalty Fee: N/A
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair

June 18, 2019

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


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

June 03, 2019

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


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

June 18, 2019

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


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

August 15, 2018

USAA®
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Easy, Unlimited 1.5% Cash Back on 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
     Intro Purchase APR: N/A
     Regular Purchase APR: 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.15% 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: 14.15% 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: Excellent , Good

August 16, 2018

USAA®
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  14.15% to 28.15% variable based on your creditworthiness and the Prime Rate
  • Balance Transfer APR  14.15% to 28.15% variable based on your creditworthiness and the Prime Rate
  • Cash Advance APR  14.15% to 28.15% variable based on your creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn a $150 bonus after you make $500 in Qualifying Purchases within the first 90 days of opening your account
  • • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • • Extend your manufactur
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 14.15% to 28.15% variable based on your creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.15% to 28.15% variable based on your creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
     Cash Advance APR: 14.15% to 28.15% variable based on your 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: Excellent , Good

August 17, 2018

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


Best Benefits
  • • Earn 5% cash back in different categories such as grocery stores, restaurants, Amazon.com, and wholesale clubs
  • • Earn 1% cash back on all other purchases
  • • Discover automatically matches all the cash back earned, dollar for dollar, at the end of the first year
  • • Cash back rewards never expire and can be redeemed in any amount, at any time
Rates & Fees
     Intro Purchase APR: 0% for 14 months from account opening
     Regular Purchase APR: 14.24% to 25.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for 14 months from date of first transfer for transfers that post by November 10, 2019
     Balance Transfer APR: 14.24% to 25.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None the first time you pay late. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 31, 2018

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


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

August 31, 2018

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


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

August 31, 2018

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


Best Benefits
  • • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% cash back on all other purchases
  • • Your cash back never expires. Redeem your rewards in any amount, at any time
  • • Discover automatically matches all the cash back you've earned at the end of your first year
  • • Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report
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 October 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None the first time you pay late. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 05, 2019

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


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

June 19, 2019

M&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 21.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  14.49% to 21.49% 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
  • • Earn 10,000 bonus points after making $500 in purchases during first 90 days
  • • No annual fee
  • • Add employee cards at no additional cost, plus the ability to manage spend limits for all users
  • • 0% intro APR on transactions and balance transfers for the first 12 months
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 14.49% to 21.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 14.49% to 21.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
     Penalty APR: 24.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $35
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

June 20, 2019

SunTrust
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 21.49%, based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 12 months
  • Balance Transfer APR  14.49% to 21.49%, based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.49%
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% APR introductory rate on purchases for the first 12 months account is open
  • • 5% cash back on office supply and fuel purchases on the first $2,000 spent monthly within the first 12 months
  • • 3% cash back thereafter on the first $2,000 spen
Rates & Fees
     Intro Purchase APR: 0% for the first 12 months
     Regular Purchase APR: 14.49% to 21.49%, based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.49% to 21.49%, based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.49%
     Cash Advance Transaction Fee: $5 or 3% of the amount of each advance, whichever is greater
     Penalty APR: 27.49%
     Annual Fee: None
     Foreign Transaction Fee: 3% on the amount of the transaction (after conversion to USD)
     Late Payment Penalty Fee: Up to $49
     Return Payment Penalty Fee: $32
     Over Limit Penalty Fee: $35
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 16, 2019

BB&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening date
  • Balance Transfer APR  14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible purchases
  • • 0% introductory annual percentage rate for 9 months on purchases
  • • Redeem your rewards into your BB&T business deposit account for an additional 10% bonus; Redeem your rewards for cash back, statement credits, gift cards, travel and more
  • • Get no-cost employee cards
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening date
     Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 4% of each advance ($10 minimum)
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: 4% of each advance ($10 minimum)
     Penalty APR: Up to 27.40%
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: None
     Credit Needed: Excellent , Good

August 28, 2018

Business
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 9 billing cycles following the opening of your account
  • Balance Transfer APR  14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.49% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn 1% cash back on purchases, 2% on purchases at restaurants, and 3% on the category of your choice
  • • Get a $300 statement credit bonus after making at least $3,000 in net purchases in the first 90 days of your account opening
  • • Enroll in the Business Advantage Relationship Rewards program and get an additional 25% - 75% rewards bonus on every purchase you make
  • • Cash rewards don't expire
Rates & Fees
     Intro Purchase APR: 0% for the first 9 billing cycles following the opening of your account
     Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
     Cash Advance APR: 26.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater (exception below). Overdraft Protection Cash Advance (if enrolled): Either $10 or 3% 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 $49
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

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 09, 2018

Blue
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
  • • Get a $150 statement credit after spending $1,000 in purchases in the first three months of account opening
  • • Earn 3% cash back at U.S. supermarkets
  • • Earn 2% cash back at U.S. gas stations and select U.S. department stores
  • • Earn 1% cash back on other eligible purchases
  • • Stay protected with travel benefits
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: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

September 05, 2018

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


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

August 13, 2018

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


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

July 31, 2019

Blue
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Regular Purchase APR  15.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.24%, 18.24%, or 21.24% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year
  • • Cash back is automatically applied to statement balance
  • • Make purchases beyond the credit limit
  • • 0% Intro APR on purchases and balance transfers for 12 months
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.24% to 21.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
     Balance Transfer APR: 15.24%, 18.24%, or 21.24% 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: N/A
     Cash Advance Transaction Fee: N/A
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: N/A
     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

November 12, 2018

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


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

August 31, 2018

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


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

June 26, 2019

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


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

June 26, 2019

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


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

June 26, 2019

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


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

August 30, 2018

Spark®
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.24%, 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 9 months that your account is open
  • Balance Transfer APR  15.24%, 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Unlimited 1.5% cash back from Spark Cash Select. No minimum to redeem
  • • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • • 0% intro APR for 9 months
  • • $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone
Rates & Fees
     Intro Purchase APR: 0% for the first 9 months that your account is open
     Regular Purchase APR: 15.24%, 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24%, 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 25.24% 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: 31.65% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , 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

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% 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 3x rewards points on all purchases made in the first 12 months from account opening, up to the first $10,000 in purchases
  • • Earn 1 Rewards Program Point for every dollar spent on all purchases
  • • Redeem accumulated rewards for merchandise or gift cards from thousands of retailers
  • • No annual or foreign transaction fees, 0% APR for 12 months on purchases and balance transfers
Rates & Fees
     Intro Purchase APR: 0% 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 of 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

April 22, 2019

TD
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn $200 cash back when you spend $500 within 90 days after account opening
  • • Earn 3% cash back on dining – from casual to fine dining and everything in between
  • • Earn 2% cash back at grocery stores
  • • Earn 1% cash back on all other eligible purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
     Cash Advance APR: 27.49% 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 $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

April 22, 2019

TD
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn $300 cash back when you spend $3,000 in eligible purchases within the first 90 days
  • • Earn 3% cash back on phone, internet and cable services
  • • Earn 2% cash back on dining and at gas stations
  • • Earn 1% cash back on other eligible purchases
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24%, 20.24%, or 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.49% 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 $37
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 28, 2018

Ink
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 21.49% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 12 months from the date of account opening
  • Balance Transfer APR  15.49% to 21.49% 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 unlimited 1.5% cash back on all purchases made for your business
  • • Pay no interest on purchases for the first 12 months from the date you open your account and issue additional cards for your employees at no cost
  • • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
  • • Redeem cash back rewards for gift cards, travel purchases, and more through Chase Ultimate Rewards®
Rates & Fees
     Intro Purchase APR: 0% for the first 12 months from the date of account opening
     Regular Purchase APR: 15.49% to 21.49% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.49% to 21.49% variable based on creditworthiness and 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 $15 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 transaction in U.S. dollars
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 28, 2018

Ink
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 21.49% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 12 months from date of account opening
  • Balance Transfer APR  15.49% to 21.49% 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 5% cash back on the first $25,000 spent in combined purchases at office supply stores, Internet, and cable and phone services every account anniversary year
  • • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and dining; Earn 1% unlimited cash back on all other purchases
  • • 0% Intro APR on purchases for first twelve months from opening account
  • • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
Rates & Fees
     Intro Purchase APR: 0% for the first 12 months from date of account opening
     Regular Purchase APR: 15.49% to 21.49% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.49% to 21.49% variable based on creditworthiness and 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 $15 or 5% of the amount of each transfer, whichever is greater
     Penalty APR: Up to 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: $39
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

April 17, 2019

BB&T
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.49% to 24.49% 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
  • • Get 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other qualifying purchases
  • • Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
  • • 0% introductory Annual Percentage Rate for 12 months on purchases and balance transfers
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months from account opening date
     Balance Transfer APR: 15.49% to 24.49% 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 U.S. dollar amount of each transaction made in a foreign currency and any transaction made in U.S. dollars that is processed outside of the United States
     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

January 11, 2019

Citi
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months from account opening date
  • Balance Transfer APR  15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 15,000 Bonus Points after you spend $1,000 in purchases within the first 3 months from account opening
  • • Points on purchases are rounded up to the nearest 10 points with no cap
  • • Earn 2X points per $1 at supermarkets and gas stations for the first $6,000 per year
  • • Earn 1X point per $1 on all other purchases
  • • Get 10% back in Points for the first 100,000 ThankYou® Points you redeem per year
Rates & Fees
     Intro Purchase APR: 0% for 15 months from account opening date
     Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 4 months from account opening date
     Balance Transfer APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

September 07, 2018

Bank
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • 3% cash back on gas on the first $6,000 in annual fuel spending, 2% cash back on supermarket net purchases, and 1% cash back on other everyday net purchases
  • • $25 cash back reward bonus after first purchase; there is no limit on the total cash back you can earn
  • • Enjoy chip-enhanced acceptance and security, plus a variety of important features including zero fraud liability, rental car insurance, extended warranty coverage, and merchandise return protection
  • • Special introductory 0% APR for the first 6 billing cycles on purchases and balance transfers
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months on transfers made within 186 days from account opening date
     Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 2% of 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: Good

August 05, 2019

Key
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  15.99% to 24.99% 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 1.5% cash back on every purchase, and 2% cash back when you bank and save with Key
  • • Earn a $100 cash back bonus when you spend $500 or more in the first 60 days of opening your account
  • • No annual fee
  • • Enjoy a balance transfer APR of 0% for the first twelve months as an introductory offer
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
     Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, 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 transaction, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars. Transactions originating in Canada are excluded from this fee
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: N/A
     Over Limit Penalty Fee: $10 Overdraft Protection Fee
     Minimum Deposit Required: None
     Credit Needed: Good , Fair

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 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

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