Who can qualify for a balance transfer?

Some of the best balance transfer cards require good to excellent credit (FICO score of 670 – 850) to qualify. Even more, last year, credit lenders reported tightening their approval standards, meaning it may be more difficult to qualify for a certain card now. If your credit isn't up to par yet, you may be able to find secured credit cards that allow balance transfers, but they probably won't have 0 percent intro APR offers.

What credit card has the longest balance transfer offer?

Currently, the Wells Fargo Reflect, Citi Diamond Preferred and Citi Simplicity cards offer some of the longest intro APR periods. Although any temporary break from credit card APR is beneficial, a longer intro offer will give you the best opportunity to pay off your transferred balance.

Do balance transfers hurt your credit score?

A few factors could cause you to experience a temporary dip in your credit score after you complete a balance transfer. Applying for a new credit card usually involves a hard inquiry, and opening a new card shortens your average account age. Also, if you apply for many new accounts in a short time or close an account as soon as you transfer a balance, these actions could negatively affect your score. However, your credit score won't be as affected if you pay down the balance on time every month and keep your debt-to-credit ratio low overall. Read more: How does a balance transfer affect your credit score?

How do you do a balance transfer?

To complete a balance transfer, you’d need to complete the following: Apply for a balance transfer credit card and get approved Initiate a transfer to your new balance transfer card through your online account with your new issuer Wait for verification that the transfer is complete Set your payment plan in motion Read more: Should I cancel my balance transfer?

Can you transfer a balance multiple times?

Yes, but transferring balances multiple times can quickly deplete your available credit and increase your overall debt-to-credit ratio since you're only moving the debt and not paying it off. That makes it harder for you to get approved for future credit and can cause your interest rates to rise as well. If you are in a position where you need to transfer your credit card balance more than once, then you should consider alternative options before doing so.

Is there a limit to how much you can transfer?

Your transfer limit is usually equal to or less than your credit limit. For example, if an issuer approves you for a credit limit of $5,000, you can transfer up to the same amount with most issuers. However, your credit limit and the balance transfer policies of your specific issuer will determine the amount you can transfer. Read more: What is the limit for a balance transfer card?

15 Best Balance Transfer Cards With 0% APR Of July 2024

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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In determining which cards were worthy of “Best Overall” distinction on marketplace pages, our editorial team reviewed the cards currently available on each page and narrowed the list of candidates to only those cards that either:
- A) had received a minimum 4.0-star overall rating in their primary scoring category based on our proprietary card rating methodology, or
- B) were currently the highest-rated card on the page.
We then surveyed an internal panel of expert credit card writers and editors as to which card from the candidate list was most deserving of a “Best Overall” distinction. The winner was selected based on popular vote.

Seychelle Thomas<\/a>, Writer, Credit Cards What we love: <\/strong>If you want to avoid some common credit card fees and minimize interest charges, this card could be a great fit. It not only boasts one of the longest introductory APR offers available on balance transfers but it also charges no late fees or annual fee. Balance transfer timeline:<\/strong> You must transfer your balance within four months of account opening to qualify for the intro balance transfer fee (3 percent balance transfer fee applies, $5 min; 5 percent or $5 min thereafter). Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//citi-simplicity-benefits-guide///">Citi Simplicity card benefits guide<\/a> Alternatives:<\/strong> While great for balance transfers, the Citi Simplicity\u2019s value is short-lived. The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//citi-double-cash-card///">Citi Double Cash Card<\/a> is a good option if you want a credit card with long-term value and a long introductory APR period on balance transfers. <\/div>","pros_and_cons_header":"Editor's take","pros":["People still learning to manage their credit may find this card more forgiving than others since it doesn\u2019t charge a penalty APR or late fees.","The intro APR offer on balance transfers is among the longest offers available."],"cons":["The card has no rewards program or welcome bonus, so its long-term value isn\u2019t great.","You only have four months to transfer a balance, otherwise you won\u2019t qualify for the intro offer."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null}]})" >

Best overall

Add to compare

Citi Simplicity® Card

Bankrate score

4.5

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.5

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Citi's secure site

See Rates & Fees

Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

19.24% - 29.99% (Variable)

Rewards rate

Rewards rate is not available for this credit card.

N/A

Annual fee

Why it’s the best overall: “This card’s long intro APR period helped me pay off a chunk of credit card debt last year without feeling a huge crunch in my budget. It’s one of the longest intro APR offers out there. Even after the intro APR period ended, the Citi Flex Pay option came in handy when I needed to pay off some emergency car repairs over time. This card doesn’t earn rewards, but it did its job: It helped me pay off debt. That makes it a winner for me.” — Seychelle Thomas, Writer, Credit Cards

What we love: If you want to avoid some common credit card fees and minimize interest charges, this card could be a great fit. It not only boasts one of the longest introductory APR offers available on balance transfers but it also charges no late fees or annual fee.

Balance transfer timeline: You must transfer your balance within four months of account opening to qualify for the intro balance transfer fee (3 percent balance transfer fee applies, $5 min; 5 percent or $5 min thereafter).

Learn more: Citi Simplicity card benefits guide

Alternatives: While great for balance transfers, the Citi Simplicity’s value is short-lived. The Citi Double Cash Card is a good option if you want a credit card with long-term value and a long introductory APR period on balance transfers.
Pros

People still learning to manage their credit may find this card more forgiving than others since it doesn’t charge a penalty APR or late fees.

The intro APR offer on balance transfers is among the longest offers available.

Cons

The card has no rewards program or welcome bonus, so its long-term value isn’t great.

You only have four months to transfer a balance, otherwise you won’t qualify for the intro offer.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock

Is the Wells Fargo Reflect card worth it?<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae<\/a> card is ideal for anyone who wants to forego a longer introductory APR period on balance transfers in exchange for cash back rewards.<\/div>","pros_and_cons_header":"Editor's take","pros":["The same lengthy introductory APR applies to purchases and qualified balance transfers.","You can get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible) if you use the card to pay your monthly phone bill."],"cons":["The card comes with a 3 percent foreign transaction fee, which is standard, but adds to your balance if you use the card abroad.","The card has limited long-term value due to its lack of a rewards program."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"It offers one of the longest intro APR periods you can get on both balance transfers and purchases, giving you a ton of flexibility."},"program":{"id":50,"name":"Wells Fargo rewards","active_rate":{"id":51,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[]})" >

Best for long balance transfer period

Add to compare

Wells Fargo Reflect® Card

Bankrate score

4.3

Bankrate review

Bankrate score

4.3

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Wells Fargo's secure site

See Rates & Fees

Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards rate

Rewards rate is not available for this credit card.

N/A

Annual fee

Why you’ll like this card: It offers one of the longest intro APR periods you can get on both balance transfers and purchases, giving you a ton of flexibility.

What we love: We consider this card a prime pick for people who want a balance transfer credit card. It has a potentially low ongoing interest rate and its intro APR offer is top-notch and among the longest promotional APR offers currently available.

Balance transfer timeline: You must transfer your balance within 120 days to qualify for the intro APR rate (5 percent balance transfer fee applies, minimum $5).

Learn more: Is the Wells Fargo Reflect card worth it?

Alternatives: The Chase Freedom Unlimited® card is ideal for anyone who wants to forego a longer introductory APR period on balance transfers in exchange for cash back rewards.
Pros

The same lengthy introductory APR applies to purchases and qualified balance transfers.

You can get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible) if you use the card to pay your monthly phone bill.

Cons

The card comes with a 3 percent foreign transaction fee, which is standard, but adds to your balance if you use the card abroad.

The card has limited long-term value due to its lack of a rewards program.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Citi Diamond Preferred Card benefits guide<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-savorone-rewards-card///">Capital One SavorOne Cash Rewards Credit Card<\/a> is ideal for anybody who wants additional benefits, rewards programs or premium perks, since the Diamond Preferred Card has little long-term value outside of its potentially low ongoing APR.<\/div>","pros_and_cons_header":"Editor's take","pros":["While the intro APR offer on balance transfers is longer, you\u2019ll still be able to save on interest for both purchases and balance transfers.","Since the card has no annual fee, it should be easier to focus on paying down transferred balances."],"cons":["The 5 percent ($5 min) balance transfer fee is high compared to similar options.","Its lack of rewards limits its long-term value after the intro APR offer ends."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null}]})" >

Best for excellent credit

Add to compare

Citi® Diamond Preferred® Card

Bankrate score

4.1

Bankrate review

Bankrate score

4.1

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Citi's secure site

See Rates & Fees

Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

Rewards rate

Rewards rate is not available for this credit card.

N/A

Annual fee

What we love: If you want a no-fuss balance transfer card, the Citi Diamond Preferred Card is a great option. It may not boast long-term value due to its lack of rewards, but the intro APR period is still fairly long and will give you the time and space you need to pay down debt.

Balance transfer timeline: You must transfer your balance within four months to qualify for the intro APR rate ($5 or 5 percent balance transfer fee applies, whichever is greater).

Learn more: Citi Diamond Preferred Card benefits guide

Alternatives: The Capital One SavorOne Cash Rewards Credit Card is ideal for anybody who wants additional benefits, rewards programs or premium perks, since the Diamond Preferred Card has little long-term value outside of its potentially low ongoing APR.
Pros

While the intro APR offer on balance transfers is longer, you’ll still be able to save on interest for both purchases and balance transfers.

Since the card has no annual fee, it should be easier to focus on paying down transferred balances.

Cons

The 5 percent ($5 min) balance transfer fee is high compared to similar options.

Its lack of rewards limits its long-term value after the intro APR offer ends.
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.

Is the Amex Blue Cash Everyday worth it?<\/a> Alternatives:<\/strong> If you want even more flexibility when it comes to earning in your biggest spending categories, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America Customized Cash Rewards credit card<\/a> is an alternative to consider.<\/div>","pros_and_cons_header":"Editor's take","pros":["You\u2019ll get competitive rewards rates in some of the most popular categories \u2014 all for no annual fee.","This card adds boosted rewards for online shopping with U.S. retailers, an uncommon cash back category."],"cons":["Stores like Target, Walmart and wholesale clubs don\u2019t count as part of the U.S. supermarket bonus category.","The spending requirement to earn the welcome offer is higher than normal."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"It gives you a chance to pay off debt while making the most of your everyday purchases."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for everyday spending

Add to compare

Blue Cash Everyday® Card from American Express

Bankrate score

4.6

Bankrate review

Bankrate score

4.6

Bankrate review

Recommended credit score: 670 - 850

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Balance transfer intro APR

0% on balance transfers for 15 months

APR

19.24% - 29.99% Variable

Rewards rate

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

1% - 3%

Annual fee

Why you’ll like this card: It gives you a chance to pay off debt while making the most of your everyday purchases.

What we love: The Blue Cash Everyday Card is a solid option for use after a balance transfer because of its competitive rewards rates in everyday spending categories. Once you’ve paid down your debt, you can use this card to get cash back at U.S. supermarkets, U.S. gas stations and U.S. online retailers.

Learn more: Is the Amex Blue Cash Everyday worth it?

Alternatives: If you want even more flexibility when it comes to earning in your biggest spending categories, the Bank of America Customized Cash Rewards credit card is an alternative to consider.
Pros

You’ll get competitive rewards rates in some of the most popular categories — all for no annual fee.

This card adds boosted rewards for online shopping with U.S. retailers, an uncommon cash back category.

Cons

Stores like Target, Walmart and wholesale clubs don’t count as part of the U.S. supermarket bonus category.

The spending requirement to earn the welcome offer is higher than normal.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.

Bank of America\u00ae Customized Cash Rewards credit card<\/a>\u2019s balance transfer offer is not as impressive as the Discover It\u00ae Chrome card\u2019s, but the card boasts a wider mix of bonus categories, so it may offer better long-term value. You\u2019ll enjoy bonus cash back in one eligible category of your choice (with options including gas, dining and more) as well as year-round bonus cash back at grocery stores and wholesale clubs.<\/div>","pros_and_cons_header":"Editor's take","pros":["It carries limited fees and forgiving terms, including a low balance transfer fee and no late fee the first time you pay late (up to $41 afterward). This makes it a good option if you\u2019re doing your first balance transfer.","Its intro APR period for balance transfers is longer than the period you\u2019ll find on most competing cash back cards with an intro APR offer."],"cons":["Its cash back rate, while decent, isn\u2019t the most impressive you can find, even on other cards that offer intro APRs.","Unlike many competing cards, this card carries a much shorter intro APR offer on purchases than on balance transfers, so it\u2019s less useful for financing new purchases."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"It offers great short- and long-term value thanks to its combo of a welcome offer, ongoing rewards and an intro APR."},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for welcome offer

Add to compare

Discover it® Chrome

Bankrate score

4.0

Bankrate review

Bankrate score

4.0

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Discover's secure site

See Rates & Fees

Balance transfer intro APR

0% for 18 months

Regular APR

18.24% - 28.24% Variable APR

Rewards rate

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Earn unlimited 1% cash back on all other purchases.

1% - 2%

Annual fee

Why you’ll like this card: It offers great short- and long-term value thanks to its combo of a welcome offer, ongoing rewards and an intro APR.

What we love: It not only boasts a solid intro APR offer, but also a decent cash back rate in two key everyday spending categories, so it should carry good long-term value even after you finish paying off debt. Discover also has lower fees and more forgiving terms than many competing issuers.

Alternatives: The Bank of America® Customized Cash Rewards credit card’s balance transfer offer is not as impressive as the Discover It® Chrome card’s, but the card boasts a wider mix of bonus categories, so it may offer better long-term value. You’ll enjoy bonus cash back in one eligible category of your choice (with options including gas, dining and more) as well as year-round bonus cash back at grocery stores and wholesale clubs.
Pros

It carries limited fees and forgiving terms, including a low balance transfer fee and no late fee the first time you pay late (up to $41 afterward). This makes it a good option if you’re doing your first balance transfer.

Its intro APR period for balance transfers is longer than the period you’ll find on most competing cash back cards with an intro APR offer.

Cons

Its cash back rate, while decent, isn’t the most impressive you can find, even on other cards that offer intro APRs.

Unlike many competing cards, this card carries a much shorter intro APR offer on purchases than on balance transfers, so it’s less useful for financing new purchases.
- Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 28.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.

Is the Citi Double Cash worth it?<\/a> Alternatives:<\/strong> The Double Cash currently doesn\u2019t offer an introductory APR offer on new purchases, so shoppers looking for a temporary break from interest on purchases along with balance transfers may find the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//u-s-bank-visa-platinum-card///">U.S. Bank Visa\u00ae Platinum Card<\/a> to be a better fit.<\/div>","pros_and_cons_header":"Editor's take","pros":["The potential cash back rate on this card is one of the highest for a flat-rate cash back card.","The structure of this card\u2019s rewards program encourages responsible credit use, which could help your credit score."],"cons":["The intro APR on this card only applies to balance transfers, not new purchases.","The required spend to earn the welcome offer is steep compared to other available options."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"It boasts one of the longest intro APR offers you can get on a cash back card and its rewards give it better long-term value than most balance transfer cards."},"program":{"id":47,"name":"Citi ThankYou Points (all other cards)","active_rate":{"id":48,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for long-term value

Add to compare

Citi Double Cash® Card

Bankrate score

4.2

Bankrate review

Bankrate score

4.2

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Citi's secure site

See Rates & Fees

Balance transfer intro APR

0% intro for 18 months on Balance Transfers

Regular APR

19.24% - 29.24% (Variable)

Rewards rate

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

1% - 5%

Annual fee

Why you’ll like this card: It boasts one of the longest intro APR offers you can get on a cash back card and its rewards give it better long-term value than most balance transfer cards.

What we love: In addition to a good intro APR offer on balance transfers, this card also has a solid rewards program that incentivizes both spending and paying on time.

Balance transfer timeline: You must transfer your balance within four months of account opening to qualify for the intro balance transfer fee (3 percent intro balance transfer fee applies, minimum $5; 5 percent balance transfer fee applies after four months, minimum $5).

Learn more: Is the Citi Double Cash worth it?

Alternatives: The Double Cash currently doesn’t offer an introductory APR offer on new purchases, so shoppers looking for a temporary break from interest on purchases along with balance transfers may find the U.S. Bank Visa® Platinum Card to be a better fit.
Pros

The potential cash back rate on this card is one of the highest for a flat-rate cash back card.

The structure of this card’s rewards program encourages responsible credit use, which could help your credit score.

Cons

The intro APR on this card only applies to balance transfers, not new purchases.

The required spend to earn the welcome offer is steep compared to other available options.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Wells Fargo Active Cash benefits guide<\/a> Alternatives:<\/strong> For people who want one of the longest offers available, the Wells Fargo Reflect Card would provide a <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//wells-fargo-reflect-vs-wells-fargo-active-cash///">longer intro APR than the Active Cash<\/a> on purchases and qualifying balance transfers.<\/div>","pros_and_cons_header":"Editor's take","pros":["You can earn 2 percent unlimited cash rewards on purchases with this card, a high rate compared to most balance transfer cards.","There\u2019s no annual fee that will offset your earned cash rewards."],"cons":["Much more competitive intro APR offers are available with other cards.","If you don\u2019t transfer your balance within 120 days you could miss out on the benefits of the intro APR offer."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"It offers flexibility with both its intro APR and its streamlined rewards program, which can help you earn on most purchases."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best for flat-rate cash back

Add to compare

Wells Fargo Active Cash® Card

Bankrate score

4.3

Bankrate review

Bankrate score

4.3

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Wells Fargo's secure site

See Rates & Fees

Balance transfer intro APR

0% intro APR for 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards rate

Earn unlimited 2% cash rewards on purchases.

Annual fee

Why you’ll like this card: It offers flexibility with both its intro APR and its streamlined rewards program, which can help you earn on most purchases.

What we love: The Wells Fargo Active Cash Card provides the opportunity to earn one of the highest cash rewards rates available on purchases. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards-earning machine.

Balance transfer timeline: You must transfer your balance within 120 days to qualify for the balance transfer fee(3 percent intro balance transfer fee applies, then balance transfer fee up to 5 percent, minimum $5).

Learn more: Wells Fargo Active Cash benefits guide

Alternatives: For people who want one of the longest offers available, the Wells Fargo Reflect Card would provide a longer intro APR than the Active Cash on purchases and qualifying balance transfers.
Pros

You can earn 2 percent unlimited cash rewards on purchases with this card, a high rate compared to most balance transfer cards.

There’s no annual fee that will offset your earned cash rewards.

Cons

Much more competitive intro APR offers are available with other cards.

If you don’t transfer your balance within 120 days you could miss out on the benefits of the intro APR offer.
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Bank of America Travel Rewards credit card benefits guide<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-ventureone-rewards-credit-card///">Capital One VentureOne Rewards Credit Card<\/a> is another low-hassle travel card with a noteworthy intro APR offer. It also skips the annual fee while allowing you to use everyday expenses to earn toward travel (<\/em><a href=https://www.bankrate.com/"https:////d25970n8puso9u.cloudfront.net//disclosure.27153.en-US.pdf/">See Rates & Fees<\/em><\/a>)<\/em>. <\/div><div>  <\/div>","pros_and_cons_header":"Editor's take","pros":["The intro APR offer also includes purchases, making it an effective tool for financing a larger expense.","You can boost your rewards rate by 25 percent to 75 percent as a Bank of America Preferred Rewards member."],"cons":["Bank of America doesn\u2019t have any travel partners, so you can\u2019t transfer points for more value.","Its cardholder perks and benefits are sparse compared to other travel cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s one of the only travel cards that helps you minimize interest and earn points on bookings (at a great rate for Preferred Rewards members)."},"program":{"id":40,"name":"Bank of America Travel Rewards","active_rate":{"id":41,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"FICO Score","image":"3c51fb9d53203e43288b4d33bc8ffb99.png"},{"name":"Flat Rate Rewards","image":null},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Personal","image":null},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Visa","image":"aef17b2f1dfc88c2fe6534963ae586cd.png"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for travel

Add to compare

Bank of America® Travel Rewards credit card

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Bank of America's secure site

Balance transfer intro APR

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Rewards rate

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

1.5X

Annual fee

$0

Why you’ll like this card: It’s one of the only travel cards that helps you minimize interest and earn points on bookings (at a great rate for Preferred Rewards members).

What we love: It’s not often that a no-annual-fee travel card also comes with a competitive intro APR offer on balance transfers, but this card has it all. Plus, you can redeem your travel rewards for statement credits on various travel-related purchases in the past 12 months.

Balance transfer timeline: You must transfer your balance within 60 days to qualify for the intro balance transfer fee (3 percent intro balance transfer fee, then 4 percent).

Learn more: Bank of America Travel Rewards credit card benefits guide

Alternatives: The Capital One VentureOne Rewards Credit Card is another low-hassle travel card with a noteworthy intro APR offer. It also skips the annual fee while allowing you to use everyday expenses to earn toward travel (See Rates & Fees).

Pros

The intro APR offer also includes purchases, making it an effective tool for financing a larger expense.

You can boost your rewards rate by 25 percent to 75 percent as a Bank of America Preferred Rewards member.

Cons

Bank of America doesn’t have any travel partners, so you can’t transfer points for more value.

Its cardholder perks and benefits are sparse compared to other travel cards.

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.

Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.

If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.

Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Is the Chase Freedom Unlimited worth it?<\/a> Alternatives:<\/strong> The Freedom Unlimited\u2019s intro APR periods are just a hair short of the offers on other cards and its ongoing APR can be relatively high. If you\u2019re serious about your balance transfer, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//citi-diamond-preferred-card///">Citi Diamond Preferred Card<\/a> has a longer balance transfer offer and a lower ongoing APR. <\/div>","pros_and_cons_header":"Editor's take","pros":["The intro APR offer also includes new purchases, which can be useful while paying down debts.","It offers bonus cash back rates and 1.5 percent back on general purchases, giving it long-term value after you\u2019ve paid off your balance transfer."],"cons":["Its intro APR for balance transfers is shorter than many other balance transfer credit cards \u2014 people with substantial debt may need longer offers.","Charges a potential indefinite penalty APR if you make a late payment, which can quickly spiral you deeper into debt."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"If you eat out often, its rewards can be a great tool for everyday rewards alongside its intro APR offer."},"program":null,"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Purchase Protection","image":"9524b9f2b1d3c84068061b9c0f720bcd.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Accident Insurance","image":"9148b97046b15a99a3744622d7b3b285.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for dining

Add to compare

Chase Freedom Unlimited®

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.8 stars out of 5

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Chase's secure site

Balance transfer intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

20.49% - 29.24% Variable

Rewards rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

1.5% - 5%

Annual fee

$0

Why you’ll like this card: If you eat out often, its rewards can be a great tool for everyday rewards alongside its intro APR offer.

What we love: Its cash back program offers tiered cash back rates in popular spending categories and a solid flat rate for all purchases, making it a flexible card with plenty of rewards value after the balance transfer intro APR period ends.

Learn more: Is the Chase Freedom Unlimited worth it?

Alternatives: The Freedom Unlimited’s intro APR periods are just a hair short of the offers on other cards and its ongoing APR can be relatively high. If you’re serious about your balance transfer, the Citi Diamond Preferred Card has a longer balance transfer offer and a lower ongoing APR.

Pros

The intro APR offer also includes new purchases, which can be useful while paying down debts.

It offers bonus cash back rates and 1.5 percent back on general purchases, giving it long-term value after you’ve paid off your balance transfer.

Cons

Its intro APR for balance transfers is shorter than many other balance transfer credit cards — people with substantial debt may need longer offers.

Charges a potential indefinite penalty APR if you make a late payment, which can quickly spiral you deeper into debt.

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card

Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Member FDIC

Is the Amex Blue Cash Preferred worth it?<\/a> Alternatives:<\/strong> If you\u2019re a fan of what the Blue Cash Preferred has to offer, but want to skip the annual fee, the Amex Blue Cash Everyday is a great no-annual-fee alternative. <\/div>","pros_and_cons_header":"Editor's take","pros":["The ongoing annual fee after the first year is easy to offset with cash back and annual credits.","It offers competitive cash back rates on gas and transit purchases, which don\u2019t have a spending cap."],"cons":["Not ideal for spending abroad due to its 2.7 percent foreign transaction fee.","The annual spending cap on U.S. supermarkets could limit its earning potential."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"You can enjoy a best-in-class rewards rate on groceries as you pay off debt with its intro APR."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"American Express","image":null},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for groceries

Add to compare

Blue Cash Preferred® Card from American Express

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on American Express's secure site

See Rates & Fees , Terms Apply

Balance transfer intro APR

0% on balance transfers for 12 months

APR

19.24% - 29.99% Variable

Rewards rate

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

Why you’ll like this card: You can enjoy a best-in-class rewards rate on groceries as you pay off debt with its intro APR.

What we love: The rewards rates in top spending categories like U.S. supermarket purchases and select U.S. streaming services are hard to beat with this card. Pair the cash back rates with a modest intro APR offer on balance transfers and you have a card that provides value long after you’ve paid off your transferred balance.

Learn more: Is the Amex Blue Cash Preferred worth it?

Alternatives: If you’re a fan of what the Blue Cash Preferred has to offer, but want to skip the annual fee, the Amex Blue Cash Everyday is a great no-annual-fee alternative.

Pros

The ongoing annual fee after the first year is easy to offset with cash back and annual credits.

It offers competitive cash back rates on gas and transit purchases, which don’t have a spending cap.

Cons

Not ideal for spending abroad due to its 2.7 percent foreign transaction fee.

The annual spending cap on U.S. supermarkets could limit its earning potential.

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$0 intro annual fee for the first year, then $95.

Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% Cash Back on select U.S. streaming subscriptions.

3% Cash Back at U.S. gas stations.

3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

1% Cash Back on other purchases.

Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.

$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Terms Apply.

Is the Citi Custom Cash worth it?<\/a> Alternatives:<\/strong> People concerned about paying a high go-to APR may be interested in the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bankamericard-credit-card///">BankAmericard/u00ae credit card<\/a>. <\/div>","pros_and_cons_header":"Editor's take","pros":["The same intro APR offer applies to both purchases and balance transfers.","This card\u2019s 10 eligible bonus categories include plenty of everyday purchases."],"cons":["It has a spending cap on your high-earning category, which can be easy to exceed.","The intro APR offers on this card are shorter than what you\u2019d find with other balance transfer cards available."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"You won\u2019t have to worry about maximizing bonus categories while saving on interest."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for flexibility

Add to compare

Citi Custom Cash® Card

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.4 stars out of 5

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Citi's secure site

See Rates & Fees

Balance transfer intro APR

0% for 15 months on balance transfers

Regular APR

19.24% - 29.24% (Variable)

Rewards rate

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

1% - 5%

Annual fee

$0

Why you’ll like this card: You won’t have to worry about maximizing bonus categories while saving on interest.

What we love: The Citi Custom Cash Card combines a good balance transfer offer with generous rewards. The bonus cash back rate automatically applies to the eligible category in which you spend the most each billing cycle, so you don't have to do extra legwork to maximize this card after your balance transfer.

Learn more: Is the Citi Custom Cash worth it?

Alternatives: People concerned about paying a high go-to APR may be interested in the BankAmericard® credit card.

Pros

The same intro APR offer applies to both purchases and balance transfers.

This card’s 10 eligible bonus categories include plenty of everyday purchases.

Cons

It has a spending cap on your high-earning category, which can be easy to exceed.

The intro APR offers on this card are shorter than what you’d find with other balance transfer cards available.

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

No Annual Fee

Citi will only issue one Citi Custom Cash® Card account per person.

Is the Bank of America Customized Cash Rewards credit card worth it?<\/a> Alternatives:<\/strong> People who just want to take advantage of an introductory APR offer on balance transfers and have less interest in pursuing rewards may want to consider the Citi Diamond Preferred card instead.<\/div>","pros_and_cons_header":"Editor's take","pros":["Bank of America Preferred Rewards members with qualifying account balances can boost this card\u2019s cash back rate.","You can change your highest-earning spending category once a month."],"cons":["There\u2019s a spending cap on your highest-earning cash back categories.","This card isn\u2019t ideal for taking abroad due to its 3 percent foreign transaction fee."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"With its easy-to-earn bonus, lengthy intro APR offer and customizable rewards, it offers flexibility and value in both the short and long term."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"FICO Score","image":"3c51fb9d53203e43288b4d33bc8ffb99.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Tiered Rewards","image":null},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for customizable rewards

Add to compare

Bank of America® Customized Cash Rewards credit card

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.3 stars out of 5

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Bank of America's secure site

Balance transfer intro APR

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Rewards rate

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.

1% - 3%

Annual fee

$0

Why you’ll like this card: With its easy-to-earn bonus, lengthy intro APR offer and customizable rewards, it offers flexibility and value in both the short and long term.

What we love: The Bank of America Customized Cash Rewards credit card might not have the longest introductory offers, but its long-term value is better than competing cards because of its cash back rewards program.

Balance transfer timeline: You must transfer your balance within 60 days of account opening to qualify for the intro balance transfer fee(3 percent intro balance transfer fee applies to each transfer, then 4%).

Learn more: Is the Bank of America Customized Cash Rewards credit card worth it?

Alternatives: People who just want to take advantage of an introductory APR offer on balance transfers and have less interest in pursuing rewards may want to consider the Citi Diamond Preferred card instead.

Pros

Bank of America Preferred Rewards members with qualifying account balances can boost this card’s cash back rate.

You can change your highest-earning spending category once a month.

Cons

There’s a spending cap on your highest-earning cash back categories.

This card isn’t ideal for taking abroad due to its 3 percent foreign transaction fee.

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.

If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.

No annual fee and cash rewards don’t expire as long as your account remains open.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.

Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi Simplicity\u00ae Card<\/a> has a longer intro APR offer and is just as forgiving with fees \u2014 it charges no late fee, no annual fee and no returned payment fee.<\/div><div>  <\/div>","pros_and_cons_header":"Editor's take","pros":["The late fee refund terms can be helpful in a tight spot while paying off debt.","Its balance transfer intro offer period is longer than some other cards\u2019 offers."],"cons":["This card is only available to residents in 15 states and Washington, D.C.","It doesn\u2019t earn rewards, which reduces its long-term value."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Only Available in 15 East Coast States and D.C.","limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"Your first late fee is refunded every 12 billing cycles, so it\u2019s a safer choice if you\u2019re worried about keeping up with payments."},"program":null,"tags":[]})" >

Only Available in 15 East Coast States and D.C.

Best for late payment fee forgiveness

Add to compare

TD FlexPay Credit Card

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 4.1 stars out of 5

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on TD Bank's secure site

See Rates & Fees

Balance transfer intro APR

0% introductory APR balance transfers for first 18 billing cycles after account opening.

Regular APR

19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.

Rewards rate

Rewards rate is not available for this credit card.

N/A

Annual fee

None

Why you’ll like this card: Your first late fee is refunded every 12 billing cycles, so it’s a safer choice if you’re worried about keeping up with payments.

What we love: It offers a competitive balance transfer intro offer and ongoing APR. People in the states where this card is available could benefit from the forgiving late fee terms: TD Bank will refund your first late payment fee every 12 billing cycles. Remember that late payments are still reported to the credit bureaus and can affect your credit score.

Alternatives: The Citi Simplicity® Card has a longer intro APR offer and is just as forgiving with fees — it charges no late fee, no annual fee and no returned payment fee.

Pros

The late fee refund terms can be helpful in a tight spot while paying off debt.

Its balance transfer intro offer period is longer than some other cards’ offers.

Cons

This card is only available to residents in 15 states and Washington, D.C.

It doesn’t earn rewards, which reduces its long-term value.

Balance transfers: Get a 0% introductory APR on balance transfers for the first 18 billing cycles after account opening. After that, 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.

Get built-in flexibility with the TD FlexPay Credit Card

TD's best balance transfer offer

Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card

No annual fee

Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

Citi Double Cash<\/a>.<\/div>","pros_and_cons_header":"Editor's take","pros":["The ongoing interest rate on this card may be one of the lowest rates you\u2019ll see on many balance transfer credit cards.","This card is light on fees as it doesn\u2019t charge an annual fee or foreign transaction fees."],"cons":["Eligibility for the card is restricted to military personnel, veterans and their families.","The card\u2019s 5 percent balance transfer fee is a bit high and may add a lot to your payoff amount."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"You have a chance at a lower-than-average ongoing APR, which could help you save on interest even after your intro APR period ends."},"program":null,"tags":[]})" >

Best for low interest

Add to compare

USAA Rate Advantage Credit Card

Bankrate score

Rating: 3 stars out of 5

3.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 3 stars out of 5

3.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on USAA's secure site

See Rates & Fees

Balance transfer intro APR

0% intro APR for 15 months on balance transfers, then 12.15% to 26.15% variable regular APR

Regular APR

12.15% to 26.15% variable

Rewards rate

Rewards rate is not available for this credit card.

N/A

Annual fee

$0

Why you’ll like this card: You have a chance at a lower-than-average ongoing APR, which could help you save on interest even after your intro APR period ends.

What we love: This card from USAA boasts a competitive intro APR offer for balance transfers, but its true worth lies in its potentially low ongoing APR. Many of the best low-interest credit cards don’t start this low, so it’s a great option to consider if you qualify for USAA membership.

Balance transfer timeline: You must transfer your balance within 90 days to qualify for the intro APR rate (5 percent balance transfer fee for each transfer applies).

Alternatives: The USAA Rate Advantage Credit Card has limited value after the intro offer ends, so it may be worth considering a card that earns rewards like the Citi Double Cash.

Pros

The ongoing interest rate on this card may be one of the lowest rates you’ll see on many balance transfer credit cards.

This card is light on fees as it doesn’t charge an annual fee or foreign transaction fees.

Cons

Eligibility for the card is restricted to military personnel, veterans and their families.

The card’s 5 percent balance transfer fee is a bit high and may add a lot to your payoff amount.

Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.

Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 26.15% will apply to introductory balances.

A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.

Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.

Pay less in interest if you carry a balance from month to month.

Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.

No annual fee.

No foreign transaction fees.

See Rates and Fees for details.

Bank of America Unlimited Cash Rewards benefits guide<\/a> Alternatives:<\/strong> Cash back maximizers who don\u2019t use Bank of America and don\u2019t mind keeping track of a few bonus categories to earn a higher rewards rate while paying down a balance may find more value with the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//discover-it///">Discover it\u00ae Cash Back<\/a>.<\/div>","pros_and_cons_header":"Editor's take","pros":["The rewards you earn with this card never expire as long as your account remains open and there\u2019s no minimum amount that you need to redeem for direct deposits or statement credits.","This card doesn\u2019t charge an annual fee, saving some money for cardholders."],"cons":["This card charges a foreign transaction fee on purchases made outside of the U.S.","You\u2019ll need to maintain relatively high balances across your Bank of America accounts to qualify for the Bank of America Preferred Rewards\u00ae program (at least $20,000 minimum)."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":"You can save on interest with its intro APR and enjoy long-term value thanks to its $0 annual fee and solid flat rewards rate."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Flat Rate Rewards","image":null},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null}]})" >

Best for simplicity

Add to compare

Bank of America® Unlimited Cash Rewards credit card

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

Rating: 3.8 stars out of 5

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now
on Bank of America's secure site

Balance transfer intro APR

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Rewards rate

Earn unlimited 1.5% cash back on all purchases.

1.5%

Annual fee

$0

Why you’ll like this card: You can save on interest with its intro APR and enjoy long-term value thanks to its $0 annual fee and solid flat rewards rate.

What we love: People who qualify for the Bank of America Preferred Rewards program could get some of the highest flat cash back rates available with the Bank of America Unlimited Cash Rewards credit card. If you qualify, you could get a 25 percent to 75 percent boost on your cash rewards potential.

Balance transfer timeline: You must transfer your balance within 60 days of account opening to qualify for the intro balance transfer fee (3 percent intro balance transfer fee, then 4 percent).

Learn more: Bank of America Unlimited Cash Rewards benefits guide

Alternatives: Cash back maximizers who don’t use Bank of America and don’t mind keeping track of a few bonus categories to earn a higher rewards rate while paying down a balance may find more value with the Discover it® Cash Back.

Pros

The rewards you earn with this card never expire as long as your account remains open and there’s no minimum amount that you need to redeem for direct deposits or statement credits.

This card doesn’t charge an annual fee, saving some money for cardholders.

Cons

This card charges a foreign transaction fee on purchases made outside of the U.S.

You’ll need to maintain relatively high balances across your Bank of America accounts to qualify for the Bank of America Preferred Rewards® program (at least $20,000 minimum).