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LOW APR CREDIT CARDS
A recent study claims that 60% of credit-card holders carry a significant balance, and of those who own a credit card, the average balance is now over $8,000, while only a decade ago it was around $3,000!
So for over half of US credit card holders, the ongoing APR is perhaps the most important feature of a credit card. But what is an ongoing APR? A.P.R. stands for Annual Percentage Rate, and the lower the better! A lower APR card means you pay less interest on your credit card balance at the closing of each statement period if you carry a balance. Ongoing APR is the APR after your introductory period, which usually varies from 6-18 months. The "intro" APR is always lower than the "ongoing" APR (often 0%) and it can be applied toward your balance transfers from another credit card, or toward purchases made during the introductory period, or toward both. APRs can either be "fixed" or "variable." Fixed-rate APR's are typically higher, but you know years in advance how much interest you'll have to pay at the end of each month. A variable rate will change (vary) based on the "prime" index, published in the Wall Street Journal.
Lower is better:
On this page, we compiled credit cards with LOWER THAN 15% ongoing APR. If you carry a high balance, make this the most important attribute when choosing a card. If you owe only a moderate amount on your cards, look for the perks along with other features.
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- 0% APR on purchases for up to 12 months
- No Annual Fee
- Low Balance Transfer APR — 2.99% Fixed APR for 12 months
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
- Membership Rewards Express® program
- Express Approval. Get a decision in less than 60 seconds.
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 6.99% (Currently 10.99%)
APR for Balance Transfers: 2.99% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: Membership Rewards® Points
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- Earn 1 point for every eligible $1 in purchases*
- 1,000 Bonus Points* with your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2500 points
- Choose from either a $25 check or a $25 gift card/certificate
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Cash Back or Gift Card/Certificate
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- Earn 1 point for every dollar spent*
- Earn airline tickets, hotel stays or car rentals.
- 0% introductory APR* for up to 12 months
- The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
- No Annual Fee
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Bonus Points
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- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
*See Terms and Conditions.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 7.49%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
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- Earn up to 6% Cash Back on purchases*
- Earn a 20% Bonus on the Cash Back Earned on all purchases for the first 12 months*
- Checks will be sent automatically every time you earn $50 — no calling necessary
- 0% APR* on balance transfers for up to 12 months
- No Annual Fee
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 4.99% (Currently 8.99%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: 1-6% Cashback
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- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
*See Terms and Conditions.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.74% (Currently 7.74%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
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- Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays
- 1% cash back on every single credit card purchase made Monday through Friday
- Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
- Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
- 0% Introductory APR on balance transfers for 12 months*
- No annual fee
*See terms & conditions.
Issuer: HSBC Bank Nevada, N.A.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Annual Fee: None
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: 1-2% Unlimited Cash Back
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- Earn one reward point for every dollar you spend.*
- 0% APR for up to 6 months and pay no annual fee.*
- No telemarketing calls.
- Zero unauthorized liability.
- Exclusive discounts for AARP Platinum Visa cardmembers.
- Automatic AARP Rewards Platinum Visa card benefits.
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Cash Advance APR: Prime + 14.74% (Currently 18.74%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Rewards Points
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- 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
- 3% rebates on ALL gas purchases at ANY gas station after the first 90 days*
- 1% rebates on ALL other purchases made anywhere else*
- 0% Intro APR* for up to 6 months*
- No Annual Fee
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None*
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Rebate (Credit)
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- Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases
- There's no limit to the miles you can earn and your miles won't expire
- There are no blackout dates and no seat restrictions
- Save with a 0% intro APR on purchases until October 2009
- No annual fee
*See website for Disclosures.
Issuer: Capital One Bank
Intro APR for Purchases: 0.00% (for — until October 2009)
Ongoing APR: Variable 13.90%
APR for Balance Transfers: Variable 13.90%
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: 22.90%
Cash Advance Fee: 3%, $10 minimum
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $500-$15,000*
Reward Program: At least 1.25 miles/dollar on net purchases*
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- Option to enroll in the Membership Rewards Express® Program fee-free
- There's no limit to the number of points you can earn
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- 0% APR for the first 12 months
- No annual fee and fee-free Additional Cards
- Balance Transfer APR: 4.99%*
- Get a decision in less than 60 seconds
- Easy, 1-page online application
*View Terms & Conditions.
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 6.99%)
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: $1,000 to $50,000
Reward Program: Optional (fee applies) Points
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- No Annual Fee
- 0% Intro APR for up to 12 months*
- No Block-out Dates
- Visa® Platinum Benefits
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $14-$34
Overlimit Fee: $29.00
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: At least 20 Days
Reward Program: Disney RewardsSM
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- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Fraud specialists dedicated to helping you 24/7
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Easy online account options that put you in control
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Up to 5% Cashback Bonus® Award on Gas Purchases
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- Up to 10% savings for the first 12 months on AT&T purchases*
- Plus AT&T calling benefits*: Up to 30 free phone minutes each month
- 0% APR on balance transfers for up to 12 months*
- No annual fee
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 3.99% (Currently 7.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Credit Line: Minimum $500
Reward Program: Up to 10% Savings*
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- Up to 5% Cash Back with Unlimited Cash Rewards*
- Earn unlimited cash back
- 0% Intro APR for 12 months on purchases
- Low Balance Transfer rate - 2.99% fixed APR for 12 months
- No Annual Fee
- Express Approval. Get a decision in less than 60 seconds.
*See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)
APR for Balance Transfers: 2.99% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: Up to 5% Cash Back
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- Earn 5% cash back on office supplies and wireless services.
- Earn 3% cash back on automobile gas purchases and 1% of virtually all other purchases.
- Cash back is automatically credited to the statement each month
- 0% intro APR for up to 12 months
- Additional Cards have no annual fee
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- Automatic cash back every month
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 0.00% (Currently 4.00%)
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
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- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus® into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Talk to a knowledgeable person in less than a minute
- $0 fraud liability guarantee
- Advanced fraud early warning alerts
- Secure online account numbers
- Fraud specialists dedicated to helping you 24/7
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- Book any travel, anytime with no blackout dates or restrictions
- Double Miles on up to $3,000 in travel and restaurant purchases each year
- 1 Mile for every $1 on all your other purchases - personal and business
- Unlimited Miles that never expire as long as you use your card
- Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Air Miles
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- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- Earn an unlimited 1% cash back on every single purchase
- Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
- Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
- 0% Intro APR on balance transfers for the first 12 months*
- No annual fee
*See terms & conditions.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: Cash Back Rewards
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- 1% cash back on everything you buy from day one.
- No limit on cash back; no expiration for the life of your account
- No minimum to redeem for cash
- No annual membership fee
Download the Terms & Conditions here.
Issuer: IberiaBank
Ongoing APR: As low as Prime + 4.00% (Currently 8.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 8.00% (Currently 12.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: 1% Cashback
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- No Annual Fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 12 billing cycles*
- Credit lines may be as high as $25,000
- Card issued by FIA Card Services, NA.
- Online Banking Service
- Total Security Protection®
- Card issued by FIA Card Services, NA
*See important rate and fee information.
Issuer: Bank of America
Ongoing APR: Between Prime + 2.99% (Currently 6.99%) and Prime + 12.99% (Currently 16.99%)
APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $15-$39
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Credit Line: As high as $25,000
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- No annual membership fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles*
- 25 Day grace period
- Online access to credit card information
Download the Terms & Conditions here.
Issuer: IberiaBank
Ongoing APR: As low as Prime + 3.00% (Currently 7.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 7.00% (Currently 11.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
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- 0% APR* on balance transfers for up to 12 months
- 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases*
- No annual fee and FREE rewards program
- Citi® Identity Theft Solutions
- Price Protection Program
- $0 Liability on unauthorized purchases
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 5.49% (Currently 9.49%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: Reward Points, Gift Card
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- Up to 5% Cash Back on virtually all purchases
- No limit to the cash back you can earn
- No anual fee
- 0% Intro APR for first 6 months
- Option to pay over time or pay in full
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
- Earn cash back on purchases made by Additional Cardholders
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 6.99%)
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
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- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Full 5% on Gas Purchases*
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- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Talk to a knowledgeable person in less than a minute
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- No annual fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
Download the Terms & Conditions here.
Issuer: IberiaBank
Ongoing APR: As low as Prime + 4.00% (Currently 8.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 8.00% (Currently 12.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: ScoreCard® Bonus Points
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- 0% Intro APR*
- No Annual Fee
- FREE Online Account Access
- FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Flexible Rewards Points
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- 0% Intro APR for up to 12 months on purchases
- Low Balance Transfer APR - 2.99% for 12 months
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more.
- No blackout dates or travel restrictions
- Express Approval. Get a decision in less than 60 seconds.
See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)
APR for Balance Transfers: 2.99% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Travel Points
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- Earn one point for every dollar of net retail purchases, everywhere you shop
- Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points
- Or redeem points for 1% cash back
- Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants*
- No annual fee, for qualifying applicants
*See terms & conditions.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: Cash Back or Travel Rewards
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- 0.00% Intro APR for up to 12 months
- 3.99% fixed APR on balance transfers
- Automatic Rewards
- Flexibility to pay over time
- User-friendly credit report and score
- American Express World-Class customer service
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 8.99% (Currently 12.99%)
APR for Balance Transfers: Fixed 3.99% (for 12 Months)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: None
Overlimit Fee: None
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: None
Returned Check Fee: None
Grace Period: 28-31 Days
Reward Program: Automatic Rewards
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- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR (based on Prime) on Purchases
- NEW! Unlimited Rewards*
- Earn cash back, travel, merchandise and more
- No Annual Fee and No Limit on the points you can earn
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card -- your company name on the card, plus logo or other image!
* See website for Terms and Conditions.
Issuer: Advanta Bank Corp.
Ongoing APR: Prime + 2.74%
APR for Balance Transfers: 0.00% (for 15 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $90)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15-$39
Cash Advance APR: As low as Prime + 2.74%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Reward Program: 5% Cash Back or Travel Rewards
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- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
Issuer: First Bank of Delaware
Ongoing APR: 9.75%
Total Initial Charge: $225.00
Annual Fee: $25.00
Monthly Fee: $12.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300-$2,000*
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- APR as low as 0.0%*
- Working Capital Credit Line of up to $100,000
- Customized with your Business Name at the top
- Free Additional Cards for Employees
- Earn up to 5% cash back on qualified purchases*
*First Equity Terms & Conditions.
Issuer: First Equity Card Corp.
Ongoing APR: As low as 0%*
Annual Fee: $0-$39
Late Fee: $39.00
Overlimit Fee: $39.00
Cash Advance APR: As low as 2%*
Cash Advance Fee: 3% (minimum $10)
Returned Check Fee: $39.00
Grace Period: At least 20 Days
Credit Line: Up to $100,000
Reward Program: Up to 5% Cash Back
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- 0% APR* for up to 12 months
- No Annual Fee
- Flexible Rewards Points
- Platinum MasterCard® Privileges
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Flexible Rewards Points
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- Purchase rate is a fixed 6.50% annual percentage rate (APR)
- Intro balance transfer rate of 0% (apr) for 6 billing periods
- Cash rate is 6.50% APR
- No cash advance or balance transfer fees
- Minimum payment is 2% of outstanding balance*
*See terms & conditions
Issuer: Pulaski Bank
Ongoing APR: 6.50%
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Annual Fee: $35.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: 6.50%
Cash Advance Fee: None
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
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- 1 ThankYouSM Point for every dollar you spend on non-AT&T purchases
- Up to 10% savings for the first 12 months on AT&T purchases*
- Plus AT&T calling benefits*: Up to 30 free phone minutes each month
- 0% APR on balance transfers for up to 12 months*
- No annual fee
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 4.99% (Currently 8.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Credit Line: Minimum $500
Reward Program: Up to 10% Savings* + ThankYou Points®
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- 0% fixed introductory APR on purchases and balance transfers for the first six billing cycles*
- Earn points for worldwide travel rewards
- 1,000 bonus points with first purchase
- Earn one point for every $1 in purchases*
- Receive 1,000 bonus points after your first purchase
- Earn points toward worldwide travel and related rewards beginning at 10,000 points
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
Issuer: Bank of America
Ongoing APR: Prime + 4.99% (Currently 8.99%)
APR for Balance Transfers: 0.00% (for six billing cycles)
Balance Transfer Fee: 3% (minimum $10)
Annual Fee: $19.00
Late Fee: $15-$39
Overlimit Fee: $15-$39
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Credit Line: Minimum $500
Reward Program: Points for Travel Rewards
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