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NO ANNUAL FEE CREDIT CARDS
Smart customers look at the cost when shopping for a credit card. Banks now offer no annual fee credit cards even with rewards and competitive APRs. People want rewards, and they want something for free. Unfortunately, not everyone qualifies for these deals. Although no-fee reward offers are abundant, only the top one third of credit card holders carry some type of a reward card with no annual fee. In plain terms, you need to have a pretty good to excellent credit history to get the goodies free of annual fees.
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- Membership Rewards ExpressSM program
- 0% APR for up to 15 months
- Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance
- No annual fee
- Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: 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 + 14.99% (Currently 19.99%)
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 a full 1% cash back on every purchase*
- Get 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 9.99%)
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 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: 1-5% Cashback
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- No annual fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 6 billing cycles*
- Get back 10% of your yearly interest charges
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
Issuer: Bank of America
Ongoing APR: Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: 0.00% (for six 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 20.99%)
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Credit Line: Minimum $500
Reward Program: Cash Back (on interest charges)
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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 10.99%)*
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 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Cash Back or Gift Card/Certificate
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- 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 10.99%)*
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 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Rebate (Credit)
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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 10.99%)*
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 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Bonus Points
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- Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months
- Receive 1% on all other purchases
- Rebate automatically applied to your mortgage principal
- NO CAP or limits on the amount of rebates you can accumulate in a year
- No annual fee
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: Mortgage Rebate
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- Up to 5% cash back on all qualified purchases*
- 0% Intro APR for 6 months
- Online application approval decisions in under 60 seconds
- Balance Transfer APR 4.99%
- Go To Rate: Prime + as low as 4.99%, currently 9.99%
- Flexibility to pay over time
- No annual fee
*See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
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 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 10.99%)*
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 19.74%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Rewards Points
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- 2.99% Fixed APR for LIFE on balances transferred within 3 months
- Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus your logo.
* See website for Terms and Conditions.
Issuer: Advanta Bank Corp.
Ongoing APR: Prime + 2.24% (Currently 7.24%)
APR for Balance Transfers: 2.99% (for Life of Balance*)
Balance Transfer Fee: Waived for the introductory offer*
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15-$39
Cash Advance APR: As low as Prime + 2.24% (Currently 7.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Cash Back or Travel Rewards
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- 0% introductory APR for 12 months (on balance transfers)
- A full 1% cash back option
- A full 1% earnings toward any other new vehicle
- Triple your earnings to 3% toward an eligible, new GM vehicle
- No annual fee
*View card Terms and Conditions.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: As low as 14.24%
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $10; maximum $99)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 15.40% (Currently 20.40%)
Minimum Cash Advance APR: 20.99%
Cash Advance Fee: 3% (minimum $15)
Grace Period: 20 Days
Reward Program: GM Flexible Earnings
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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 20.99%)
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: 1-2% Unlimited Cash Back
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- 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
- 5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
- No Annual Fee
Earn $100 Cashback Bonus when you apply now*
- Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
- Free employee cards with customizable limits and monthly reporting on their spending
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 13.99% Fixed
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $5; maximum $75)*
Annual Fee: None
Late Fee: $0-$39
Overlimit Fee: $0-$39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® 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% (minimum $10; maximum $75)
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 like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® 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% (minimum $10; maximum $75)
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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- 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 + 0.99% (Currently 5.99%)
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 + 1.99% (Currently 6.99%)
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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- 0% APR on balance transfers for 12 months.*
- Earn 5% cash back on purchases at supermarkets, drugstores, gas stations, convenience stores, and utilities including cable for 6 months, and 2% cash back thereafter, plus 1% on all other purchases*
- Earn Cash Back on qualifying balance transfers and eligible cash advances.
- Earn unlimited cash back by shopping within the Citi Bonus Cash CenterSM
- No annual fee.
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: 0.00% (for 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 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: 1-5% Cashback
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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 20.99%)
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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- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR on Purchases
- Choice of 5% Cash Back on office supplies, gas and more*
- No Annual Fee and No Limit on Earnings
- 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!
- No Tax ID required for application
- Build Business Credit with the Advanta BusinessCard
* See website for Terms and Conditions.
Issuer: Advanta Bank Corp.
Ongoing APR: Prime + 0.24% (Currently 5.24%)
APR for Balance Transfers: 0.00% (for 15 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15-$39
Cash Advance APR: As low as Prime + 0.24% (Currently 5.24%)
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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- Earn one point for every dollar in net retail purchases.
- No annual fee
- Choose to redeem your WorldPoints® rewards as Investment Dollars, which can be directly added into your eligible Fidelity Account.*
- Card issued by FIA Card Services, N.A.
*See website for complete Terms and Conditions of card usage and application disclosure.
Issuer: Fidelity Investments
Ongoing APR: Fixed 14.99*
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: $0-$39
Cash Advance APR: 0% for 12 Months; 19.99% thereafter
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: WorldPoints®
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- 0% APR on purchases and balance transfers for 12 months*
- No annual fee
- Business-size credit line
- Free additional cards for employees with credit limits you set
- Savings on everyday business purchases
- Quarterly and annual account summaries
- Balance transfer fee applies with this offer*
*See Terms and Conditions.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%)
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
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- Up to a 5% cash rebate
- No Annual Fee
- 0% APR during your first 6 months
- Get a decision in less than 60 seconds
- Easy, 1-page online application
- No limit to the cash rebate you can earn
- No minimum spending requirement - start earning cash back right away
- Earn cash rewards 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 7.99%)
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 + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
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- 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for the first 6 billing cycles
- Earn 5 bonus points with your first purchase
- Bilingual communications and services in English or Spanish
- No Annual Fee
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
Issuer: Bank of America
Ongoing APR: Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: 0.00% (for six 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 20.99%)
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Credit Line: $500 to $25,000
Reward Program: Cash Back Points
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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 12 months*
- No annual fee
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
APR for Balance Transfers: 0.00% (for 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 19.99%)
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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- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® 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% (minimum $10; maximum $75)
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 like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® 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% (minimum $10; maximum $75)
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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- 0% APR* on balance transfers for up to 12 months
- $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening*
- 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 10.49%)
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 19.99%)
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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- Pay over time or pay in full each month
- No annual fee
- 0% Introductory APR on purchases for the first 12 months
- Balance Transfer APR: 4.99%*
- Option to enroll in Fee-Free Membership Rewards Program
- No annual fee and fee-free Additional Cards*
- 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 7.99%)
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 + 14.99% (Currently 19.99%)
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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- Receive 5,000 Bonus Miles after your first purchase with the card*
- Earn 1 AAdvantage® mile for every $2 you spend on eligible purchases*
- No blackout dates*
- AAdvantage® miles may never expire*
- No annual fee for your card
- No annual fee for American Airlines AAdvantage® program membership
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: Prime + 9.99% (Currently 14.99%)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: AAdvantage® Miles
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- No Fee Rewards Program
- 3 ThankYou Points on eligible business purchases*
- 10,000 bonus ThankYou Points after $250 in purchases, redeemable for a $100 gift card*
- 0% APR on purchases for 12 months*
- Categorized monthly statements and quarterly and annual summaries
- Online Expense Reporting Tool
*See Terms and Conditions.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: ThankYou Points®
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- 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
- No annual fee and the flexibility to pay over time
- Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates*
- Earn rewards faster with 1.25 points for every net retail purchase dollar*
- Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
- Free 24/7 Concierge Service
- Access to more than 2,200 American Express Travel Services locations worldwide to help you.
- Identify theft recovery and absolute fraud protection*
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
Issuer: Bank of America
Ongoing APR: Fixed 9.9%*
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: 0% for twelve billing cycles, then 19.99%
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Reward Program: PetRewards Points
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- Earn 1 Point for every dollar you spend in net retail purchases.*
- Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
- No annual fee
- Low Intro Rate
- Absolute Fraud Protection
- Free 24/7 Concierge Service
- Card issued by FIA Card Services, N.A.
*See website for important rate and fee information.
Issuer: Bank of America
Ongoing APR: As low as Fixed 9.99%*
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: 19.99%
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Reward Program: WorldPoints
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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 + 3.49% (Currently 8.49%)
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 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
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- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Increase, even double, your rewards when you redeem for gifts cards from our 80 Cashback Bonus® 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% (minimum $10; maximum $75)
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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- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on gas and auto maintenance purchases
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® 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% (minimum $10; maximum $75)
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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- 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 + 0.99% (Currently 5.99%)
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 + 1.99% (Currently 6.99%)
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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- 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 8.49%)
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 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
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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 10.99%)*
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 20.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: At least 20 Days
Reward Program: Disney RewardsSM
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- 1% cash back on all purchases you make from day one*
- No limit on cash back and rewards won't expire for the life of your account
- Request your cash back rewards whenever you want
*See website for Disclosures.
Issuer: Capital One Bank
Ongoing APR: 14.90%
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: None
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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- 0.00% Intro APR for up to 12 months
- 5.99% 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 + 5.99% (Currently 10.99%)
APR for Balance Transfers: Fixed 5.99% (for Life of Balance)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: None
Overlimit Fee: None
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: None
Returned Check Fee: None
Grace Period: 28-31 Days
Reward Program: Automatic Rewards
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