0% Introductory Rate Credit Cards

We suggest offers based on money we make from our partners.

These offers are no longer available on our site: Wells Fargo Propel American Express® card, Discover it® - $75 Cash Back - EXPIRED OFFER, Wells Fargo Platinum card, Wells Fargo Cash Wise Visa® card, Chase Freedom Flex℠

N/A

Intro Purchase APR

0% for 15 Months

Regular Purchase APR

17.74% - 27.74%* Variable

Intro Balance Transfer APR

0% for 15 Months

Regular Balance Transfer APR

17.74% - 27.74%* Variable

Annual Fee

$0

Rewards

None
Points

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.49%* Variable

Card Information

Great for smaller purchases

Card Details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months on purchases; after that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. 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).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Rates and fees

Card Details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months on purchases; after that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. 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).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Rates and fees

Intro Purchase APR

0% for 15 Months

Regular Purchase APR

17.74% - 27.74%* Variable

Intro Balance Transfer APR

0% for 15 Months

Regular Balance Transfer APR

17.74% - 27.74%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

N/A N/A

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

18.24% - 28.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

18.24% - 28.99%* Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

None

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.49%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; 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 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
  • Rates and fees

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; 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 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
  • Rates and fees

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

18.24% - 28.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

18.24% - 28.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Regular Purchase APR

19.49% - 28.24%* Variable

Intro Balance Transfer APR

0% Intro APR on Balance Transfers for 15 months

Regular Balance Transfer APR

19.49% - 28.24%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99%

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.24%* Variable

Card Information

Great for maximizing cash back

Card Details

  • 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 19.49% - 28.24%.
  • 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

Card Details

  • 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 19.49% - 28.24%.
  • 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

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Regular Purchase APR

19.49% - 28.24%* Variable

Intro Balance Transfer APR

0% Intro APR on Balance Transfers for 15 months

Regular Balance Transfer APR

19.49% - 28.24%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

N/A

Intro Purchase APR

0% Intro APR for 15 Months

Regular Purchase APR

18.24% - 27.24% Variable APR

Intro Balance Transfer APR

0% Intro APR for 15 Months

Regular Balance Transfer APR

18.24% - 27.24% Variable APR

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Min Credit Needed

GOOD

Return Payment Fee

Up to $30.

Foreign Transaction Fee

None

Penalty APR

See Terms*

Late Fee

None the first time you pay late. After that, up to $41.

Cash Advance Fee

See Terms*

Cash Advance APR

29.24% Variable APR

Card Information

Great for rotating cash back categories

Card Details

  • 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. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • 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. Activate by mobile app for free.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
  • See offer and benefit terms

Card Details

  • 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. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • 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. Activate by mobile app for free.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
  • See offer and benefit terms

Intro Purchase APR

0% Intro APR for 15 Months

Regular Purchase APR

18.24% - 27.24% Variable APR

Intro Balance Transfer APR

0% Intro APR for 15 Months

Regular Balance Transfer APR

18.24% - 27.24% Variable APR

Annual Fee

$0

Min Credit Needed

GOOD

N/A

Intro Purchase APR

N/A

Regular Purchase APR

18.74% - 28.74%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

18.74% - 28.74%* Variable

Annual Fee

$0

Rewards

None
Points

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer, $5 minimum.

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

See Terms*

Cash Advance Fee

5% of each cash advance; $10 minimum

Cash Advance APR

29.49%* Variable

Card Information

Great for gas and grocery rewards

Card Details

  • Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
  • Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
  • The variable APR for purchases and balance transfers is 18.74% - 28.74%, based on your creditworthiness.
  • Rates and fees

Card Details

  • Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
  • Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
  • The variable APR for purchases and balance transfers is 18.74% - 28.74%, based on your creditworthiness.
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

18.74% - 28.74%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

18.74% - 28.74%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

Intro Purchase APR

0% Intro APR for 6 Months

Regular Purchase APR

18.24% - 27.24% Variable APR

Intro Balance Transfer APR

0% Intro APR for 18 Months

Regular Balance Transfer APR

18.24% - 27.24% Variable APR

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Min Credit Needed

GOOD

Return Payment Fee

Up to $30.

Foreign Transaction Fee

None

Penalty APR

See Terms*

Late Fee

None the first time you pay late. After that, up to $41.

Cash Advance Fee

See Terms*

Cash Advance APR

29.24% Variable APR

Card Information

Great for gas and restaurants

Card Details

  • 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.
  • 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 27.24% 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. Activate by mobile app for free.
  • No annual fee.
  • Terms and conditions apply.
  • See offer and benefit terms

Card Details

  • 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.
  • 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 27.24% 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. Activate by mobile app for free.
  • No annual fee.
  • Terms and conditions apply.
  • See offer and benefit terms

Intro Purchase APR

0% Intro APR for 6 Months

Regular Purchase APR

18.24% - 27.24% Variable APR

Intro Balance Transfer APR

0% Intro APR for 18 Months

Regular Balance Transfer APR

18.24% - 27.24% Variable APR

Annual Fee

$0

Min Credit Needed

GOOD

Intro Purchase APR

0% Intro APR for 15 billing cycles for purchases

Regular Purchase APR

18.24% - 28.24% Variable APR on purchases

Intro Balance Transfer APR

See Terms*

Regular Balance Transfer APR

18.24% - 28.24% Variable APR on balance transfers

Annual Fee

$0

Rewards

None
Points

Balance Transfer Fee

3% for 60 days from account opening, then 4%

Min Credit Needed

EXCELLENT

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

up to 29.99% APR

Late Fee

See Terms*

Cash Advance Fee

See Terms*

Cash Advance APR

See Terms*

Card Information

Great for travel rewards with no annual fee

Card Details

  • 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 18.24% - 28.24% 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.

Card Details

  • 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 18.24% - 28.24% 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.

Intro Purchase APR

0% Intro APR for 15 billing cycles for purchases

Regular Purchase APR

18.24% - 28.24% Variable APR on purchases

Intro Balance Transfer APR

See Terms*

Regular Balance Transfer APR

18.24% - 28.24% Variable APR on balance transfers

Annual Fee

$0

Min Credit Needed

EXCELLENT