WWafacard Compare cards

Category guide

Best balance transfer credit cards

A focused shortlist of balance transfer cards to compare by fees, rewards, and benefits.

How to choose a balance transfer credit card

Balance transfer cards are built around promotional APR windows. They can help reduce interest costs when paired with a realistic payoff plan.

Best for no annual fee
AARP Essential Rewards Mastercard from Barclays Barclays
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4.7 ★★★★★
Wafa rating

AARP Essential Rewards Mastercard from Barclays

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for travel
Alaska Airlines Visa Signature Credit Card Bank of America
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4.6 ★★★★★
Wafa rating

Alaska Airlines Visa Signature Credit Card

Bank of America · Visa

Annual fee
$95
Welcome bonus
50,000 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Companion-travel perks may apply
Best for no annual fee
Bank of America® Customized Cash Rewards Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Customized Cash Rewards Credit Card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-6%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Customized Cash Rewards Credit Card for Students Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Customized Cash Rewards Credit Card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-6%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Travel Rewards credit card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Travel Rewards credit card

Bank of America · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Bank of America® Travel Rewards Credit Card for Students Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Travel Rewards Credit Card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Bank of America® Unlimited Cash Rewards Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Unlimited Cash Rewards credit card for Students Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Unlimited Cash Rewards credit card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
BankAmericard® credit card Bank of America
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4.7 ★★★★★
Wafa rating

BankAmericard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
0%
Intro APR
0% · 21mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Blue Cash Everyday® Card from American Express American Express
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4.7 ★★★★★
Wafa rating

Blue Cash Everyday® Card from American Express

American Express · Amex

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for cash back
Blue Cash Preferred® Card from American Express American Express
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4.6 ★★★★★
Wafa rating

Blue Cash Preferred® Card from American Express

American Express · Amex

Annual fee
$95
Welcome bonus
300 points
Rewards rate
1%-6%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Cash-back earning focus
Best for travel
BMO Ascend™ World Elite®* Mastercard®* BMO
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4.6 ★★★★★
Wafa rating

BMO Ascend™ World Elite®* Mastercard®*

BMO · Mastercard

Annual fee
$150
Welcome bonus
771 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on BMO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Airport-lounge benefits may apply
Best for cash back
BMO CashBack World Elite Mastercard BMO
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4.6 ★★★★★
Wafa rating

BMO CashBack World Elite Mastercard

BMO · Mastercard

Annual fee
$139
Welcome bonus
480 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on BMO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Partner status benefits may apply
Best for travel
Breeze Easy® Visa® Credit Card Barclays
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4.6 ★★★★★
Wafa rating

Breeze Easy® Visa® Credit Card

Barclays · Visa

Annual fee
$89
Welcome bonus
50,000 points
Rewards rate
1x-10x
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Priority boarding may be available
  • Travel-focused card positioning
Best for no annual fee
Capital One Quicksilver Cash Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Quicksilver Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Capital One Savor Cash Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Savor Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-8%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for cash back
Capital One SavorOne Cash Rewards Credit Card Capital One
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4.6 ★★★★★
Wafa rating

Capital One SavorOne Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$39
Welcome bonus
200 points
Rewards rate
1%-8%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Cash-back earning focus
Best for no annual fee
Capital One VentureOne Business Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One VentureOne Business Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
1.5x-5x
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Partner status benefits may apply
Best for no annual fee
Capital One VentureOne Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One VentureOne Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Carnival® World Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Carnival® World Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1x-2x
Intro APR
0% · 6mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for travel
Chase Aeroplan® Card Chase
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4.6 ★★★★★
Wafa rating

Chase Aeroplan® Card

Chase · Mastercard

Annual fee
$95
Welcome bonus
60,000 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • Travel-focused card positioning
Best for no annual fee
Chase Freedom Flex℠ Credit Card Chase
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4.7 ★★★★★
Wafa rating

Chase Freedom Flex℠ Credit Card

Chase · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
Chase Freedom Unlimited® Credit Card Chase
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4.7 ★★★★★
Wafa rating

Chase Freedom Unlimited® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Chase Slate® Credit Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

Chase Slate® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Fraud-liability protection
Best for no annual fee
Citi Custom Cash® Card Citi
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4.7 ★★★★★
Wafa rating

Citi Custom Cash® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Citi Double Cash® Card Citi
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4.7 ★★★★★
Wafa rating

Citi Double Cash® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 18mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Citi Simplicity® Card Citi
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4.7 ★★★★★
Wafa rating

Citi Simplicity® Card

Citi · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 18mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for travel
Citi Strata Elite℠ Card Citi
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4.7 ★★★★★
Wafa rating

Citi Strata Elite℠ Card

Citi · Mastercard

Annual fee
$595
Welcome bonus
75,000 points
Rewards rate
1.5x-12x
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Partner status benefits may apply
Best for travel
Citi Strata Premier® Card Citi
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4.6 ★★★★★
Wafa rating

Citi Strata Premier® Card

Citi · Mastercard

Annual fee
$95
Welcome bonus
60,000 points
Rewards rate
1x-10x
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • Travel-focused card positioning
Best for no annual fee
Citi Strata℠ Card Citi
image coming soon
4.7 ★★★★★
Wafa rating

Citi Strata℠ Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-5x
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Citi® Diamond Preferred® Card Citi
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4.7 ★★★★★
Wafa rating

Citi® Diamond Preferred® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Citizens Clear Value® Mastercard® Citizens
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4.7 ★★★★★
Wafa rating

Citizens Clear Value® Mastercard®

Citizens · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 18mo
See rates & apply on Citizens' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Baggage coverage may be included
Best for no annual fee
Discover it® Cash Back Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Cash Back Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Discover it® Miles Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Miles Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5x
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for no annual fee
Discover it® Secured Credit Card Discover
image coming soon
4.7 ★★★★★
Wafa rating

Discover it® Secured Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-2%
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
DoorDash Rewards Mastercard® Chase
image coming soon
4.7 ★★★★★
Wafa rating

DoorDash Rewards Mastercard®

Chase · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-4%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • No yearly card fee
Best for travel
Emirates Skywards Premium World Elite Mastercard Barclays
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4.7 ★★★★★
Wafa rating

Emirates Skywards Premium World Elite Mastercard

Barclays · Mastercard

Annual fee
$499
Welcome bonus
50,000 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Partner status benefits may apply
Best for travel
Emirates Skywards Rewards World Elite Mastercard® Barclays
image coming soon
4.6 ★★★★★
Wafa rating

Emirates Skywards Rewards World Elite Mastercard®

Barclays · Mastercard

Annual fee
$99
Welcome bonus
40,000 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • Fraud-liability protection
Best for no annual fee
Evergreen® Credit Card FNBO
image coming soon
4.7 ★★★★★
Wafa rating

Evergreen® Credit Card

FNBO · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
0% · 6mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Fifth Third 1.67% Cash/Back Card Fifth Third Bank
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4.7 ★★★★★
Wafa rating

Fifth Third 1.67% Cash/Back Card

Fifth Third Bank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.67%
Intro APR
0% · 12mo
See rates & apply on Fifth Third Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for travel
FRONTIER Airlines World Mastercard Barclays
image coming soon
4.6 ★★★★★
Wafa rating

FRONTIER Airlines World Mastercard

Barclays · Mastercard

Annual fee
$99
Welcome bonus
60,000 points
Rewards rate
1x-15x
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • Companion-travel perks may apply
Best for no annual fee
Getaway℠ Credit Card FNBO
image coming soon
4.7 ★★★★★
Wafa rating

Getaway℠ Credit Card

FNBO · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
3x
Intro APR
0% · 12mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for travel
JetBlue Card Barclays
image coming soon
4.7 ★★★★★
Wafa rating

JetBlue Card

Barclays · Mastercard

Annual fee
$499
Welcome bonus
100,000 points
Rewards rate
1x-6x
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Travel-focused card positioning
Best for travel
JetBlue Plus World Elite Mastercard Barclays
image coming soon
4.6 ★★★★★
Wafa rating

JetBlue Plus World Elite Mastercard

Barclays · Mastercard

Annual fee
$99
Welcome bonus
60,000 points
Rewards rate
1x-6x
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • Travel-focused card positioning
Best for travel
JetBlue Premier World Elite Mastercard Barclays
image coming soon
4.7 ★★★★★
Wafa rating

JetBlue Premier World Elite Mastercard

Barclays · Mastercard

Annual fee
$499
Welcome bonus
100,000 points
Rewards rate
1x-6x
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Partner status benefits may apply
Best for no annual fee
Key Cashback® Credit Card KeyBank
image coming soon
4.7 ★★★★★
Wafa rating

Key Cashback® Credit Card

KeyBank · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-2%
Intro APR
0% · 12mo
See rates & apply on KeyBank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
KeyBank Latitude® Mastercard® credit card KeyBank
image coming soon
4.7 ★★★★★
Wafa rating

KeyBank Latitude® Mastercard® credit card

KeyBank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on KeyBank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Maximum Rewards® Visa Signature® Card FNBO
image coming soon
4.7 ★★★★★
Wafa rating

Maximum Rewards® Visa Signature® Card

FNBO · Visa

Annual fee
$0
Welcome bonus
150 points
Rewards rate
1.5%
Intro APR
0% · 12mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Nordstrom Visa Signature Card TD Bank
image coming soon
4.7 ★★★★★
Wafa rating

Nordstrom Visa Signature Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
60 points
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
PenFed Gold Visa® Card PenFed
image coming soon
4.7 ★★★★★
Wafa rating

PenFed Gold Visa® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for travel
PenFed Pathfinder® Rewards Visa Signature® Card PenFed
image coming soon
4.6 ★★★★★
Wafa rating

PenFed Pathfinder® Rewards Visa Signature® Card

PenFed · Visa

Annual fee
$95
Welcome bonus
50,000 points
Rewards rate
1.5x-4x
Intro APR
0% · 12mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Airport-lounge benefits may apply
Best for no annual fee
PenFed Platinum Rewards Visa Signature® Card PenFed
image coming soon
4.7 ★★★★★
Wafa rating

PenFed Platinum Rewards Visa Signature® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
15,000 points
Rewards rate
1x-5x
Intro APR
0% · 12mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
PenFed Power Cash Rewards Visa Signature® Card PenFed
image coming soon
4.7 ★★★★★
Wafa rating

PenFed Power Cash Rewards Visa Signature® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-2%
Intro APR
0% · 12mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PNC Cash Rewards® Visa® Credit Card PNC
image coming soon
4.7 ★★★★★
Wafa rating

PNC Cash Rewards® Visa® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-4%
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PNC Cash Unlimited® Visa Signature® Credit Card PNC
image coming soon
4.7 ★★★★★
Wafa rating

PNC Cash Unlimited® Visa Signature® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
2%
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for no annual fee
PNC Core Visa Credit Card PNC
image coming soon
4.7 ★★★★★
Wafa rating

PNC Core Visa Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
PNC Points® Visa® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Points® Visa® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
25%-75%
Intro APR
0% · 12mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
PNC Secured Visa Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Secured Visa Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Prime Visa Chase
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4.7 ★★★★★
Wafa rating

Prime Visa

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for general
Regions Premium Visa® Signature Credit Card Regions
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4.6 ★★★★★
Wafa rating

Regions Premium Visa® Signature Credit Card

Regions · Visa

Annual fee
$125
Welcome bonus
30,000 points
Rewards rate
1.5x
Intro APR
0% · 12mo
See rates & apply on Regions' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
Best for no annual fee
Regions Prestige Visa® Signature Credit Card Regions
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4.7 ★★★★★
Wafa rating

Regions Prestige Visa® Signature Credit Card

Regions · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-4%
Intro APR
0% · 12mo
See rates & apply on Regions' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
SECU Cash Rewards Visa Credit Card SECU
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4.7 ★★★★★
Wafa rating

SECU Cash Rewards Visa Credit Card

SECU · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
0.5%-2%
Intro APR
0% · 12mo
See rates & apply on SECU's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Secured Chime Visa® Credit Card Chime
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4.7 ★★★★★
Wafa rating

Secured Chime Visa® Credit Card

Chime · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
2%-5%
Intro APR
Check terms
See rates & apply on Chime's site
Why we like it
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Target Circle™ Mastercard® TD Bank
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4.7 ★★★★★
Wafa rating

Target Circle™ Mastercard®

TD Bank · Mastercard

Annual fee
$0
Welcome bonus
50 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
TD Cash Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Cash Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
TD Double UpSM Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Double UpSM Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-2%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for travel
TD First ClassSM Visa Signature® Credit Card TD Bank
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4.6 ★★★★★
Wafa rating

TD First ClassSM Visa Signature® Credit Card

TD Bank · Visa

Annual fee
$89
Welcome bonus
250 points
Rewards rate
1x-3x
Intro APR
0% · 12mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for general
The Amex EveryDay® Preferred Credit Card from American Express American Express
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4.6 ★★★★★
Wafa rating

The Amex EveryDay® Preferred Credit Card from American Express

American Express · Amex

Annual fee
$95
Welcome bonus
15,000 points
Rewards rate
50%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
Best for no annual fee
The Barnes & Noble Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

The Barnes & Noble Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
25 points
Rewards rate
5%
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
Truist Enjoy Cash Credit Card Truist
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4.7 ★★★★★
Wafa rating

Truist Enjoy Cash Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
0% · 12mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Truist Future Visa® Credit Card Truist
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4.7 ★★★★★
Wafa rating

Truist Future Visa® Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
Best for no annual fee
U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-5x
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • No yearly card fee
Best for no annual fee
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-4x
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for business
U.S. Bank Business Leverage Visa Signature Card U.S. Bank
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4.6 ★★★★★
Wafa rating

U.S. Bank Business Leverage Visa Signature Card

U.S. Bank · Visa

Annual fee
$95
Welcome bonus
750 points
Rewards rate
1x-5x
Intro APR
0% · 12mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Employee card controls may be available
  • Business spending features
Best for no annual fee
U.S. Bank Business Triple Cash Rewards World Elite Mastercard U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

U.S. Bank · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Partner status benefits may apply
Best for no annual fee
U.S. Bank Cash+® Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
U.S. Bank Triple Cash Rewards Visa® Business Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Employee card controls may be available
Best for no annual fee
U.S. Bank Visa® Platinum Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Visa® Platinum Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1x
Intro APR
0% · 21mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
USAA Cashback Rewards Plus American Express® Credit Card USAA
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4.7 ★★★★★
Wafa rating

USAA Cashback Rewards Plus American Express® Credit Card

USAA · American Express

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on USAA's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Baggage coverage may be included
Best for no annual fee
USAA Rate Advantage Visa® Platinum Credit Card USAA
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4.7 ★★★★★
Wafa rating

USAA Rate Advantage Visa® Platinum Credit Card

USAA · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 15mo
See rates & apply on USAA's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
Wells Fargo Active Cash® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Active Cash® Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
Wells Fargo Business Platinum Credit Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Business Platinum Credit Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
300 points
Rewards rate
1.5%
Intro APR
0% · 9mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
Wells Fargo Reflect® Visa® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Reflect® Visa® Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for no annual fee
Wyndham Rewards Earner® Card Barclays
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4.7 ★★★★★
Wafa rating

Wyndham Rewards Earner® Card

Barclays · Visa

Annual fee
$0
Welcome bonus
75,000 points
Rewards rate
Varies
Intro APR
0% · 6mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Travel-focused card positioning
Best for travel
Wyndham Rewards Earner® Plus Card Barclays
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4.6 ★★★★★
Wafa rating

Wyndham Rewards Earner® Plus Card

Barclays · Visa

Annual fee
$95
Welcome bonus
100,000 points
Rewards rate
Varies
Intro APR
0% · 6mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • Travel-focused card positioning
Best for no annual fee
Xbox Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Xbox Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 12mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee

Frequently asked questions

What matters most on a balance transfer card?

Compare intro APR length, transfer fee, regular APR, and whether new purchases also receive promotional terms.

Can a balance transfer hurt credit?

Opening a new card can affect credit in the short term, but reducing high-interest debt may help over time if managed well.