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Wells Fargo Platinum Visa® Card
Wells Fargo Platinum Visa® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
16.15% - 25.99% Variable
Intro APR: 0% for 18 months
Fee
$0
Rewards
N/A

Balance Transfer

0% for 18 months

Credit Range

Good - Exceptional

0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
Free access to your FICO® Credit Score with Wells Fargo Online®
Zero Liability protection for promptly reported unauthorized transactions
Convenient tools to help create a budget and manage your spending with My Money Map
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Platinum Visa® Card
Discover it® chrome
Discover it® chrome
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards
2% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome
Chase Freedom Unlimited℠
Chase Freedom Unlimited℠
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
15.99% - 24.74% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
$0
Rewards
1.5% Cash Back
Intro Bonus Worth: $150

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

Unlimited 1.5% cash back on every purchase - it's automatic
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Redeem for cash - any amount, anytime
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom Unlimited℠
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
13.99% Variable
Intro APR: 0% for 15 months on Purchases and 0% for 15 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
N/A

Balance Transfer

13.99% Variable

Credit Range

Very Good - Exceptional

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
No balance transfer fees
No foreign transaction fees
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Free online access to FICO® Credit Score
See additional details for Barclaycard Ring™ Mastercard®
NHL® Discover it® Card
NHL® Discover it® Card
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards
5% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
See additional details for NHL® Discover it® Card
Discover it® - Cashback Match™
Discover it® - Cashback Match™
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards
5% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® - Cashback Match™
Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
13.99% - 25.99% Variable
Intro APR: 0% for 12 months
Fee
$0
Rewards
3x Points on Gas
2x Points on Dining
1x Points on Everyday
Intro Bonus Worth: $200

Balance Transfer

0% for 12 months

Credit Range

Good - Exceptional

NEW! Earn 20,000 bonus points after spending $1,000 in the first 3 months
Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far™ Rewards
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Propel American Express® Card
Chase Freedom®
Chase Freedom®
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
15.99% - 24.74% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
$0
Rewards
1% Cash Back
Intro Bonus Worth: $150

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
Unlimited 1% cash back on all other purchases - it's automatic
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom®
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% for 6 months on purchases and 0% for 18 months on balance transfers
Fee
$0
Rewards
5% Cash Back

Balance Transfer

0% for 18 months

Credit Range

Good - Exceptional

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Wells Fargo Cash Wise Visa® Card
Wells Fargo Cash Wise Visa® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
13.99% - 25.99% Variable
Intro APR: 0% for 12 months
Fee
$0
Rewards
1.5% Cash Back on Everyday
Intro Bonus Worth: $200

Balance Transfer

0% for 12 months

Credit Range

Good - Exceptional

NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash rewards on virtually every purchase
Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Cash Wise Visa® Card
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Apply

on JP Morgan Chase's website

Apply

on JP Morgan Chase's website

APR
16.99% - 23.99% Variable
Intro APR: None
Fee
$0 intro for first year, then $95
Rewards
2x Points on Dining
2x Points on Travel
1x Points on Everyday
Intro Bonus Worth: $625

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card
Barclaycard CashForward™ World Mastercard®
Barclaycard CashForward™ World Mastercard®
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
15.99%, 20.99% or 25.99% Variable
Intro APR: 0% for 15 months on Purchases and 0% for 15 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
1.5% Cash Back
Intro Bonus Worth: $200

Balance Transfer

15.99%, 20.99% or 25.99% Variable

Credit Range

Very Good - Exceptional

Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
Earn unlimited 1.5% cash rewards on every purchase
Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
Cash rewards do not expire as long as your account is open, active and in good standing
Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
No annual fee
JetBlue Card
JetBlue Card
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
12.99%, 20.99% or 25.99% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
2x Points

Balance Transfer

12.99%, 20.99% or 25.99% Variable

Credit Range

Very Good - Exceptional

Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days
Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn and share points together with Family Pooling
50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
No foreign transaction fees
Chip technology & $0 Fraud Liability protection
See additional details for JetBlue Card
Barclaycard Arrival Plus™ World Elite Mastercard®
Barclaycard Arrival Plus™ World Elite Mastercard®
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
16.99%, 20.99% or 23.99% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$89 - Waived first year
Rewards
2x Miles
Intro Bonus Worth: $500

Balance Transfer

16.99%, 20.99% or 23.99% Variable

Credit Range

Very Good - Exceptional

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Earn 2X miles on all purchases
Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
Get 5% miles back to use toward your next redemption, every time you redeem
Miles don't expire as long as your account is open, active and in good standing
No foreign transaction fees on anything you buy while in another country
0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
JetBlue Plus Card
JetBlue Plus Card
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
12.99%, 20.99% or 25.99% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$99
Rewards
2x Points

Balance Transfer

12.99%, 20.99% or 25.99% Variable

Credit Range

Very Good - Exceptional

Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn 5,000 bonus points every year after your account anniversary
50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
See additional details for JetBlue Plus Card
Discover it® for Students
Discover it® for Students
Apply

on Discover's website

Apply

on Discover's website

APR
13.99% - 22.99% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards
5% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® for Students
Discover it® Miles
Discover it® Miles
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards
1.5x Miles

Balance Transfer

10.99% for 14 months

Credit Range

Good - Exceptional

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
Match Mile For Mile: We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your Miles as a statement credit towards travel purchases.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No Annual Fee.
See additional details for Discover it® Miles
Discover it® chrome for Students
Discover it® chrome for Students
Apply

on Discover's website

Apply

on Discover's website

APR
13.99% - 22.99% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter -- no sign-ups needed. 1% cash back on all your other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome for Students
Discover it® Secured Card - No Annual Fee
Discover it® Secured Card - No Annual Fee
Apply

on Discover's website

Apply

on Discover's website

APR
23.99% Variable
Intro APR: None
Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Poor - Fair

New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® Secured Card - No Annual Fee

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Balance transfer credit card basics

How balance transfers work

Balance transfer credit cards can be a good way to consolidate credit card debt from multiple cards. Issuers will sometimes offer incentives to transfer balances from your old credit cards by offering a low or zero percent APR on the transferred amount for a limited period of time. This time period may vary based on the issuer and/or offer but typically can be 12 months or more.

Balance transfer fees

Balance transfer cards may have an upfront fee that can equal 3 percent or more of the total amount transferred. Sometimes the promotional rate is meant for a single balance transfer, and issuers may charge higher rates for balance transfers from additional credit cards. All of this information can be found in what is called a “Schumer box”, which contains a summary of costs of a credit card offer, such as “other APRs” where balance transfer information resides. Additional information to help you understand your costs can be found in this summary and within the terms and conditions.

Balance transfer impacts on your credit

Depending on your credit situation, a balance transfer could affect your credit. If you already have a high utilization rate, meaning your credit card balances are high compared to your credit limits, transferring the balance to a new card could affect your credit score. The addition of the new card may increase your total credit limit and decrease your overall utilization rate, but having a high utilization rate on a single credit card may still impact your credit.

Balance transfer considerations
  • Your ability to pay: Considering the balance transfer cost, which is the fee percentage multiplied by the balance, and the length of the promotional APR, could be beneficial in helping you to budget. For example, if $5,000 is transferred with a 3% fee and the promotion was at 0% for 12 months, then in order to avoid any interest payments, you would have to be diligent enough to pay $429 every month. Any missed payment or balance after the promotional period would result at a higher APR, and could become costly.
  • Financial goals: It may turn out that a balance transfer may not help your credit in the short term, but it could be a temporary trade-off. If your goal is to pay off the balance during the promotional period while the APR is low, then as your on-time payments continue and your balance decreases, your credit will start to improve.
  • Avoiding more debt: After transferring a balance, you may consider not using the older card until your debt situation improves. You could close the older card to remove the temptation of racking up more debt, but in doing so, you may negatively impact your credit score, since you will reduce your total credit limit and raise your utilization rate. Also, if you had the card for a long time, you could be removing an account that was beneficial to your credit, since creditors like to see a longer and positive credit history. In deciding to close the account, you would have to weigh the possibility of accumulating more debt vs impacting your credit in the near-term. No matter what you choose, if you continue to pay down debt and pay on time, your credit could improve over time.

1 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.