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Moving can be an expensive endeavor, costing thousands of dollars in some instances. Depending on your situation, you may need to shell out for movers, new furniture, travel expenses and more.
Before you start planning your move, consider how getting a new credit card could help you save money or earn more rewards on your expenses. Here are our picks for the best credit cards for moving.
5 Partner Offers
| Our Picks for the Best Credit Cards for Moving | |
|---|---|
 Wells Fargo Active Cash® Card | 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, then 19.74%, 24.74%, or 29.74% Variable APR Balance transfers made within 120 days qualify for the intro rate and fee of 3%, then a balance transfer fee of up to 5% ($5 minimum) 2% cash rewards on every purchase you make No annual fee |
 Wells Fargo Autograph℠ Card | 0% intro APR on purchases for 12 months from account opening, then 19.74%, 24.74%, or 29.74% Variable APR 3 points per dollar at restaurants and on travel, gas stations, transit, popular streaming services and phone plans, and 1 point per dollar on all other purchases No annual fee |
 Credit One Bank American Express® Credit Card | 1% cash back rewards on every purchase you make; terms apply Available to borrowers with fair credit $39 annual fee |
 Wells Fargo Reflect® Card | 0% intro APR on purchases and balance transfers for 21 months, then 17.74%, 24.24%, or 29.49% Variable APR Balance transfer fee of 5% ($5 minimum) No annual fee |
 Capital One VentureOne Rewards Credit Card | 0% intro APR on purchases and balance transfers for 15 months, then 19.74% - 29.74% (Variable) APR 5 miles per dollar on hotels and rental cars booked through Capital One Travel, and 1.25 miles per dollar on all other purchases No annual fee |
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card could be a good fit if you want to earn great cash back rewards and save money as you pay down your purchases. The card offers a solid introductory 0% APR promotion, plus a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. The APR after the intro period ends is 19.74%, 24.74%, or 29.74% Variable APR.
You'll also earn a solid 2% cash rewards on every purchase, making it so you don't have to keep track of different spending categories and rewards rates.
Wells Fargo Active Cash® Card
on Wells Fargo's website
Recommended FICO® Score*
Wells Fargo Active Cash® Card
APR
19.74%, 24.74%, or 29.74% Variable APR
Intro APR
Rewards
Earn unlimited 2% cash rewards on purchases.
Intro Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Wells Fargo Autograph℠ Card
If you expect to spend a lot, the Wells Fargo Autograph℠ Card could offer a higher welcome bonus and more rewards on certain purchases.
The card offers 20,000 bonus points when you spend $1,000 in the first 3 months—that's $200 in cash value. You'll also earn 3 points per dollar at restaurants and on travel, gas stations, transit, popular streaming services and phone plans, and 1 point per dollar on all other purchases.
If you're hoping for a stronger 0% APR promotion, however, this one offers a slightly shorter one than the Wells Fargo Reflect® Card.
Credit One Bank American Express® Credit Card
If you have fair credit, your rewards credit card options are fairly limited. The Credit One Bank American Express® Credit Card charges a modest annual fee, but it also offers 1% cash back on every purchase you make, which can help you offset the yearly charge.
You'll also get access to deals in the form of extra cash back or statement credits on dining, shopping, travel and entertainment with Amex Offers. Terms apply.
Wells Fargo Reflect® Card
If you anticipate your moving costs to be high, it could help to focus on a credit card with a long 0% intro APR promotion. The Wells Fargo Reflect® Card offers one of the longest promotions currently available, giving you plenty of time to pay off your purchases interest-free. The APR after the intro period ends is 17.74%, 24.24%, or 29.49% Variable APR.
You'll also get up to $600 in cellphone protection against damage or theft (minus a $25 deductible). You can earn cash back as an account credit when using the card for purchases with a variety of merchants through My Wells Fargo Deals.
That said, the card doesn't offer other rewards or a welcome bonus, so keep that in mind as you compare your options and their long-term value for you.
Wells Fargo Reflect® Card
APR
17.74%, 24.24%, or 29.49% Variable APR
Intro APR
Rewards
None
Intro Bonus
N/A
Annual Fee
$0
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Capital One VentureOne Rewards Credit Card
If you're making a long-distance move, you could get solid value with the Capital One VentureOne Rewards Credit Card. The card offers 5 miles per dollar on hotels and rental cars booked through Capital One Travel, and 1.25 miles per dollar on everything else.
You'll also earn 20,000 bonus miles when you spend $500 in the first 3 months—worth $200 in travel—as well as a solid introductory 0% APR on purchases and balance transfers.
Capital One VentureOne Rewards Credit Card
on Capital One's website
Recommended FICO® Score*
Capital One VentureOne Rewards Credit Card
APR
19.74% - 29.74% (Variable)
Intro APR
Rewards
1.25x Miles per dollar on every purchase, every day, 5x Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25x Miles on Every Purchase
Intro Bonus
20,000 Miles once you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Card Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
FAQ
There's no single best credit card for everyone, so it's important to consider your situation, your moving plans and other preferences. Some factors to consider include:
- Credit score: Most of the best credit cards for moving are designed for borrowers with good credit, which translates to a FICO® Score☉ of 670 or above. Check your credit score and apply for a credit card that offers good approval odds.
- Rewards rates: There are no credit cards that offer extra cash back, points or miles on general moving costs. But if you plan to spend a lot on gas, furniture or other spending categories, it could make sense to get a card that offers higher rewards on those purchases. Alternatively, you could consider a card that earns a high rewards rate on every purchase.
- Other card features: Depending on what you want out of a credit card, look at other benefits to get an idea of which one will work best for you. For example, if you plan to pay down your moving costs over time, estimate how long it'll take you and consider a 0% intro APR credit card that matches that timeline. If you plan to spend a lot, a card with a large welcome bonus could make your move more rewarding.
- Annual fee: Most of our top picks don't charge an annual fee. But depending on your situation, it could make sense to get a card with an annual fee if you can get enough value to offset that cost.
Take your time to shop around and compare several rewards credit cards to ensure you find the right fit for you.
Rewards credit cards can help you save money on your moving costs through rewards, introductory 0% APR promotions and other benefits. But while you're at it, here are some other ways you can cut costs on your move:
- Shop around for movers. Research and compare costs and services from several moving companies to get the best deal.
- Ask family and friends for help. Movers can be expensive, even if you do some of the work yourself. To maximize your savings, consider asking loved ones to help you pack up and move your belongings.
- Sell unused items. If you find items you haven't used in a long time—say, since your last move—consider selling them and putting the proceeds toward your moving expenses.
- Check for secondhand supplies. Instead of buying moving boxes and other supplies, look for free offerings on Facebook Marketplace, Nextdoor and other websites with local marketplaces.
- Set a budget. Moving can be a stressful experience, and when you're in the thick of it, it can be tempting to spend without keeping track of where your money is going. To avoid additional stress, create a budget based on your expected costs. On top of main expenses like movers and supplies, also consider whether you'll need to eat out during the process or incur other expenses you wouldn't in your normal everyday life.
If you're using a 0% intro APR credit card, divide your balance by the number of months in the promotion, then use that figure to determine your monthly payment.
If you don't have a card with an introductory APR promotion, try to pay off the balance before your monthly due date to avoid interest charges. If you can't afford to, review your budget to get an idea of how much you can put toward your debt each month and try to pay it off as quickly as possible.
In both cases, try to avoid making more purchases on the card until you've paid off your moving expenses to avoid costly interest charges.
Get Matched With Credit Cards for Moving
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