Best Balance Transfer Credit Cards

NFL Extra Points Credit Card Review

Rating: 5 Stars

Bottom Line:
For NFL Fans Who Like NFL Gear And Balance Transfers

Card Details

Regular APR:	17.49%, 22.49% or 27.49%
Intro APR (Purchases):	0% Intro APR for 6 billing cycles from the transaction date on all Qualifying NFL Team Ticket Purchases
Intro APR (Balance transfers):	0% Intro APR for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops Earn 2 points per $1 on NFL DirecTV purchases Earn 1 point per $1 on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases
Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
Exclusive NFL rewards and team experiences: redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl
Cash back or redeem points for 1% cash back, starting at 2,500 points for $25 cash back
Pick any team as your card art

Is NFL Extra Points Credit Card worth it?

NFL Extra Points Credit Card is a solid card for NFL fans. The sign up bonus of 10,000 bonus points after $500 in purchases in the first 90 days is worth $100 in statement credit. Cardholders earn 2 points per $1 on NFL and team purchases like eligible NFL tickets, in stadium, NFLShop.com, at team pro shops, and on NFL DirecTV purchases. 2 points per $1 is an average rewards rate, especially when you consider that for most people NFL purchases are not something you make everyday. However, the most valuable perk provided by NFL Extra Points Credit Card may be 20% off purchases at NFLShop.com. If you are an NFL fan or know one, this might be a great no-annual card to apply for simply for the NFL gear discount.

Pros

Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
No annual fee
Pick any team as your card art
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
0% Intro APR for 15 billing cycles for transfers in first 45 days

Cons

0% intro period on NFL ticket purchases from any participating NFL team ticket office is only 6 months
2 Points per $1, or 2%, rewards rate is average: other cards offer 1.5% or 2% cash back on all purchases

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with NFL Extra Points Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Citi Rewards+ Review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Apply Now

Card Details

Regular APR:	15.49% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
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.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year

Is Citi Rewards+ worth it?

Citi Rewards+ is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for paying for purchases over time and balance transfers with 0% Intro APR for 15 months.

Pros

0% Intro APR on purchases and balance transfers for 15 months
15,000 bonus points after you spend $1,000 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7% in USD
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	N/A
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi Rewards+

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Wells Fargo Platinum Card Review

Rating: 4 Stars

Bottom Line:
Extended Purchase and Debt Payoff

Apply Now

Card Details

Regular APR:	17.49% – 26.99% (Variable)
Intro APR (Purchases):	0% for 18 months
Intro APR (Balance transfers):	0% for 18 months on qualifying balance transfers
Rewards Rate:	N/A
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Apply and take control of your credit health with Wells Fargo?s longest intro APR
$0 Annual Fee
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 card
Easy 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
$95 annual fee.
Terms Apply.

Is Wells Fargo Platinum Card worth it?

Platinum from Wells Fargo is a great card for paying off a big purchase over time or paying down credit card debt with 0% Intro APR for 18 months on purchases and qualifying balance transfers.

Pros

0% Intro APR for 18 months on purchases and qualifying balance transfers

Cons

No rewards
Higher than average ongoing APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% for 120 days, then 5%
Cash Advance Fee	5%
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel Accident Insurance

Roadside Assistance

Travel Assistance

Get Started with Wells Fargo Platinum Card

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HSBC Gold Mastercard Review

Rating: 4 Stars

Bottom Line:
Extended Purchase Payoff Period

Apply Now

Card Details

Regular APR:	13.24%, 17.24% or 21.24% (Variable)
Intro APR (Purchases):	0% for 18 months
Intro APR (Balance transfers):	0% for 18 months
Rewards Rate:	None
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
No Penalty APR.
Late Fee Waiver.
No Foreign Transaction Fees.
$0 Annual Fee.
$0 liability for unauthorized purchases.

Is HSBC Gold Mastercard worth it?

HSBC Gold Mastercard is a great card for balance transfers and paying off big purchases over time, with a 0% Intro APR for 18 months. This card also allows one missed payment per year without charging a late fee.

Pros

0% Intro APR on purchases and balance transfers for 18 months
No annual fee

Cons

Higher than average balance transfer
No rewards

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	4% of the balance transfer amount/credit card check or $10, whichever is greater
Cash Advance Fee	4% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Get Started with HSBC Gold Mastercard

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Fifth Third Bank Truly Simple Credit Card Review

Rating: 4 Stars

Bottom Line:
Long No Interest Intro Period For Purchases and Balance Transfers And No Annual Fee

Apply Now

Card Details

Regular APR:	13.99% to 24.99% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	None
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.99%-24.99% based on your creditworthiness.
No Penalty Rate (APR) for a missed payment
No Annual Fee

Is Fifth Third Bank Truly Simple Credit Card worth it?

Fifth Third Bank Truly Simple is a simple card for cardholders looking to make a big purchase or pay off debt, with 0% Intro APR on purchases and balance transfers. The balance transfer fee is higher than average and the card does not offer rewards, but there is no annual fee.

Pros

0% for 15 months on balance transfers
No Penalty APR on missed payments
No annual fee

Cons

Foreign transaction fee
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	4% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee	5% of the amount of each transfer or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank Truly Simple

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Fifth Third Bank TRIO Credit Card Review

Rating: 4 Stars

Bottom Line:
Cash Back With A Capped Amount But Without An Annual Fee

Apply Now

Card Details

Regular APR:	16.24% to 25.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back at restaurants 2% cash back on gas, grocery store and drug store purchases (on up to $1,500 in combined qualified purchases per quarter) 1% cash back on purchases after $1,500
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
1% unlimited cash back on all other purchases
Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.99%-24.99% based on your creditworthiness
No international transaction fees on credit purchases
No Annual Fee
Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

Is Fifth Third Bank TRIO Credit Card worth it?

Fifth Third Bank TRIO is a strong card for cardholders who spend a modest amount on dining, which earns 3 cash back, and on gas, grocery stores and drugstores, which earn 2% cash back, which, together with dining, earn at their respective cash back rates up to a combined spending of $1,500 per quarter across all categories.

The value of each point is $0.01, so you receive the $100 signup bonus if you spend $1000 in the first 90 days in the form of 10,000 Rewards Points, which you can take as a $100 check or as a deposit in a Fifth Third account. For small spenders looking for cash back and perhaps a balance transfer, this is a strong card.

Pros

$100 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on balance transfers
No annual fee
No foreign transaction fee

Cons

$1,500 per quarter is a low cap for many cardholders in combined gas, grocery stores, drugstores, and dining spending
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 4% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank TRIO

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American Express Blue Cash Preferred Review

American Express Blue Cash Preferred Credit Card

Rating: 5 Stars

Bottom Line:
Superior Cash Back on Groceries

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	6% cash back at U.S. supermarkets on up to $6,000 per year, (then 1%) 6% cash back on select U.S. streaming subscriptions 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more 3% cash back at U.S. gas stations 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $300 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
New 6% Cash Back on select U.S. streaming subscriptions.
New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
$95 annual fee.
Terms Apply.

Is American Express Blue Cash Preferred worth it?

Blue Cash Preferred from American Express is simply a superior card for cardholders who spend a lot on groceries and gas.

Pros

6% cash back on up to $6,000 in purchases at U.S. supermarkets (then 1%) and on selected streaming subscriptions
3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.

Cons

Travel (flights) rewards fall in 1% cash back category
Annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the transaction amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Return Protection

Travel and Emergency Assistance

Get Started with American Express Blue Cash Preferred

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American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) 2% cash back at U.S. gas stations & select U.S. department stores 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $175 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%)
2% cash back at U.S. gas stations & select U.S. department stores
1% cash back on other purchases
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
No annual fee

Cons

Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	2% of the amount of each transaction
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance

Get Started with American Express Blue Cash Everyday

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BankAmericard Review

Rating: 4 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Apply Now

Card Details

Regular APR:	14.74% ? 24.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for balance transfers made in the first 60 days
Rewards Rate:	None
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO Score for free within Online Banking or your Mobile Banking app

Is BankAmericard worth it?

BankAmericard from Bank of America is a great card for purchases and balance transfers with 0% Intro APR for 15 billing cycles (for balance transfers made in the first 60 days). This card does not offer rewards.

Pros

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
0% Intro APR for 15 billing cycles for any purchases

Cons

No rewards

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $10, whichever is greater
Cash Advance Fee	See Terms (has exception)
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with BankAmericard

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American Express Blue Business Plus Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Points

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2X Membership Rewards points on everyday business purchases up to $50,000, then 1X.
Earn 10,000 Extra Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
Ability to spend above the credit limit with Expanded Buying Power
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% introductory APR on purchases and balance transfers for 12 months. After that your APR will be a variable rate, currently 14.74% – 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee

Is American Express Blue Business Plus worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2X Membership Rewards points on everyday business purchases up to $50,000 per calendar year, then 1X on all purchases thereafter. That means any purchase you make for your business will earn 2X points.

To earn 2X Membership Rewards points and get their face value, you must redeem them for eligible purchases, such as air, prepaid hotels, vacation packages (flight + hotel packages) or cruise reservations. Those categories cover almost everything in travel, but it’s important to note that for car reservations, non-prepaid hotels, and ticketing services, your points have half the value.

With no annual fee and a 12 month intro period on purchases and balance transfers, this may be a good card for someone starting a business who travels. This card is almost identical to American Express Blue Business Cash, except as noted it earns American Express Membership Rewards points, which have the highest value when redeemed for travel, instead of cash back.

Pros

2X Membership Rewards points on everyday business purchases up to $50,000
Allows some spending above your credit limit
No annual fee

Cons

Lower than average ongoing travel rewards rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Plus

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American Express Blue Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Is American Express Blue Business Cash worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2% cash back on eligible purchases on up to $50,000 per calendar year, then 1% on all purchases thereafter. Together with no annual fee and a 12 month intro period on purchases, this may be a good card for someone starting a business.

Pros

2% cash back on all eligible purchases on up to $50,000 per calendar year
Allows some spending above your credit limit
No annual fee

Cons

Lower than average 1% ongoing cash back rate among cash back cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Cash

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American Express Cash Magnet Credit Card Review

Rating: 5 Stars

Bottom Line:
Earn Cash Back and Pay Off Debt

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	Unlimited 1.5% cash back on your purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Unlimited 1.5% Cash Back on your purchases.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
$0 plan fees for plans set up during your first 15 months of Card Membership with Plan It, a feature that lets you split up big purchases into monthly payments with a fixed fee.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
No Annual Fee.
Terms Apply.

Is American Express Cash Magnet Credit Card worth it?

Cash Magnet from American Express is a flexible card with a simple 1.5% cash back rate on every purchase with no spending caps, as well as 0% Intro APR on purchases and balance transfers for 15 months. The $150 statement credit intro offer is straightforward too.

Pros

Intro offer that is easy to qualify for – earn $150 after first $1,000 in purchases within three months of account opening
0% for 15 months on purchases and balance transfers

Cons

Lower than average cash back rate among cash back cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	3% of the balance transfer amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with American Express Cash Magnet Credit Card

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Citi Simplicity Card Review

Citi Simplicity - No Late Fees Ever Credit Card

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Apply Now

Card Details

Regular APR:	16.24% – 26.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 21 months
Rewards Rate:	None
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No Late Fees, No Penalty Rate, and No Annual Fee Ever
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Is Citi Simplicity Card worth it?

Citi Simplicity Card is an excellent card for paying off debt with 0% Intro APR for 21 months on balance transfers. This card has no rewards.

Pros

0% Intro APR for 21 months on balance transfers
No late fees
No annual fee

Cons

No rewards
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater.
Cash Advance Fee	5% on transaction amount or $10, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Extended Warranty Program

Get Started with Citi Simplicity Card

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Chase Ink Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% unlimited cash back on all other card purchases.
Credit Needed:	(740-850) Excellent
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Cash Credit Card worth it?

Ink Business Cash from Chase is a great card for small business owners whose expenses are at least $25,000 and who spend a lot on office supplies and phone, internet, or cable TV service. These categories receive 5% cash back on the first $25,000 spent.

Pros

Intro bonus of $500 after you spend $3,000 on purchases in first 90 days from account opening
Free employee cards
No foreign transaction fees
No annual fee
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

5% and 2% cash back rates are capped at $25,000 in combined purchases
Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Cash Credit Card

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Capital One Quicksilver Cash Rewards Credit Card Review

Rating: 5 Stars

Bottom Line:
Simple Cash Back With No Annual Fee

Apply Now

Card Details

Regular APR:	16.24% – 26.24% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	Earn unlimited 1.5% cash back on every purchase
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24% – 26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24% – 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees

Is Capital One Quicksilver Cash Rewards Credit Card worth it?

Quicksilver Cash Rewards from Capital One is a great card with an ongoing 1.5% cash back rate across all spending categories and no annual fee.

Pros

Simple flat-rate cash back of 1.5% on all purchases
$150 one-time cash bonus after you spend $500 on purchases within 3 months of account opening
No annual fee
No foreign transaction fee

Cons

Does not offer higher rewards in one category vs. another category – no rotating high cash back opportunities

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3%
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Capital One Quicksilver Cash Rewards Credit Card

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