Credit and Debit Card Ratings

Best Zero Interest Balance Transfer Credit Cards with No Transfer Fee

Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc. Your input is invaluable and we’d love to have your opinion as to what are the top rated 0% balance transfer credit cards (see below) – this site is powered by you!
Unlike almost all card comparison sites that only list cards that advertise with them, 85% of the cards on our site don’t pay us a dime.

(Please see link below to 2025 balance transfer offers and note that this page is only kept active for historical purposes as it was published in 2017.)

 

Whether you are looking for a break from current interest rates with a 0% APR for only 6 months or up to 18 or 21 months, you will find our current 2025 offers here you will find our current 2025 offers here.

We also have a few very rare no fee balance transfer (BT) Zero or 0% offers for up to 15 months below. Also, one offer is as low as 3.25% for 3 years and another is as low as 6.9% for the life of the transfer (no expiration!). None of these offers advertise with us.

Depending on your situation, you might be better off paying a fee if you can get an offer that lasts 21 months (see link above). You just have to do the math and figure out realistically how long it’s going to take you to pay off the balance that you transfer. 🙂

Questions or Concerns? Please feel free to post at the bottom of this page in the customer or cardholder reviews section and an expert will typically reply within 24 hours (and read reviews from other consumers)!

The bottom line is that if you are looking at financing some expenses and already are carrying around some debt, a balance transfer credit card can be a great move in 2020.  If you would like to pay off a new purchase, take a look at some of the 0% APR purchase offers noted below as well (none of which charge fees).

Please note that while offers are not in ranking order, our favorite no transfer fee offers have 3 asterisks (***) beside them and all are screened carefully by our editors.

Citi Diamond- 0% for 18 Months and Citi Simplicity® Cards – 0% for 18 Months

Citi offers two notable balance transfer cards. The Citi® Diamond Preferred® Card offers a concierge service for those who are looking for help making travel and entertainment arrangements.

Both cards offer a zero or 0.00% APR on balance transfers and purchases with no annual fee. Diamond offers 0% on transfers for 18 months (and 0% for 18 months on purchases) and Simplicity offers 0% on balance transfers for 18 months (and 0% for 18 months on purchases).

All transfers must be completed in first 4 months of card membership. The upfront balance transfer fee is $5 or 5% whichever is greater (which is higher than the normal 3% charge). After the promotional period expires, the Simplicity rate changes to 14.74% – 24.74% and the Diamond card will range from 12.9% to 24.74%.

Both of these are variable rates, so as the Prime Rate moves, so will these rates. Citi Simplicity is famous for its “no-fees” approach. They are the only card with no late fees, no penalty rates and no annual fees.
If avoiding fees is one of your high priorities, this may be a card to consider. Learn more about this card offer and compare this card with other 0% APR cards here that may have lower balance transfer fees. (Sponsor Link)

Whether you are looking for a break from current interest rates with a 0% APR for only 6 months or up to 18 or 21 months, you will find our current 2025 offers here you will find our current 2025 offers here.

The Blue Cash EveryDay® Card from American Express*** (Non Advertiser)
The Blue Cash EveryDay® Card from American Express offers a 0% APR for 15 months on balance transfers and purchases. The go to rate is 12.99% to 23.99% depending on your credit rating. 3% balance transfer fee.

May 2020 Update! The following American Express Everyday Card offer appears to no longer be available. Please post below if you have any information.

The American Express Everyday Card (different card offer) also features a 0% intro APR on purchases and balance transfers for 15 months, then a variable APR from 13.99% to 24.99% (same ongoing purchase rate as Blue Cash Every Day) with $0 aka No Balance Transfer Fee (Balance transfers must be requested within 60 days of account opening). Click to compare the AMEX Blue Cash Everyday® with other 0% APR cards that are up to 21 months (6 months longer than this card) (Sponsor Link)

TruWest Cards Platinum Visa Regional Offer (Non Advertiser)

VIEW OF OUR BEST CARDS
FOR BUILDING OR REBUILDING YOUR CREDIT HERE!

If you’re in their service area, which includes Arizona and Austin, Texas, TruWest Credit Union offers a 0.00% APR on both purchases and balance transfers for 18 months. This comes with a 3% transfer fee, and if you qualify, a rewards program that can net points that you can turn into travel, gift cards, or up to 1.5% cash back (though we don’t normally suggest using a card for rebates if you do a balance transfer).

You can transfer debt from department store cards and other financial institutions (other than credit card issuers) using the 18 month offer – not every issuer will let you do this (Chase for example only allows you to transfer credit card debt in certain situations).

The variable purchase rates will be used after the promotional period expires and are as low as 6.95% up to 20.95% depending on your credit-worthiness. Also, since this card is from a credit union, you must join the credit union before you can apply (assuming your eligible to join). Compare the TruWest card with other 0% APR cards here that are up to 21 months (3 months longer than this offer). (Sponsor Link)

Citizen’s Bank Clear Value MasterCard– 0% for 18 Months (Non Advertiser)

Citizen’s Bank, headquartered in Providence, Rhode Island, offers 0% on balance transfers (no special pricing rate on purchases) for 18 months from the account opening date on their Citizens Bank Clear Value® MasterCard®. There is a standard 3% balance transfer fee.

Afterwards, the rate changes to 14.99%-22.99% based on your creditworthiness and the rate will vary based on LIBOR, which is the he London Inter-bank Offered Rate (and is not based on Federal Reserve prime rate that almost all cards use). The card is available nationwide and you can apply online or by phone (you can apply in person at one of their branches in the Northeastern part of the country). Click here to compare the Citizens Bank card with other 0% APR cards here that up to 21 months (3 months longer than Citizens offer). (Sponsor Link)
Capital One Quicksilver Cash Rewards Card – 0% Intro APR for 15 Months (Non Advertiser)
This 0% cash back card offers a one-time $150 cash rebate bonus after you spend $500 on purchases within 3 months of opening your account (though we do NOT suggest using a card for purchases after you transfer a balance to it).

Read Customer Complaints and Reviews Below!
And Share Your Rating and Review to Help Others!

With the Capital One® Quicksilver® MasterCard, enjoy a 0% rate on purchases and balance transfers for 15 months (15.49%-25.49% variable APR after that)- 3% transfer fee applies. Click here to compare this card with other 0% APR cards that last up to 21 months (6 months longer than Capital One). (Sponsor Link)

Chase Freedom 0% for 15 Months on Purchases and Transfers (Non Advertiser)
Features a 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% to 23.74%. Balance transfer fee is 3% of the amount transferred (3% is a typical fee), $5 minimum. Please note that the intro Balance Transfer 3% Fee is only available for the first 60 days after you apply- it goes up to a 5% fee after 60 days.

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening (please note even though the 0% rate applies to purchases as well, we generally don’t recommend making new purchases on this card if you do a balance transfer as the goal is to lower your debt). Learn more about this card offer and to compare it to similar 0% intro or teaser rate offers that last longer (up to 21 months). (Sponsor Link)

HSBC Gold Mastercard® Credit Card – 0% for 18 Months (Non Advertiser)

HSBC offers a zero or 0% on both purchases and balance transfers for 18 months from the account opening date on their HSBC Gold Mastercard® credit card. There is a balance transfer fee of 4% or $10, whichever is greater.
Like most 0% offers, you should not apply if your credit is bad.
This particular offer is best for those with a credit score 660+.
Afterwards, the ongoing rate changes to 14.49%, 18.49% or 24.49% based on your creditworthiness. The APRs will vary with the market based on the Prime Rate. The card is available nationwide and you can easily apply online. HSBC also offers other cards with 0% APR introductory offers balance transfers and purchases. Also features a Late Fee Waiver (unique benefit) and no penalty APR if you’re late on a payment.

Click here to compare the HSBC Gold Card to other Balance Transfer Cards that offer terms up to 21 months (3 months longer than the Gold MasterCard) (Sponsor Link)

The BankAmericard® Credit Card– 0% for 15 months on Purchases and Transfers (Non Advertiser)

The BankAmericard® credit card (MasterCard) is a balance transfer credit card offer worth considering if you aren’t a Bank of America customer (anyone can apply as long as your credit is good). It features a 0% introductory APR on both purchases and balance transfers for 15 billing cycles (for the first 60 days your account is open).
A 3% balance transfer fee applies (minimum of $10), which is typical for most similar offers. It can make sense to pay this fee because few 0% offers last for 18 months (most are 12 months in length).
The regular purchase APR after the introductory rate expires is between 14.49% – 24.49% variable. Also, BofA has No Penalty APR – meaning that if you make a payment late, it won’t automatically increase your interest rate (APR). However, please note that you can lose your balance transfer promo rate if you default on your account. One nice cardholder perk is that you will get your FICO® Credit Score for free (though many card issuers offer this same benefit now). Compare the Bank of America offer with other 0% APR cards from other card issuers.

Expert Commentary: We asked Steve Rhode, the founder of GetOutofDebt.org, and he provided some wise advice on balance transfers. “All balance transfer offers need to first be evaluated in context. These are marketing offers designed to induce you over to a new account or creditor in hope you will carry a balance past the introductory period and have to pay interest on the remaining balance. The smart financial move here is to repay the full balance before the introductory period ends, if possible.“

Discover it® – 0% for 14 Month Balance Transfer Offer* (Non Advertiser)
The Discover it card has an offer to transfer balances with a 0.00% interest rate for 14 months (online application link) and also offers 0.00% on new purchases for 14 months. This card comes with an intro 3% balance transfer fee until April 10, 2020, then goes up to 5%. After 14 months, the rate will vary from 13.49% – 24.49%. Click here to “Learn More” about this card.
Other benefits include cash back rewards, the lack of an annual fee, no foreign transaction fees, and a report of your FICO credit score on every bill. If you’re making a concerted effort to get your financial house in order, this card is a tremendous tool to have.

Santander Sphere 0% 18 Month – Regional Offer (Non Advertiser)
As you might expect, the Santander Sphere® 18 Month offer is a 0.00% APR on balance transfers for a full 18 months provided the transfer is made within 90 days of opening the account. The downside of this offer is a slightly larger balance transfer fee.
For most cards, the fee is 3%, but for the Santander Sphere, it’s 4%. For many, the extra three months of no interest will be well worth paying an additional percentage point in fees. After the promotional rate expires, remaining balances will shift to the current variable purchase rate which is 14.49% to 24.49% pending creditworthiness. Later on, we’ll show you how to use an online balance transfer savings calculator to see where you stand.
In addition, Santander is one of the relative few balance transfer cards that offers a rewards program. They offer one point per dollar spent, and points can be exchanged for travel, gift cards, or cash back. They also offer 0% for 18 months on purchases. Cards are available nationally, but you must apply in person at a local branch. All branches are located in the Northeastern United States.

Consumer Experience:We spoke with a retired teacher with over $50,000 in credit card debt. “When I was thinking of transferring, I was looking at offers no longer than 12 months. I was afraid I could not pay it off in 12 months, so I did nothing. On hindsight, even if I did not have it all paid off before the intro time period ended, I still could have possibly saved thousands in interest during that time.”

SunTrust Prime Rewards Card– 3.25% for 36 Months (Non Advertiser)
The 3 year term offer is much longer than the typical 0% offer and has become more appealing as the prime rate has dropped in the past year. The prime rate is currently 3.25%. So, new cardholders will enjoy 3 years at an intro APR of 3.25% with the Prime Rewards Card on balance transfers made in the first 60 days.
U.S. Bank Platinum Visa® – 20 Months (Non Advertiser)
Enjoy a special 0% introductory APR* on purchases and balance transfers for 20 billing cycles and thereafter, a variable APR applies, currently 13.99% – 23.99%. Fee is 3% of the amount of each transfer or $5 minimum, whichever is greater. As an added benefit, cardmembers enrolled in online banking can obtain their TransUnion® Credit Score at no cost.

Other Cards to Consider (Non Advertisers):
Although not a zero or 0% APR, great savings for the long-term can be found with a card from NASA Federal Credit Union* (anyone can join this credit union). They offer three different cards that offer as low as 6.9% – 17.99% APR (your rate will depend on your application screening) on balance transfers for the LIFE of the balance (rate will not go up as long your account is in good standing!) with no balance transfer fee. You have to complete the transfer within 90-days of opening your account and your ongoing purchase rate will be based on creditworthiness). After three years if you qualified for a 9.9%, that would be a savings of $3,408 on a $16,000 balance with no balance transfer fee up front. Simmons Bank* in Arkansas also offers a 0% balance transfer rate for 12 months (3% fee) with their Visa Platinum card. After the introductory 12 months 0% APR, the rate goes to a low 8.25% (Non Advertiser) and NO balance transfer fee. This card is available nationally, but you need good to excellent credit to qualify.
Finally, Navy Federal CU (non advertiser) offers a 0% rate on its Platinum Visa for 12 months on balance transfers with no fee. After that, the rate goes to 7.49% – 18.00% depending on your credit rating and application review.
The only downside is that you must have a military affiliation to apply for their card as Navy Federal is a credit union. Also, please note that Navy Federal can only accepts balance transfers from other card-issuer accounts – balances from other creditors are not eligible for this offer.

The Feds Recently Cut Rates
Credit card interest rates have been steadily rising since late 2016, but the good news for consumers is that the Feds just cut rates significantly due to the Covid 19 health crisis. This will lower the purchase APR rates on all credit cards, including the ongoing rates after the introductory rates expire on balance transfer offers (the go to rate after a 0% rate ends).
Unfortunately, this rate cut may NOT result in any more 0% offers than are currently available (and we may see less 0% offers as the economy is hurting) and may not result in longer term introductory offers (how long the intro rate lasts). We will have to wait and see. 🙂
According to experts, the possibility for additional rate hikes in 2020 from current levels is not likely, but could still happen. The bigger risk in our opinion is less 0% offers and credit card companies getting more strict regarding who they approve (making it harder to qualify for a good 0% offer unless your credit is really good- 700+ range). If you have a significant credit card balance, even a small rate increase can represent a much larger payment or longer payment period.
Transferring your debt into a single or multiple balance transfer cards can be an excellent move to lock in low rates and protect yourself against these rate increases. Above we list some of the longest balance transfer cards, which are at least 15 months in duration. Our partner site offers a more comprehensive comparison of 0% balance transfer offers that are less than 15 months*, including a few no fee 0% cards (no balance transfer fee).
Above, we will share some of our favorite no interest credit card balance transfer offers with you. With the prospect of higher interest rates, now is the best time to transfer balances from high interest credit cards and consolidate to a card with a 0% APR introductory time period. Imagine the interest savings going from 13 to 20%+ down to 0% on existing balances for 12 to up to 18 months.
We wish you well in your card research and selection and sincerely hope that you realize true savings as you pay your balance down through 2020. Click here for more information, including tips and tricks regarding balance transfer credit cards.
Balance Transfer Cards 101
The general premise behind balance transfer cards is simple. They will allow you to transfer your balance from other credit cards—for a relatively small one-time fee (typically 3%)—and give you a 0.00% interest rate on your balance transfer for several months (typically for 6 to 12 months). They’re betting that you will either not pay off the entire balance in time, or that you will make new purchases that will be subject to interest charges.
Still, if you’re disciplined, one of these cards can make a big difference in your financial picture. Here’s a test. Take your last credit card statement and look at how much of your payment went to your principal and how much went to interest. Now imagine if the entire payment went towards your principal. If you get a sick feeling in your stomach, you’ll want to investigate these cards.

Below, we will answer some typical questions posed regarding balance transfer or 0% APR credit cards.

Please note that we have been in a rising rate environment for the last couple of years or so, but fortunately the Feds cut rates recently by .25% three times (at the end July and in Sept and Oct of last year). But no one knows whether rates will go up or down going forward. As a result, we advise that you lock in a 0% balance transfer rate now as they may become more scarce going forward. Be sure to share balance transfer tips and read tips from other consumers at the bottom of this page
What is the definition of 0% Intro APR?
This is an introductory offer provided by the card issuer for a set amount of time where a 0% interest rate is applied to either a balance or balances transferred or to future purchases. Most offers are for balance transfers, but there are also offers for 0% APR for purchases for a set amount of time. Most time periods range between 12 and 21 months on 0% offers.
What exactly is a 0% APR credit card?
A 0% APR credit card is a card that is offering a 0% rate on balance transfers and/or purchases for a set period of time. Although many offers are for one or the other, you can find offers where both balance transfers and purchases are offered for an introductory 0% APR interest rate. These cards are great for transferring one or more balances from existing credit cards, effectively paying off those cards and consolidating that debt into one payment. You may also hear about zero interest credit cards, which is just another way of referring to a 0% APR credit card.
What is the national average interest rate for credit cards?
At the time of this writing, according to federal reserve data dated for November 2019, the national average interest rate for credit cards (all accounts) for purchases is 14.87 percent and those with assessed interest average to 16.88%.
According to a study by Gobankingrates.com, credit card rates tend to fall between an average of 11 and 17 percent currently with student credit cards, balance transfer and low-interest cards offering the lowest rates. On the low end, you may find rates as low as 7.24% or on the higher end of the spectrum, you can see rates as high as 23-29%.
What is a go-to rate?
A go-to rate is the interest rate offered for purchases or balance transfers after the introductory time period is over. This is typically the purchase APR or purchase rate for the credit card. If you received 12 interest-free months at 0% APR, when that period ended, your remaining balance would then be charged interest at the current purchase rate. This typically averages between 11 and 17 percent based on your credit score and the type of credit card. Lower credit scores will typically have higher purchase rates.
How do you choose the best 0% APR offer?
This entirely depends on your situation and how you need to use the 0% offer. For example, if you currently have $10,000 in debt on credit cards at 17.99%, it might be in your best interest to transfer that debt to a card offering a 0% balance transfer offer for 12-21 months, especially if you think you can pay it off during that time period. If, on the other hand, you know you have large purchase you need to make, you may want a credit card offering a 0% APR for purchases for the longest time you can find.
One key thing to take into account when transferring a balance from existing cards is the balance transfer fee. Most nationally available cards have between a 3% and 5% balance transfer fee, with a minimum of $5 or $10, whichever is greater. Overall, you can find $0 or free balance transfer fees up to 5%, depending on the card and the issuer. Be sure to note what that fee is before transferring a balance. One other thing to note is whether there is an annual fee. Most cards do not have an annual fee, but it never hurts to check before you apply.
Online Balance Transfer Calculator
The devil, as they say, is in the details, and the details of your financial situation aren’t necessarily going to be the same as those of anyone else. As a result, we recommend using an online Balance Transfer Calculator to calculate just which card is going to be the most useful for your situation.
According to a 2016 American Credit Card Debt Study, a typical American family carrying balances on credit cards has about $16,000 of credit card debt with an average interest rate of 15%.

Transferring that debt to a card with a 0.00% APR for 18 months with a 15% APR after the introductory period would cost $480 for the standard 3% transfer fee, but would save $3,120, overall a savings of $2,640.

If you don’t think you can pay off your entire debt in the introductory period, getting a lower interest rate after the introductory period can produce wonders. For example, that average family with $16,000 in credit card debt paying a 15% APR would see $3,203 in savings during the introductory period with a credit card that features a 4.99% transfer APR for 24 months and no transfer fee. Assuming a $5,000 remaining balance and a 9.99% post-promotion rate, the family could also save an additional $250 on interest the first year after the introductory period is over.

Other Related Articles:

The 12 Best Balance Transfer Credit Card Offers: Longest Terms

Should You Apply For A No Interest Balance Transfer Credit Card Or A Store Card

Our Ratings/Disclaimer:

When reviewing these cards, we do our best to put ourselves in your shoes. We choose cards based on such things as maximizing savings through promotional interest-free periods, (lack of) fees, finance charges and ease of use. In other words, if we wouldn’t use these cards ourselves, we wouldn’t recommend them!

  • NOTE: We are proud that the majority of cards that we list (about 60%) are cards that don’t advertise with us― almost all of our competitors ONLY list cards that advertise with them. About 40% of the credit card offers that appear in this article are from credit card companies from which we receive financial compensation (these cards are listed as such on our site). They are noted above with an asterisk.

The bottom line is that we don’t know of another site that prominently lists as many non-advertiser cards! Please note that rates are current as of the publishing date of this article and should be verified prior to applying.

Co-written by Curtis Arnold, a nationally recognized consumer advocate and founder of CardRatings.com, the pioneering website that started posting the first credit card ratings online around 20 years ago, and Shane Tripcony, personal finance blogger and web marketing consultant. Curtis and Shane are the founders of BestPrepaidDebitCards.com, which provides ratings and reviews of prepaid cards and credit cards.

Please note: “The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.”

Please read and share your customer or cardholder reviews of the best 0% BT offers below.

Author: Shane Tripcony

  • Best Zero Interest Balance Transfer Credit Cards with No Transfer Fee

    Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc. Your input is invaluable and we’d love to have your opinion as to what are the top rated 0% balance transfer credit cards (see below) – this site is powered by you!
    Unlike almost all card comparison sites that only list cards that advertise with them, 85% of the cards on our site don’t pay us a dime.

    (Please see link below to 2025 balance transfer offers and note that this page is only kept active for historical purposes as it was published in 2017.)

     

    Whether you are looking for a break from current interest rates with a 0% APR for only 6 months or up to 18 or 21 months, you will find our current 2025 offers here you will find our current 2025 offers here.

    We also have a few very rare no fee balance transfer (BT) Zero or 0% offers for up to 15 months below. Also, one offer is as low as 3.25% for 3 years and another is as low as 6.9% for the life of the transfer (no expiration!). None of these offers advertise with us.

    Depending on your situation, you might be better off paying a fee if you can get an offer that lasts 21 months (see link above). You just have to do the math and figure out realistically how long it’s going to take you to pay off the balance that you transfer. 🙂

    Questions or Concerns? Please feel free to post at the bottom of this page in the customer or cardholder reviews section and an expert will typically reply within 24 hours (and read reviews from other consumers)!

    The bottom line is that if you are looking at financing some expenses and already are carrying around some debt, a balance transfer credit card can be a great move in 2020.  If you would like to pay off a new purchase, take a look at some of the 0% APR purchase offers noted below as well (none of which charge fees).

    Please note that while offers are not in ranking order, our favorite no transfer fee offers have 3 asterisks (***) beside them and all are screened carefully by our editors.

    Citi Diamond- 0% for 18 Months and Citi Simplicity® Cards – 0% for 18 Months

    Citi offers two notable balance transfer cards. The Citi® Diamond Preferred® Card offers a concierge service for those who are looking for help making travel and entertainment arrangements.

    Both cards offer a zero or 0.00% APR on balance transfers and purchases with no annual fee. Diamond offers 0% on transfers for 18 months (and 0% for 18 months on purchases) and Simplicity offers 0% on balance transfers for 18 months (and 0% for 18 months on purchases).

    All transfers must be completed in first 4 months of card membership. The upfront balance transfer fee is $5 or 5% whichever is greater (which is higher than the normal 3% charge). After the promotional period expires, the Simplicity rate changes to 14.74% – 24.74% and the Diamond card will range from 12.9% to 24.74%.

    Both of these are variable rates, so as the Prime Rate moves, so will these rates. Citi Simplicity is famous for its “no-fees” approach. They are the only card with no late fees, no penalty rates and no annual fees.
    If avoiding fees is one of your high priorities, this may be a card to consider. Learn more about this card offer and compare this card with other 0% APR cards here that may have lower balance transfer fees. (Sponsor Link)

    Whether you are looking for a break from current interest rates with a 0% APR for only 6 months or up to 18 or 21 months, you will find our current 2025 offers here you will find our current 2025 offers here.

    The Blue Cash EveryDay® Card from American Express*** (Non Advertiser)
    The Blue Cash EveryDay® Card from American Express offers a 0% APR for 15 months on balance transfers and purchases. The go to rate is 12.99% to 23.99% depending on your credit rating. 3% balance transfer fee.

    May 2020 Update! The following American Express Everyday Card offer appears to no longer be available. Please post below if you have any information.

    The American Express Everyday Card (different card offer) also features a 0% intro APR on purchases and balance transfers for 15 months, then a variable APR from 13.99% to 24.99% (same ongoing purchase rate as Blue Cash Every Day) with $0 aka No Balance Transfer Fee (Balance transfers must be requested within 60 days of account opening). Click to compare the AMEX Blue Cash Everyday® with other 0% APR cards that are up to 21 months (6 months longer than this card) (Sponsor Link)

    TruWest Cards Platinum Visa Regional Offer (Non Advertiser)

    VIEW OF OUR BEST CARDS
    FOR BUILDING OR REBUILDING YOUR CREDIT HERE!

    If you’re in their service area, which includes Arizona and Austin, Texas, TruWest Credit Union offers a 0.00% APR on both purchases and balance transfers for 18 months. This comes with a 3% transfer fee, and if you qualify, a rewards program that can net points that you can turn into travel, gift cards, or up to 1.5% cash back (though we don’t normally suggest using a card for rebates if you do a balance transfer).

    You can transfer debt from department store cards and other financial institutions (other than credit card issuers) using the 18 month offer – not every issuer will let you do this (Chase for example only allows you to transfer credit card debt in certain situations).

    The variable purchase rates will be used after the promotional period expires and are as low as 6.95% up to 20.95% depending on your credit-worthiness. Also, since this card is from a credit union, you must join the credit union before you can apply (assuming your eligible to join). Compare the TruWest card with other 0% APR cards here that are up to 21 months (3 months longer than this offer). (Sponsor Link)

    Citizen’s Bank Clear Value MasterCard– 0% for 18 Months (Non Advertiser)

    Citizen’s Bank, headquartered in Providence, Rhode Island, offers 0% on balance transfers (no special pricing rate on purchases) for 18 months from the account opening date on their Citizens Bank Clear Value® MasterCard®. There is a standard 3% balance transfer fee.

    Afterwards, the rate changes to 14.99%-22.99% based on your creditworthiness and the rate will vary based on LIBOR, which is the he London Inter-bank Offered Rate (and is not based on Federal Reserve prime rate that almost all cards use). The card is available nationwide and you can apply online or by phone (you can apply in person at one of their branches in the Northeastern part of the country). Click here to compare the Citizens Bank card with other 0% APR cards here that up to 21 months (3 months longer than Citizens offer). (Sponsor Link)
    Capital One Quicksilver Cash Rewards Card – 0% Intro APR for 15 Months (Non Advertiser)
    This 0% cash back card offers a one-time $150 cash rebate bonus after you spend $500 on purchases within 3 months of opening your account (though we do NOT suggest using a card for purchases after you transfer a balance to it).

    Read Customer Complaints and Reviews Below!
    And Share Your Rating and Review to Help Others!

    With the Capital One® Quicksilver® MasterCard, enjoy a 0% rate on purchases and balance transfers for 15 months (15.49%-25.49% variable APR after that)- 3% transfer fee applies. Click here to compare this card with other 0% APR cards that last up to 21 months (6 months longer than Capital One). (Sponsor Link)

    Chase Freedom 0% for 15 Months on Purchases and Transfers (Non Advertiser)
    Features a 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% to 23.74%. Balance transfer fee is 3% of the amount transferred (3% is a typical fee), $5 minimum. Please note that the intro Balance Transfer 3% Fee is only available for the first 60 days after you apply- it goes up to a 5% fee after 60 days.

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening (please note even though the 0% rate applies to purchases as well, we generally don’t recommend making new purchases on this card if you do a balance transfer as the goal is to lower your debt). Learn more about this card offer and to compare it to similar 0% intro or teaser rate offers that last longer (up to 21 months). (Sponsor Link)

    HSBC Gold Mastercard® Credit Card – 0% for 18 Months (Non Advertiser)

    HSBC offers a zero or 0% on both purchases and balance transfers for 18 months from the account opening date on their HSBC Gold Mastercard® credit card. There is a balance transfer fee of 4% or $10, whichever is greater.
    Like most 0% offers, you should not apply if your credit is bad.
    This particular offer is best for those with a credit score 660+.
    Afterwards, the ongoing rate changes to 14.49%, 18.49% or 24.49% based on your creditworthiness. The APRs will vary with the market based on the Prime Rate. The card is available nationwide and you can easily apply online. HSBC also offers other cards with 0% APR introductory offers balance transfers and purchases. Also features a Late Fee Waiver (unique benefit) and no penalty APR if you’re late on a payment.

    Click here to compare the HSBC Gold Card to other Balance Transfer Cards that offer terms up to 21 months (3 months longer than the Gold MasterCard) (Sponsor Link)

    The BankAmericard® Credit Card– 0% for 15 months on Purchases and Transfers (Non Advertiser)

    The BankAmericard® credit card (MasterCard) is a balance transfer credit card offer worth considering if you aren’t a Bank of America customer (anyone can apply as long as your credit is good). It features a 0% introductory APR on both purchases and balance transfers for 15 billing cycles (for the first 60 days your account is open).
    A 3% balance transfer fee applies (minimum of $10), which is typical for most similar offers. It can make sense to pay this fee because few 0% offers last for 18 months (most are 12 months in length).
    The regular purchase APR after the introductory rate expires is between 14.49% – 24.49% variable. Also, BofA has No Penalty APR – meaning that if you make a payment late, it won’t automatically increase your interest rate (APR). However, please note that you can lose your balance transfer promo rate if you default on your account. One nice cardholder perk is that you will get your FICO® Credit Score for free (though many card issuers offer this same benefit now). Compare the Bank of America offer with other 0% APR cards from other card issuers.

    Expert Commentary: We asked Steve Rhode, the founder of GetOutofDebt.org, and he provided some wise advice on balance transfers. “All balance transfer offers need to first be evaluated in context. These are marketing offers designed to induce you over to a new account or creditor in hope you will carry a balance past the introductory period and have to pay interest on the remaining balance. The smart financial move here is to repay the full balance before the introductory period ends, if possible.“

    Discover it® – 0% for 14 Month Balance Transfer Offer* (Non Advertiser)
    The Discover it card has an offer to transfer balances with a 0.00% interest rate for 14 months (online application link) and also offers 0.00% on new purchases for 14 months. This card comes with an intro 3% balance transfer fee until April 10, 2020, then goes up to 5%. After 14 months, the rate will vary from 13.49% – 24.49%. Click here to “Learn More” about this card.
    Other benefits include cash back rewards, the lack of an annual fee, no foreign transaction fees, and a report of your FICO credit score on every bill. If you’re making a concerted effort to get your financial house in order, this card is a tremendous tool to have.

    Santander Sphere 0% 18 Month – Regional Offer (Non Advertiser)
    As you might expect, the Santander Sphere® 18 Month offer is a 0.00% APR on balance transfers for a full 18 months provided the transfer is made within 90 days of opening the account. The downside of this offer is a slightly larger balance transfer fee.
    For most cards, the fee is 3%, but for the Santander Sphere, it’s 4%. For many, the extra three months of no interest will be well worth paying an additional percentage point in fees. After the promotional rate expires, remaining balances will shift to the current variable purchase rate which is 14.49% to 24.49% pending creditworthiness. Later on, we’ll show you how to use an online balance transfer savings calculator to see where you stand.
    In addition, Santander is one of the relative few balance transfer cards that offers a rewards program. They offer one point per dollar spent, and points can be exchanged for travel, gift cards, or cash back. They also offer 0% for 18 months on purchases. Cards are available nationally, but you must apply in person at a local branch. All branches are located in the Northeastern United States.

    Consumer Experience:We spoke with a retired teacher with over $50,000 in credit card debt. “When I was thinking of transferring, I was looking at offers no longer than 12 months. I was afraid I could not pay it off in 12 months, so I did nothing. On hindsight, even if I did not have it all paid off before the intro time period ended, I still could have possibly saved thousands in interest during that time.”

    SunTrust Prime Rewards Card– 3.25% for 36 Months (Non Advertiser)
    The 3 year term offer is much longer than the typical 0% offer and has become more appealing as the prime rate has dropped in the past year. The prime rate is currently 3.25%. So, new cardholders will enjoy 3 years at an intro APR of 3.25% with the Prime Rewards Card on balance transfers made in the first 60 days.
    U.S. Bank Platinum Visa® – 20 Months (Non Advertiser)
    Enjoy a special 0% introductory APR* on purchases and balance transfers for 20 billing cycles and thereafter, a variable APR applies, currently 13.99% – 23.99%. Fee is 3% of the amount of each transfer or $5 minimum, whichever is greater. As an added benefit, cardmembers enrolled in online banking can obtain their TransUnion® Credit Score at no cost.

    Other Cards to Consider (Non Advertisers):
    Although not a zero or 0% APR, great savings for the long-term can be found with a card from NASA Federal Credit Union* (anyone can join this credit union). They offer three different cards that offer as low as 6.9% – 17.99% APR (your rate will depend on your application screening) on balance transfers for the LIFE of the balance (rate will not go up as long your account is in good standing!) with no balance transfer fee. You have to complete the transfer within 90-days of opening your account and your ongoing purchase rate will be based on creditworthiness). After three years if you qualified for a 9.9%, that would be a savings of $3,408 on a $16,000 balance with no balance transfer fee up front. Simmons Bank* in Arkansas also offers a 0% balance transfer rate for 12 months (3% fee) with their Visa Platinum card. After the introductory 12 months 0% APR, the rate goes to a low 8.25% (Non Advertiser) and NO balance transfer fee. This card is available nationally, but you need good to excellent credit to qualify.
    Finally, Navy Federal CU (non advertiser) offers a 0% rate on its Platinum Visa for 12 months on balance transfers with no fee. After that, the rate goes to 7.49% – 18.00% depending on your credit rating and application review.
    The only downside is that you must have a military affiliation to apply for their card as Navy Federal is a credit union. Also, please note that Navy Federal can only accepts balance transfers from other card-issuer accounts – balances from other creditors are not eligible for this offer.

    The Feds Recently Cut Rates
    Credit card interest rates have been steadily rising since late 2016, but the good news for consumers is that the Feds just cut rates significantly due to the Covid 19 health crisis. This will lower the purchase APR rates on all credit cards, including the ongoing rates after the introductory rates expire on balance transfer offers (the go to rate after a 0% rate ends).
    Unfortunately, this rate cut may NOT result in any more 0% offers than are currently available (and we may see less 0% offers as the economy is hurting) and may not result in longer term introductory offers (how long the intro rate lasts). We will have to wait and see. 🙂
    According to experts, the possibility for additional rate hikes in 2020 from current levels is not likely, but could still happen. The bigger risk in our opinion is less 0% offers and credit card companies getting more strict regarding who they approve (making it harder to qualify for a good 0% offer unless your credit is really good- 700+ range). If you have a significant credit card balance, even a small rate increase can represent a much larger payment or longer payment period.
    Transferring your debt into a single or multiple balance transfer cards can be an excellent move to lock in low rates and protect yourself against these rate increases. Above we list some of the longest balance transfer cards, which are at least 15 months in duration. Our partner site offers a more comprehensive comparison of 0% balance transfer offers that are less than 15 months*, including a few no fee 0% cards (no balance transfer fee).
    Above, we will share some of our favorite no interest credit card balance transfer offers with you. With the prospect of higher interest rates, now is the best time to transfer balances from high interest credit cards and consolidate to a card with a 0% APR introductory time period. Imagine the interest savings going from 13 to 20%+ down to 0% on existing balances for 12 to up to 18 months.
    We wish you well in your card research and selection and sincerely hope that you realize true savings as you pay your balance down through 2020. Click here for more information, including tips and tricks regarding balance transfer credit cards.
    Balance Transfer Cards 101
    The general premise behind balance transfer cards is simple. They will allow you to transfer your balance from other credit cards—for a relatively small one-time fee (typically 3%)—and give you a 0.00% interest rate on your balance transfer for several months (typically for 6 to 12 months). They’re betting that you will either not pay off the entire balance in time, or that you will make new purchases that will be subject to interest charges.
    Still, if you’re disciplined, one of these cards can make a big difference in your financial picture. Here’s a test. Take your last credit card statement and look at how much of your payment went to your principal and how much went to interest. Now imagine if the entire payment went towards your principal. If you get a sick feeling in your stomach, you’ll want to investigate these cards.

    Below, we will answer some typical questions posed regarding balance transfer or 0% APR credit cards.

    Please note that we have been in a rising rate environment for the last couple of years or so, but fortunately the Feds cut rates recently by .25% three times (at the end July and in Sept and Oct of last year). But no one knows whether rates will go up or down going forward. As a result, we advise that you lock in a 0% balance transfer rate now as they may become more scarce going forward. Be sure to share balance transfer tips and read tips from other consumers at the bottom of this page
    What is the definition of 0% Intro APR?
    This is an introductory offer provided by the card issuer for a set amount of time where a 0% interest rate is applied to either a balance or balances transferred or to future purchases. Most offers are for balance transfers, but there are also offers for 0% APR for purchases for a set amount of time. Most time periods range between 12 and 21 months on 0% offers.
    What exactly is a 0% APR credit card?
    A 0% APR credit card is a card that is offering a 0% rate on balance transfers and/or purchases for a set period of time. Although many offers are for one or the other, you can find offers where both balance transfers and purchases are offered for an introductory 0% APR interest rate. These cards are great for transferring one or more balances from existing credit cards, effectively paying off those cards and consolidating that debt into one payment. You may also hear about zero interest credit cards, which is just another way of referring to a 0% APR credit card.
    What is the national average interest rate for credit cards?
    At the time of this writing, according to federal reserve data dated for November 2019, the national average interest rate for credit cards (all accounts) for purchases is 14.87 percent and those with assessed interest average to 16.88%.
    According to a study by Gobankingrates.com, credit card rates tend to fall between an average of 11 and 17 percent currently with student credit cards, balance transfer and low-interest cards offering the lowest rates. On the low end, you may find rates as low as 7.24% or on the higher end of the spectrum, you can see rates as high as 23-29%.
    What is a go-to rate?
    A go-to rate is the interest rate offered for purchases or balance transfers after the introductory time period is over. This is typically the purchase APR or purchase rate for the credit card. If you received 12 interest-free months at 0% APR, when that period ended, your remaining balance would then be charged interest at the current purchase rate. This typically averages between 11 and 17 percent based on your credit score and the type of credit card. Lower credit scores will typically have higher purchase rates.
    How do you choose the best 0% APR offer?
    This entirely depends on your situation and how you need to use the 0% offer. For example, if you currently have $10,000 in debt on credit cards at 17.99%, it might be in your best interest to transfer that debt to a card offering a 0% balance transfer offer for 12-21 months, especially if you think you can pay it off during that time period. If, on the other hand, you know you have large purchase you need to make, you may want a credit card offering a 0% APR for purchases for the longest time you can find.
    One key thing to take into account when transferring a balance from existing cards is the balance transfer fee. Most nationally available cards have between a 3% and 5% balance transfer fee, with a minimum of $5 or $10, whichever is greater. Overall, you can find $0 or free balance transfer fees up to 5%, depending on the card and the issuer. Be sure to note what that fee is before transferring a balance. One other thing to note is whether there is an annual fee. Most cards do not have an annual fee, but it never hurts to check before you apply.
    Online Balance Transfer Calculator
    The devil, as they say, is in the details, and the details of your financial situation aren’t necessarily going to be the same as those of anyone else. As a result, we recommend using an online Balance Transfer Calculator to calculate just which card is going to be the most useful for your situation.
    According to a 2016 American Credit Card Debt Study, a typical American family carrying balances on credit cards has about $16,000 of credit card debt with an average interest rate of 15%.

    Transferring that debt to a card with a 0.00% APR for 18 months with a 15% APR after the introductory period would cost $480 for the standard 3% transfer fee, but would save $3,120, overall a savings of $2,640.

    If you don’t think you can pay off your entire debt in the introductory period, getting a lower interest rate after the introductory period can produce wonders. For example, that average family with $16,000 in credit card debt paying a 15% APR would see $3,203 in savings during the introductory period with a credit card that features a 4.99% transfer APR for 24 months and no transfer fee. Assuming a $5,000 remaining balance and a 9.99% post-promotion rate, the family could also save an additional $250 on interest the first year after the introductory period is over.

    Other Related Articles:

    The 12 Best Balance Transfer Credit Card Offers: Longest Terms

    Should You Apply For A No Interest Balance Transfer Credit Card Or A Store Card

    Our Ratings/Disclaimer:

    When reviewing these cards, we do our best to put ourselves in your shoes. We choose cards based on such things as maximizing savings through promotional interest-free periods, (lack of) fees, finance charges and ease of use. In other words, if we wouldn’t use these cards ourselves, we wouldn’t recommend them!

    • NOTE: We are proud that the majority of cards that we list (about 60%) are cards that don’t advertise with us― almost all of our competitors ONLY list cards that advertise with them. About 40% of the credit card offers that appear in this article are from credit card companies from which we receive financial compensation (these cards are listed as such on our site). They are noted above with an asterisk.

    The bottom line is that we don’t know of another site that prominently lists as many non-advertiser cards! Please note that rates are current as of the publishing date of this article and should be verified prior to applying.

    Co-written by Curtis Arnold, a nationally recognized consumer advocate and founder of CardRatings.com, the pioneering website that started posting the first credit card ratings online around 20 years ago, and Shane Tripcony, personal finance blogger and web marketing consultant. Curtis and Shane are the founders of BestPrepaidDebitCards.com, which provides ratings and reviews of prepaid cards and credit cards.

    Please note: “The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.”

    Please read and share your customer or cardholder reviews of the best 0% BT offers below.

  • Highest Tier Cash Back Credit Cards

    Written by

    Shane Tripcony

    Please note that this page regarding highest tier cashback credit cards is outdated (2016) and maintained for archival purposes only. However, consumer comments below are current and new consumer reviews (by folks like you) are still encouraged. You can view our current cashback credit card reviews here!

    Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc.

    Unlike almost all card comparison sites that only list cards that advertise with them, 95% of the cards on our site don’t pay us a dime. This site is powered by consumers like you! 🙂

    Part of the beauty of credit cards and debit cards is their ability to give you rewards. Of course, the rewards only really mean something if you use the cards wisely.

    Unfortunately, while cash rebate credit and debit cards have grown in popularity, so has the confusion that surrounds them. Some programs change their rules often. Some provide higher rewards for some purchases but not others (and then they change the categories every quarter). Some cards have restrictions that others don’t.

    The point is this: Not all cash back credit cards and debit cards are created equal. And not every card is going to fit your lifestyle, purchases or financial goals. That’s why it’s important to do your research before signing up for any cash back card. Once you have your card, then it is important to maximize your earnings potential. Visit this link for more detailed reviews where you can easily apply online:


    Top Rated Cash Rebate Credit Card (Overall):
    OVERALL WINNER

    Citi Double Cash Back Card (Site Sponsor)

    Editor’s Note: The Citi Double Cash Back Card is as straightforward as it gets. It offers the top rewards for a flat-rate card and its simplicity makes it a winner. You simply get 2 percent cash back for everything you buy. There are no categories to worry about, no annual fees and no spending limits. Basically, this card symbolizes cash back simplified.

    A Closer Look: The Citi Double Cash Back Card offers a 0 percent introductory APR for the first 15 months. You also get a waived late fee on your first missed payment (which you hopefully won’t have to use) and your Equifax score is included on every statement. The only downside is you don’t get the entire 2 percent reward right away. You receive 1 percent upon purchase and the other 1 percent after paying your bill.

    Chase Freedom (Not an Advertiser)

    Editor’s Note: A frequent favorite among cash back enthusiasts, Chase Freedom allows you to get 5 percent cash back across different categories that rotate quarterly. For example, one quarter may be 5 percent cash back on gas and the next quarter may be 5 percent cash back on retail purchases. By paying attention and spending strategically, you’ll be able to get some serious bang for your buck with this card.

    VIEW OF OUR BEST CARDS
    FOR BUILDING OR REBUILDING YOUR CREDIT HERE!

    A Closer Look: Unfortunately, the 5 percent cash back isn’t unlimited. You’ll have to stay within a $1,500 spending cap. Still, these rewards are higher than most. Once you reach the cap, you’ll receive 1 percent back on every purchase. You can also earn a $150 cash bonus when you spend $500 or more in the first three months after opening an account. You can also earn an additional $25 by adding an authorized user. There’s also no annual fee and the points don’t expire as long as your account remains active.

    BankAmericard Cash Rewards (Not an Advertiser)

    Read Customer Complaints and Reviews Below!
    And Share Your Rating and Review to Help Others!

    Editor’s Note: BankAmericard Cash Rewards has some very rich cash back features. It also has the benefit of being straightforward. You get 3 percent cash back on gas and 2 percent cash back at grocery stores for the first $1500 you spend each quarter. You also get 1 percent cash back on every other purchase and there’s no annual fee.

    A Closer Look: The BankAmericard also gives a 10 percent bonus when Bank of America customers deposit their rewards into their accounts. If you are a Bank of America Preferred Rewards client and maintain an average banking and/or investment account balance of $20K to $100K+, you can receive a bonus of 25% to 75%.

    Which Credit Card Gives the Best Cash Back Rebate for Excellent Credit
    Citi Double Cash Back Card (see above)

    Capital One QuickSilver One Cash Rewards

    Editor’s Note: This particular card comes with not just a 0 percent balance transfer but 0 percent on purchases through November 2016. In addition, there is no annual fee and cardholders can earn a $100 bonus cash credit for spending $500 or more within the first three months. International travelers can enjoy purchases abroad with no foreign transaction fees.

    A Closer Look: You get 1.5 percent cash back on all purchases without having to worry about rotating categories or spend limits. You also get a 20 percent statement credit for all Uber rides. This card also comes with Visa Signature benefits such as travel upgrades and savings, shopping discounts, complimentary concierge service and more. Click here for the complete guide to Visa Signature benefits.

    Please Note! The Reviews Below are for 2016- Please Click Here for our Latest 2020 Reviews of Cash Rewards Credit Cards and To Apply Online in Just Mins. (Includes Application Links).(Ad Link)
    And click here for tips on how to maximize your cash back rewards.

    BEST CASH BACK REWARDS CARDS FOR HEAVY SPENDERS

    Alliant Cashback Visa® Signature Credit Card (not an advertiser)

    For Heavy Spenders: Alliant is a credit union (you have to apply to join and pay a small membership fee, but this credit union is open to anyone) and not a household name, but they have raised the bar held by the Citibank Double Cash Card for many years for the best overall rebate on all types of purchases.

    Earn a whopping 3% cash back during your first year & an amazing 2.5% cash rebate on all purchases every year after with no cap. Please note though that this card does have a $99 annual fee that is waived the first year.

    WHICH CREDIT CARD GIVES THE BEST CASH BACK REBATE FOR INVESTORS

    Fidelity Investment Rewards Visa Signature Card (not an advertiser)

    Editor’s Note: This a great card for a savvy investor that was just launched in early 2016. You get 2 percent cash back on every purchase. The only requirement: You have to open a brokerage account.

    A Closer Look: To realize the 2 percent cash back, you must have it deposited into your brokerage account. Deposits can be made to standard brokerage accounts or other accounts such as Fidelity Cash Management accounts, 529 college savings plans or retirement accounts. This is an excellent way to maximize your purchases and build wealth with your investments.

    WHICH CREDIT CARD GIVES THE BEST CASH BACK REBATE FOR FAIR (OR LESS THAN PERFECT CREDIT)

    Discover it Secured Credit Card

    Editor’s Note: This is a new addition from Discover as they recently announced their only secured card. The Discover it Secured Card is one of the only secured cards with a cash back component. It’s benefits are similar to regular cards and is offering cash back rewards at 1% per dollar spent. After the end of the first year, Discover doubles the amount earned, so effectively, this is a 2% cash back card that can help consumers build or rebuild their credit.

    A Closer Look: Like other secured cards, the consumer must deposit a sum of money, between $200 to $2,500, to serve as the security deposit. Interest is high on this card compared to the others on this list at an APR of 23.24%. Despite the higher interest, this card is available to consumers with poor or no credit and provides a nice cash back reward as well as a free FICO score so you can watch your credit score rise.

    WHICH CREDIT CARD GIVES THE BEST CASH BACK REBATES FOR BUSY HOUSEHOLDS

    Groceries

    American Express Blue Cash Preferred

    Editor’s Note: The American Express Blue Cash Preferred card has some unparalleled rewards. You get 6 percent cash back on groceries up to $6,000 annually and 1 percent cash back thereafter. You also get 3 percent cash
    back at gas stations and select department stores.

    A Closer Look: A family can easily rack up enough in groceries to experience some stellar cash back rewards. Additionally, you receive $150 if you spend $1,000 in the first 90 days after opening an account. The card also comes with an introductory 0 percent APR for 15 months and includes all the benefits of an AmEx, including spectacular customer service, roadside assistance and extended warranties on purchases. The only downsides are a $75 annual fee and the grocery rewards don’t count at specialty shops or Costco.

    Gas

    Fort Knox Credit Union Platinum Visa
    Editor’s Note: This card offers 5 percent cash back on gas purchases and the barrier to entry is low. All you have to do is pay $5 to join the American Consumer Council / Kentucky and you can qualify for the program.

    A Closer Look: Unlike other cards that offer cash back on gas, the Fort Knox Credit Union Platinum Visa doesn’t require you to open up an account with them. There’s also no balance transfer fee and no annual fee. Additionally, you get 1 percent cash back on all retail purchases.

    Business

    Ink Cash Business Credit Card

    Editor’s Note: The Ink Cash Business Credit Card by Chase is often hailed as one of the best credit cards for small business owners. You get 5 percent cash back on the first $25,000 you spend each year on business expenses, including office supplies, cellular and landline phones, Internet and cable TV. You also get 2 percent cash back on the first $25,000 spent on gas and restaurants. A 0 percent introductory APR and no annual fee also make this card very attractive.

    A Closer Look: In addition to the great cash back offer on things all businesses need, you also get $200 bonus cash back when you spend $3,000 in the first three months after opening an account. You can also redeem points for cash, travel or gift cards. The only downside to this card is if your business doesn’t spend money on these items.

    Dining / Restaurants

    Chase Sapphire Preferred

    Editor’s Note: Foodies will enjoy this card because they’ll get 2 percent cash back for dining out. You also get 1 point for every dollar spent in all other categories. Travelers will also enjoy this card because it has several airline partners, double points on travel purchases and no foreign transaction fee.

    A Closer Look: The Chase Sapphire Preferred is one of the best personal cards on the market. They have an excellent promotional offer of 50,000 points when you spend $4000 in the first three months after opening an account – an amount easily within reach of many households. Just note that the annual fee jumps to $95 after the first year.

    BEST BONUS CATEGORY CARD

    Chase Freedom

    Editor’s Note: The Chase Freedom card has a low 0% APR for 15 months for purchases and balance transfers, and offers a generous 5% cash back on selected categories that change every quarter. Currently, through March 31, 2016, cardholders that activate their 5% cash back can save at gas stations and on local commuter expenses, including UBER and taxis.

    A Closer Look: For new cardholders, you can earn a $150 cash bonus when you spend $500 in the first three months after opening an account. You can also earn an additional $25 bonus by adding an additional cardholder and completing a purchase in that same time frame. Let’s not forget to mention that cardholders also get an unlimited 1 percent cash back on every purchase and has other features such as purchase protection and price protection.

    MOST INNOVATIVE CASH BACK REWARDS PROGRAM

    QuickSilver From Capital One
    Editor’s Note: What sets this card apart from all the others is your ability to get 20 percent cash back on all Uber rides through April 2016. If you use the car sharing service often, you’ll definitely want to take advantage of this bonus.

    A Closer Look: Aside from the 20 percent cash back on Uber rides, Capital One’s QuickSilver is an overall good program. You earn an unlimited 1.5 percent cash back on every purchase, a $100 cash bonus when you spend $500 in the first three months after opening an account, there’s no annual fee and the card offers a 0 percent introductory APR. You can also use it for travel upgrades, there are no foreign transaction fees and the card provides an extended warranty on purchases and several other features.

    Please Note! The Reviews Below are for 2016- Please Click Here for our Latest 2019 Reviews of Top Cash Rebate Cards and To Apply Online in Just Mins. (Includes Application Links).

    And click here for tips on how to maximize your cash back rewards.

    BEST NICHE CASH BACK REWARDS

    Fidelity Investment Rewards Visa Signature Card(not an advertiser)

    Editor’s Note: This card gives you cash back that can be deposited into your investments to build wealth over time. It’s the only card we know of that gives you rewards while encouraging you to save.

    A Closer Look: If you deposit your rewards into investment accounts, like a retirement or a college 529 plan, you can save for significant future expenses. It’s a very smart way to have your money make more money for you.

    LOCAL OPTIONS FOR CASH BACK REWARDS

    These cards are all available nationally, but you may find that there is a card that is just right for you in your own backyard. One really good options found near us includes the Simmons Bank Visa® Platinum Rewards card. That card is offered nationally, but it is a good deal for those looking for a long-term low rate at 10.50% and have a balance to transfer. They have no balance transfer fee.

    Another option to consider are local credit unions. One example nearby is TruService Community Federal Credit Union. They have a rewards card with cash-back that we have found to be the lowest rate in the country at 5.50%. Even at their highest rate offered, it is still only 13.50%. You must qualify for membership for that credit union to be able to get that card and that includes anyone that works, lives or worships in their area of service.

    Other Related Reviews and Resources That Might be Helpful:
    LOOKING AT THE OPTIONS

    These cards are all available nationally, but when searching for which Debit Card Gives the Best Cash Back Rebate or Credit Card, you may find that there is a card that is just right for you in your own backyard. One really good options found near us includes the Simmons Bank Visa® Platinum Rewards card. That card is offered nationally, but it is a good deal for those looking for a long-term low rate at 10.50% and have a balance to transfer. They have no balance transfer fee.

    Another option to consider are local credit unions. One example nearby is TruService Community Federal Credit Union. They have a rewards card with cash-back that we have found to be the lowest rate in the country at 5.50%. Even at their highest rate offered, it is still only 13.50%. You must qualify for membership for that credit union to be able to get that card and that includes anyone that works, lives or worships in their area of service.

    LOOKING AT THE OPTIONS

    There are always options, personal desires and values to consider in choosing the cash back card that works the best for you and your particular situation. There are a number of great cards that are offered nationally and there just may be some great cards offered locally that you have not considered. Take a look at some of the cards we have recommended here.

    WHAT WORKS FOR US

    Our team believes that credit card choices have a lot to do with individual preference, lifestyle and goals. Everyone is different and there is a card for each of you. Some people on our team stick to using points for travel and others trade them in for cash. They both work just fine.

    OUR RATINGS SYSTEM

    When reviewing these cards, we do our best to put ourselves in the consumers’ shoes. We choose cards based on (lack of) fees, rewards and ease of use. In other words, if we wouldn’t use these cards ourselves, we wouldn’t recommend them. In fact, we do actually use these cards in our own lives.

    NOTE: This article is part one of two and was originally published on the Huffington Post. Click here for the original article.


Credit and Debit Card Ratings