For example, the Phillips 66 Personal Card lets new cardholders earn 10 cents back per gallon as statement credits for the first 90 days after opening account, compared to the 5 cent back rewards that are earned after
the introductory rewards period ends.
Not exact matches
Additionally, the Chase Slate ® also has a longer
introductory 0 % APR
period - 15 months versus 12 on the BankAmericard ® Better Balance
Rewards.
Additionally, the Chase Slate ® also has a longer
introductory 0 % APR
period - 15 months versus 12 on the BankAmericard ® Better Balance
Rewards.
Barclaycard's MasterCard offers great cash back
rewards and an easy to earn sign up bonus, but its balance transfer advantages are pretty standard with an average
introductory APR
period and balance transfer fee commensurate with many of the other cards on our list.
One major advantage the Capital One ® VentureOne ®
Rewards Credit Card has over the Capital One ® Venture ®
Rewards Credit Card is its
introductory APR
period: 0 % on Purchases for 12 months, and then the ongoing APR of 13.49 % - 23.49 % Variable APR..
All other purchases (and all purchases after the 6 month
introductory period) will earn consumers 1 Wells Fargo
reward point per $ 1.
The U.S. Bank College Visa card has no 0 %
introductory APR
period to speak off, and it earns users no
rewards from spending.
The Chase Freedom Unlimited ® has a longer 0 %
introductory APR
period for purchases and balance transfers — 15 months, compared to 9 months for the Capital One ® Quicksilver ® Cash
Rewards Credit Card.
Some cards also offer a 0 %
Introductory APR on balance transfers for a specified
period of time,
rewards, a
rewards bonus offer if you qualify and if you meet the spend requirements or a variety of other perks.
Other pros of the Discover It include: a relatively lower regular APR after the
introductory APR
period lapses (and it won't raise if you do pay late occasionally), a free FICO credit score every month, highly - rated customer service, more options and
rewards (as high as 20 %) when you shop through Discover Deals (Discover's online shopping portal), and no minimum for redeeming your cash
rewards.
What's more, many great
introductory APR offers — including our favorites below — will apply to both new purchases as well as balance transfers, so you won't be charged interest on those
rewards - reaping new purchases during the
introductory period.
You can apply for any travel
rewards credit card that has 0 %
introductory period.
If you carry a balance on your credit card, there's a good chance the interest on your balance (after the
introductory period) exceeds the $ 200 you'd earn in
rewards value.
The PenFed Pathfinder
Rewards American Express Card is a better card if you're looking to transfer a balance since the Chase Sapphire Preferred ® Card doesn't offer an
introductory 0 % APR
period.
After the
Introductory Period, a variable Purchase APR of 14.49 %, 18.49 % or 24.49 %, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 14.49 %, 18.49 % or 24.49 %, depending on your creditworthiness, will apply to balance transfers and credit card checks for the HSBC Platinum Mastercard ® with
Rewards credit card.
The Wells Fargo Visa Signature card offers a long
introductory period on balance transfers and new purchases, as well as a good travel
rewards program with a generous redemption bonus on travel
rewards.
From Rebecca Lake (personal finance journalist): «If you're looking for a balance transfer card that blends a generous
introductory APR
period with cash
rewards, Discover it is a standout choice.»
To thank you for making such great referrals, we provide
rewards for hired referrals, following an
introductory period.
While the Bank of America Cash
Rewards card's regular APR is fairly low, its 0 - percent
introductory period on balance transfers and new purchases is relatively short.
The PenFed Pathfinder
Rewards card's introductory period on balance transfers is relatively short, though it's worth keeping as a travel rewards card if you can pay off your balance in 12
Rewards card's
introductory period on balance transfers is relatively short, though it's worth keeping as a travel
rewards card if you can pay off your balance in 12
rewards card if you can pay off your balance in 12 months.
The Wyndham
Rewards Visa Signature card offers a long 15 - month
introductory period for balance transfers and some good premium hotel perks; however, with its steep annual fee, it's not the best choice for cardholders simply looking to save money on a balance transfer.
The Blue Cash Everyday card is a good choice for cardholders who want a long
introductory period to pay down their balance while still earning
rewards on routine spending.
The Wells Fargo Visa Signature card offers a long
introductory period on balance transfers and new purchases, as well as a good travel
rewards program with a generous redemption bonus on travel
rewards.
The 15 - month
introductory period on the Wyndham
Rewards Visa is a long one, though you'll need to consider whether Wyndham's short shelf - life on its rewards points makes the rewards program on the card wort
Rewards Visa is a long one, though you'll need to consider whether Wyndham's short shelf - life on its
rewards points makes the rewards program on the card wort
rewards points makes the
rewards program on the card wort
rewards program on the card worthwhile.
The Citi ThankYou Preferred card offers a fairly long 15 - month
introductory period on balance transfers, plus a pretty good points - based
rewards program once your balance is paid off.
If your primary concern is finding the best balance transfer offer, regardless of perks and
rewards, you're likely more concerned with the length of the card's
introductory period than its cash back rate.
Other pros of the Discover It include: a relatively lower regular APR after the
introductory APR
period lapses (and it won't raise if you do pay late occasionally), a free FICO credit score every month, highly - rated customer service, more options and
rewards (as high as 20 %) when you shop through Discover Deals (Discover's online shopping portal), and no minimum for redeeming your cash
rewards.
Always check the fine print for balance transfer fees and the APR after the
introductory period ends, but once you find the card that best suits you, you'll be ready to earn
rewards on each new purchase with the card.
What's more, many great
introductory APR offers — including our favorites below — will apply to both new purchases as well as balance transfers, so you won't be charged interest on those
rewards - reaping new purchases during the
introductory period.
The Costco Anywhere Visa from Citi and the VentureOne and Quicksilver cards from Capital One all come with shorter
introductory periods with 0 % APR, but they offer a lot more
rewards.
After that
introductory period, Chase Slate ® just becomes a rather mundane credit card with no noteworthy
rewards or perks.
You can disregard your
rewards credit card's interest rate because the low APR on the Barclaycard Ring ™ Mastercard ® is what ultimately applies to that balance (this only applies for the duration of the 0 % APR
introductory period).
Another great benefit to a card offering an
introductory 0 % APR for new purchases is that you can typically still earn
rewards on those purchases during the interest - free
period.
Benefits we look for include bonus offers, how
rewards are earned and redeemed,
introductory APR
periods, travel privileges, accounting tools, mobile business apps, employee cards, insurance coverage and unique benefits.
In fact, out of the dozens of cards we surveyed, at least 10 have both a
rewards program — and 0 % interest for a certain
introductory period as a secondary attraction.
We look at
rewards, benefits, bonus offers,
introductory low APR
periods, and flexibility (how and where the card can be used, how
rewards can be redeemed, etc).
this card is ideal if you want a long 0 %
introductory period with a very high percentage
reward system.
Though the regular APR on the PNC Cash
Rewards Visa is fairly low, cardholders seeking to save on interest are better off with a card that offers a 0 percent
introductory period on new purchases as well as one that doesn't incur a high penalty APR for missing a payment.
Rebecca Lake, Personal finance journalist Favorite balance transfer card: Discover it «If you're looking for a balance transfer card that blends a generous
introductory APR
period with cash
rewards, Discover it is a standout choice.»
It doesn't offer any
rewards program and loses its sheen after the expiry of its
introductory 0 % APR
period.
The $ 99 annual fee applied on your first statement is a bummer, especially given that most travel
rewards cards waive that fee during the
introductory period.
The Marriott
Rewards ® Premier Credit Card does not offer an
introductory no - APR
period, and it charges a 5 percent balance transfer fee, so there are better options if you're looking mainly to transfer your balance to another card.
Both cards come no annual fee and a 0 percent APR
introductory period (12 months for the Ink Business Cash ℠ Credit Card) and nine billing cycles for the Bank of America ® Business Advantage Cash
Rewards Mastercard ® credit card before a 12.24 % - 22.24 % Variable APR on purchases for the BofA card).