0% Intro Rate Credit Cards

1-2-3 REWARDS® Visa® Card

  • Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers
  • Earn free groceries faster at Kroger, King Soopers, Dillons Smith’s, Fry’s and QFC
  • 3 points per $1 spent on Kroger family of brand products
  • 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
  • 1 point per $1 spent anywhere Visa Cards are accepted
  • Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
  • 0% intro APR* for 9 billing cycles on purchases and balance transfers
  • $0 annual fee*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 9 billing cycles 13.99% – 23.99% (Variable) $0 Yes Excellent

Barclaycard Arrival World MasterCard — $89 Annual Fee Card

  • Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
  • 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on all purchases
  • No mileage caps and no foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases for 12 months 14.99%-18.99% (Variable) $89, waived for 1st year Yes Excellent

Barclaycard Arrival World MasterCard — No Annual Fee Card

  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases and 1X miles on all other purchases
  • No mileage caps and no foreign transaction fees
  • Get 10% miles back when you redeem for travel (e.g. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases for 12 months 14.99%-18.99% (Variable) $0 Yes Excellent

Barclaycard® Rewards MasterCard® – Excellent Credit

  • Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
  • 0% Introductory APR for 12 months on purchases
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you’ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases for 12 billing cycles 14.99%-24.99% (Variable) $0 Yes Excellent

Barclaycard® Rewards MasterCard® – Good Credit

  • Earn 2,500 bonus points after your first purchase, which is enough for a $25 statement credit.
  • 0% Introductory APR for 6 months on purchases and balance transfers
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you’ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • This offer is for customers with Good Credit

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 6 billing cycles 24.99% (Variable) $0 Yes Good

Citi Forward® Card for College Students

  • No Cosigner required
  • 5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.
  • APR reduction on purchases when using credit wisely
  • 100 ThankYou Points each billing period that you pay on time and stay under your credit line.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases for 7 months* 13.99%-23.99%* (Variable) $0* Yes Good

Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees – EVER
  • No penalty rate – EVER
  • No annual fee – EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases and balance transfers for 18 months* 12.99% – 21.99%* (Variable) $0* Yes Excellent

Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees – EVER
  • No penalty rate – EVER
  • No annual fee – EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases and balance transfers for 18 months* 12.99% – 21.99%* (Variable) $0* Yes Excellent

Citi ThankYou® Card

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% – 22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on purchases.
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases and balance transfers for 15 months* 12.99%-22.99%* (Variable) $0* Yes Excellent

Citi ThankYou® Preferred Rewards Card

  • Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on all purchases
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases for 12 months* and 0% on balance transfers for 12 months* 12.99%-22.99%* (Variable) $0* Yes Excellent

Citi® Diamond Preferred® Card

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases and balance transfers for 18 months* 11.99%-21.99%* (Variable) $0* Yes Excellent

Citi® Dividend Platinum Select® Visa® Card

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases and balance transfers for 12 months* 12.99%-22.99%* (Variable) $0* Yes Excellent

Citi® Dividend® Card for College Students

  • Earn bonus cash back each quarter on new must-have categories— like department stores, travel and more, with enrollment
  • Earn a full 1% cash back on all other purchases
  • Free enrollment each quarter for new categories that earn additional cash back.
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases for 7 months* 13.99%-23.99%* (Variable) $0* Yes Good

CitiBusiness ThankYouSM Card

  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership – enough for $150 in gift cards
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories
  • Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash
  • No limit to the amount of points you can earn on purchases and points don’t expire
  • No Annual Fee*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases for 6 months* 13.24%* (Variable) N/A N/A Excellent

Discover it®

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 14 months 10.99% – 22.99% (V)* $0 Yes Excellent

Discover it®

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases for 6 months and 0% on balance transfers for 18 months 10.99% – 22.99% (V)* $0 Yes Excellent

Discover it® for Students

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% cash back in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% – 18.99%. *Click apply for Terms & Conditions.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases for 6 months and See Terms on balance transfers 12.99%-18.99% V $0 See Terms Fair

Discover it® for Students with $20 Cashback Bonus

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% – 18.99%.
  • *Click apply for Terms & Conditions.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
See Terms on balance transfers 12.99%- 18.99% V $0 N/A Average

Iberiabank Visa® Select Card

  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
  • Intro APR on Balance Transfers of 1.99% for the first 12 billing cycles. After that, APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online access to credit card account information
  • Low Annual Fee of $35.00

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% or 7.5% on purchases for 12 months and 1.99% on balance transfers for 12 billing cycles 7.50%, 9.50%, or 11.50% $35 Yes Excellent

The Carnival™ MasterCard®

  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% – 20.99%)
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn DOUBLE points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World’s Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 12 months 13.99% – 20.99% (Variable) $0 Yes Excellent

The Lufthansa Premier Miles & More World MasterCard®

  • Earn 20,000 award miles after your first purchase
  • Earn an additional 30,000 award miles when you spend $5,000 on purchases in the first 90 days
  • Cardholders receive a companion ticket annually.
  • Enjoy 2 award miles per $1 on Miles & More integrated airline ticket purchases
  • Earn 1 award mile per $1 spent everywhere else
  • No mileage expiration with monthly qualifying purchases
  • 0% Intro APR on purchases and balance transfers for the first 12 months after account opening, after that a variable APR currently 15.99% to 24.99% depending upon your creditworthiness.
  • Please see terms and conditions for complete details

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 12 billing cycles* 15.99% or 24.99%* (Variable) $79 Yes Excellent

The US Airways Premier World MasterCard®

  • Earn up to 40,000 bonus miles on qualifying transactions
  • EXCLUSIVE: Redeem flights for 5,000 fewer miles
  • Zone 2 boarding on every flight
  • Enjoy 2 miles per $1 spent on US Airways purchases
  • Earn 1 mile per $1 spent everywhere else
  • Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
  • First Class check-in
  • Please see terms and conditions for complete details

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on balance transfers for the first 15 months 15.99% or 24.99% (Variable) $89 Yes Excellent

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card

  • 0% Intro APR* for 15 billing cycles on purchases and balance transfers
  • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
  • 25% annual bonus of your prior year’s cash rewards up to $250
  • No cap on the cash rewards you can earn and they never expire
  • $0* annual fee if you make one purchase per year, otherwise $25*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 15 billing cycles 11.99% – 17.99% (Variable) $0 with one purchase per year Yes Excellent

U.S. Bank FlexPerks® Business Travel Rewards Visa® Card

  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 12 billing cycles 11.99% – 17.99% (Variable) $0 with $240 in purchases per year Yes Excellent

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card

  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • $0 Annual Fee* the first year, after that $49*
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 12 billing cycles 13.99% – 23.99% (Variable) $0 1st year, then $49 Yes Excellent

U.S. Bank Visa® Platinum Card

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 15 billing cycles 9.99% – 23.99% (Variable) $0 Yes Excellent

Upromise World MasterCard®

  • Earn $50 cash back with your first purchase
  • With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • Earn cash back on every purchase with no caps
  • 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0% on purchases and balance transfers for 12 months 12.99% – 20.99% (Variable) $0 Yes Excellent