No Annual Fee Credit Cards

American Express AIR MILES* Credit Card

  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors.
  • Earn 1 reward mile for every $20 in Card purchases everywhere else2.
  • As well, shop at participating AIR MILES®* Sponsors across Canada with your Card and your AIR MILES®* Collector Card, and you can earn reward miles from both.
  • Conditions Apply.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.99% 12 Billing Cycles 19.99% $0 Yes Excellent

AT&T Universal Business Rewards Card

  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
  • Additional cards for employees with credit limits you set
  • No Annual Fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 14.24% Variable $0 Yes Excellent

Blue Cash Everyday(SM) Card from American Express

  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 17.24%-22.24% Variable No Annual Fee Yes Excellent

Blue Sky from American Express(R)

  • 7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
  • No annual fee.
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel – anytime.
  • Pay your bill all at once, or over time. It’s up to you.
  • Blue Savings Program(R): big deals on big brands, all the time.
  • Get a decision in as little as 60 seconds.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 17.24%-22.24% Variable No Annual Fee Yes N/A

Chase Freedom MasterCard

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 12.99% – 22.99% $0 Yes Excellent / Good

Chase Freedom Visa

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 12.99% – 22.99% $0 Yes Excellent / Good

Chase Sapphire Card

  • Earn 10,000 bonus points after you spend $500 in the first 3 months – that’s $100 toward travel or any other reward!
  • 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • Direct access to expert service advisors anytime
  • No annual fee!

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% Variable $0 Yes Excellent

Citi Forward Card

  • $100 in gift cards – When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% – 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% See card details 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi Forward Card for College Students

  • No Cosigner required
  • 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
  • Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 7 Months 13.99% – 22.99%* (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.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 12.99 – 21.99% (variable) $0* Yes Excellent

Citi Simplicity Visa 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.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 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.
  • Earn an anniversary bonus on points earned from purchases every year*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi ThankYou Preferred Card – $150 in gift cards

  • $150 gift card – When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
  • 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi ThankYou Preferred Card – 25,000 points – $250 in gift cards

  • $250 gift card – When you redeem the 25,000 bonus ThankYou® Points received after $2000 in purchases within 4 months of account opening.
  • Earn 1 point for every $1 you spend on all purchases
  • Receive an anniversary bonus every year you’re a cardmember
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi Dividend Platinum Select Visa Card – $100 Cash Back

  • $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*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances
  • No Annual Fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 12.99% – 22.99%* (Variable) $0* Yes Excellent

Citi Platinum Select Visa

  • 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.
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 11.99% – 21.99%* (Variable) $0* Yes Excellent

Citi Diamond Preferred Card

  • 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.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 18 Months 11.99% – 21.99%* (Variable) $0* Yes Excellent

Citi Dividend Platinum Select Card for College Students

  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 7 Months 13.99% – 21.99%* (Variable) $0* Yes Good

Citi Hilton HHonors™ Visa Signature Card

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 14.24% variable or 16.24% variable* $0 Yes Excellent

CitiBusiness ThankYou(SM) Card

  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou(R) 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(R) 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 APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 13.24% $0 Yes Excellent

Discover Mix Tape Student Card

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 9 Months 12.99%- 18.99 V $0 Yes Fair

Discover Open Road Card for Students

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • Double Cashback Bonus®* at gas stations and restaurants.
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 9 Months 12.99%- 18.99% V $0 Yes Fair

Discover Student Card – $20 Cashback Bonus

  • Experience Discover’s great rewards program. Earn $20 Cashback Bonus®* when you make your 1st purchase within 3 months of approval
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 12.99%- 18.99% V $0 Yes Fair

Discover More Card

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 10.99% – 20.99% (V)* $0 Yes Excellent

Discover Motiva Card

  • Earn Cashback Bonus for your good credit management
  • 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% – 20.99%*
  • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty – 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index Report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rate, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 10.99% – 20.99% (V)* $0 Yes Excellent

Discover Open Road Card

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Months 10.99% – 19.99% (V)* $0 Yes Excellent

Discover Student Card – Tropical Beach

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 9 Months 12.99%- 18.99% V $0 Yes Fair

Discover Student Card

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 9 Months 12.99%- 18.99 V $0 Yes Fair

Discover Student Card – Clear

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 9 Months 12.99%- 18.99 V $0 Yes Fair

Discover Student Card – Monogram Collection

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 9 Months 12.99%- 18.99 V $0 Yes Fair

Discover More Card – 18 Month Promotional Balance Transfer

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% See card details 10.99% – 20.99% (V)* $0 Yes Excellent

IberiaBank Visa Classic Card

  • No Annual Membership Fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online Access to Credit Card Account Information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 7.25%, 10.25% or 13.25%* $0 Yes Excellent

IberiaBank Visa Gold Cash Back Rewards Card

  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • Online access to credit card account information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 9.25, 12.25%, or 15.25%* $0 Yes Good

IberiaBank Visa Platinum Rewards Card

  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, gift, or experience rewards
  • Travel accident coverage up to $1,000,000
  • Online access to credit card account information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 9.25%, 12.25%, or 15.25%* $0 Yes Very Good

Ink Cash Business Card

  • Up to $250 cash back bonus – $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.24% $0 Yes Excellent, Good

Ink Classic Business

  • Up to 25,000 bonus points – 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
  • 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn
  • Points do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.24% $0 Yes Excellent, Good

Miles by Discover Card

  • Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months – up to 20,000 Bonus Miles
  • 1 Mile on every $1 you spend – Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% – 15.99%*
  • No restrictions on travel–fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Months 10.99% – 15.99% (V)* $0 Yes Excellent

SimplyCash Business Card from American Express OPEN

  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
  • No annual membership fee

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% See card details 12.24% – 19.24% Variable $0 No Excellent

Slate from Chase – No Balance Transfer Fee

  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 15 Billing Cycles 11.99% – 21.99% Variable $0 Yes Excellent

TrueEarnings(R) Card from Costco and American Express

  • American Express(R) Card and Costco Membership Card in one – with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months 15.24% variable No Annual Fee with your paid Costco Membership No N/A