This is an independent, advertising-supported comparison website. We may receive compensation from our partners when you click links on our site and take certain actions on their websites. This compensation helps keep this site free to use.
Compensation is one of several factors that may affect which products we feature, how prominently we feature them, and where they appear on our site, including, for example, their order on the page. Other factors may include our ratings and analysis, product availability, product features, and relevance to the page. We don't cover every credit card or offer available in the market. The order or prominence of products on our site does not necessarily reflect the rating we assign to a product or our assessment of its overall quality.
Compensation never affects our product ratings, analysis, or opinions, and our partners cannot pay us for a higher rating or a more favorable review.
Credit Card Reviews
We may earn a commission from partner links on this page. This doesn't affect our ratings or reviews.
Pick this card if: You want a rare travel card with no annual fee and a strong 0% intro APR offer, while still earning rewards and a valuable welcome bonus.
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Purchases Intro APR
0% intro APR on Purchases for 15 billing cycles
Regular APR
17.49%-27.49% Variable APR
Recommended Credit Score
670-850 (Good to Excellent)
Card Details▼
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Pros & Cons▼
Pros
$0 Annual Fee
Lengthy Intro APR
Cons
Smaller welcome bonus than many travel cards offer
Why we like it▼
It’s rare to find a travel card with a $0 annual fee that still delivers this much value. You get a solid welcome bonus, a decent rewards rate, and an unusually long 0% intro APR period for a travel card. That combination makes it a strong choice for travelers who want useful rewards without paying an annual fee — especially if they also want some breathing room on interest.
Pick this card if: You want one card that does nearly everything well, with strong rewards, a valuable welcome bonus, and a useful 0% intro APR period.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Pros & Cons▼
Pros
Lucrative, easy-to-earn welcome bonus
Above-average 0% intro APR period
Solid unlimited cash back rate
Cons
Other cards can earn more (but are often more complicated)
Foreign transaction fee
Why we like it▼
There just aren’t many credit cards that are this good at this many things. You get strong rewards, a valuable welcome bonus, and a solid 0% intro APR period, all with no annual fee. It may not lead every individual category, but it's very good at pretty much everything. That’s why it’s our Best Overall Credit Card for 2026 and one of the most popular credit cards in America.
Pick this card if: You want serious breathing room to pay down debt. We haven’t come across a longer 0% intro APR period for balance transfers than this.
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Get free access to your FICO® Score online.
Pros & Cons▼
Pros
Extremely long intro balance transfer period
Low intro balance transfer fee
No annual fee
Cons
Does not offer rewards
Relatively short intro purchases period
Why we like it▼
This is a fantastic choice if your priority is paying down debt with an ultra-long balance transfer intro APR period and low fees. It won’t earn you rewards, but for most people looking for a balance transfer card, that’s not the point. This card is hard to beat if your main goal is getting debt under control while limiting costly interest charges.
