Updated October 6, 2025
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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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Best For
Rewards Rate - Cashback
- 5% Travel via Chase Travel℠
- 3% Dining & drugstores
- 1.5% All other purchases
$150 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
- Annual fee
- $0
- Regular APR
- 18.99 – 28.99 Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - Cashback
- 3% U.S. supermarkets (≤ $6k/yr, then 1%)
- 3% U.S. online retail (≤ $6k/yr, then 1%)
- 3% U.S. gas stations (≤ $6k/yr, then 1%)
- 1% Other purchases
$185 Savings
Estimated savings over 15 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- $200 statement credit after $2,000 in purchases within the first 6 months
- Annual fee
- $0
- Regular APR
- 20.24% – 29.99% Variable APR
- Recommended credit
- 670–850 (Good to Excellent)
- Travel Perks
- None
Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Long 0% intro APR on purchases and balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- Variable APR after intro period
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Extended 0% intro APR on balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- Variable APR after intro period
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Up to ~21 months 0% intro APR on purchases & balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- 17.24% – 28.99% Variable APR
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Best For
Rewards Rate -
- 4% cash back on prepaid air, hotel and car reservations booked in the Rewards Center.
- $20 annual statement credit after 11 consecutive months of purchases.
- 1% cash back on all other eligible purchases.
$285 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- No welcome offer found
- Annual fee
- $0
- Regular APR
- 0% intro APR for 24 billing cycles on purchases and balance transfers then 17.74%–28.74% variable APR
- Recommended credit
- Good–Excellent
- Travel Perks
- Cell Phone Protection, Rental Car Insurance