Independent loan and credit card comparison for U.S. consumers
Filter by what you want the card to do, then line up rewards, fees and interest side by side.
Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026
Cards that advertise a 0% introductory APR on purchases or balance transfers.
14 cards
Top match for your filters
Wells Fargo
Best for: a simple, flat cash rewards rate
A flat 2% cash rewards rate on purchases, no annual fee, and a 12-month 0% intro APR.
2% cash rewards on purchases, unlimited. Intro offer: 0% for 12 mo purchases, 12 mo transfers.
Welcome bonus: $100 cash rewards after $500 in purchases in the first 3 months
Bank of America
Best for: travel rewards without an annual fee
A no-annual-fee travel card with 1.5 points per $1 and no foreign transaction fees.
1.5 points per $1 on everyday purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 25,000 points worth $250, after $1,000 in purchases in the first 90 days
Discover
Best for: a flat miles rate with a first-year match
Unlimited 1.5x miles on all purchases and a first-year Miles Match, with no annual fee.
1.5x miles on travel and everyday purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: Miles Match Discover matches all the miles you earn at the end of your first year, with no limit
Chase
Best for: everyday spending with bonus categories
1.5% cash back on everything, bonus rates on dining, drugstores and travel, and a 15-month 0% intro APR.
1.5% cash back on all purchases. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 after $500 in purchases in the first 3 months
Bank of America
Best for: flat cash back with a strong bonus
Unlimited 1.5% cash back, a $250 bonus and a 15-billing-cycle 0% intro APR, with no annual fee.
1.5% cash back on all purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $250 online cash rewards bonus after $1,000 in purchases in the first 90 days
Capital One
Best for: travel rewards without an annual fee
A no-annual-fee travel card with 1.25 miles per $1, a 15-month 0% intro APR and no foreign transaction fees.
1.25 miles per $1 on every purchase, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 20,000 miles after $500 in purchases in the first 3 months
Capital One
Best for: groceries, dining and entertainment
3% on groceries, dining, entertainment and streaming, no annual fee and no foreign transaction fees.
5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Intro offer: 0% for 12 mo purchases, 12 mo transfers.
Welcome bonus: $200 cash bonus after $500 in purchases in the first 3 months
U.S. Bank
Best for: people who will pick categories each quarter
5% in two categories you choose, 2% in one everyday category, and a 15-billing-cycle 0% intro APR.
5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 rewards bonus after $1,000 in eligible purchases within the first 90 days
U.S. Bank
Best for: dining and everyday spending without an annual fee
A no-annual-fee card with 4X points on dining, 2X on groceries, gas and streaming, and a 15-cycle 0% intro APR.
4X points on dining, takeout and restaurant delivery, on your first $2,000 each quarter. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 20,000 points after $1,000 in net purchases in the first 90 days
Discover
Best for: first-year rewards value
5% rotating categories, 1% elsewhere, and an unlimited first-year Cashback Match.
5% cash back at different places each quarter, up to a quarterly maximum (activation required). Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: Cashback Match Discover matches all the cash back you earn at the end of your first year, with no limit
Chase
Best for: people who will activate quarterly categories
5% quarterly bonus categories on up to $1,500, 3% on dining and drugstores, and a 15-month 0% intro APR.
5% on up to $1,500 in combined purchases in quarterly bonus categories (activation required). Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 after $500 in purchases in the first 3 months
Bank of America
Best for: concentrated spending in one category
6% in a category you choose for the first year, then 3%, plus 2% at grocery stores and wholesale clubs.
6% in a category you choose, for the first year, on the first $2,500 in combined purchases each quarter. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: $200 online cash rewards bonus after $1,000 in purchases in the first 90 days
Wells Fargo
Best for: financing a large purchase or paying down debt
A 21-month 0% intro APR on purchases and qualifying balance transfers, with no annual fee.
No rewards program. Intro offer: 0% for 21 mo purchases, 21 mo transfers.
U.S. Bank
Best for: long 0% financing
A 21-billing-cycle 0% intro APR on purchases and balance transfers, with no annual fee.
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center. Intro offer: 0% for 21 mo purchases, 21 mo transfers.
Rewards cards generally expect good or excellent credit (690 and above). Secured cards and some student cards accept limited or no credit history. Approval also depends on income and existing debt.
A formal application triggers a hard inquiry, which can lower your score by a few points for a short time. Checking whether you prequalify usually uses a soft inquiry and has no effect.
It can be, if the rewards and credits you will actually use exceed the fee. Add up the yearly value of the benefits you would use and compare it with the fee before you apply.
For the promotional period, purchases or transferred balances accrue no interest. When it ends, any remaining balance is charged the card's regular APR, so plan to pay it off before then.