Null-Rates.com - Your guide to offers from the best US credit card companies

Promo purchase APR	Promo period for purchases (months)	Annual fee	Promo BT APR	Promo period for BTs (months)	Promo BT fee	Min. promo BT fee	Max. promo BT fee	Regular purchase APR⁴	Bank name	Card name	Reward program	Reviews ♥ Discussion ♣
0%	up-to 15	$0	0%	up-to 15	3.0%	$5	N/A	As low as 11.99% Variable	Citibank	Citi® Platinum Select® MasterCard®		♥
0%	up-to 12	$0	0%	up-to 12	3.0%	$5	N/A	13.24%, 17.24%, or 22.24%	Chase	Slate℠ from Chase		♥
0%	9	$0	0%	9	0%	$0	$0	as low as 12.99%	Discover	Discover® More® Card - Shamrock	Cashback .25%	♥
0%	7	$0	0%	7	3.0%	$5	N/A	14.24% Variable	Citibank	Citi Forward® Card	Points 1 per $1	♥ ♣
0%	6	$0	0%	6	0%	$0	$0	11.99%	Discover	Discover® Open Road(SM) Card	Cashback .25%	♥ ♣
0%	6	$0	0%	6	3.0%	$0	$0	as low as 11.99%	Discover	Miles by Discover® Card	Miles 1 per $1	♥ ♣
0%	up-to 6	$0	0%	up-to 12	3.0%	$5	N/A	12.99%, 17.99%, or 22.99%	Chase	Chase Freedom℠	Cashback 1%	♥ ♣
0%	6	$0	0%	6	0%	$0	$0	as low as 12.99%	Discover	Discover® More® Card - $50 Cashback Bonus®	Cashback .25%	♥
0%	6	$0	No promo	No promo	No promo	No promo	No promo	15.24%	American Express	TrueEarnings® Card from Costco and American Express	3% on gas 3% on restaurants 2% on travel 1% general cashback	♥ ♣
0%	6	$0	No promo	No promo	No promo	No promo	No promo	As low as 15.24%	American Express	Blue from American Express®	Points 1 per $1	♥
Promo purchase APR	Promo period for purchases (months)	Annual fee	Promo BT APR	Promo period for BTs (months)	Promo BT fee	Min. promo BT fee	Max. promo BT fee	Regular purchase APR⁴	Bank name	Card name	Reward program	Reviews ♥ Discussion ♣
0%	up-to 6	$0	No promo	No promo	No promo	No promo	No promo	As low as 17.24%	American Express	Blue Cash® from American Express	Cashback .5%	♥
0%	6	$0	No promo	No promo	No promo	No promo	No promo	As low as 17.24%	American Express	Blue Sky from American Express®	Points 1 per $1	♥ ♣
0%	6	$20	3.25%	6	3.0%	$0	$0	as low as 11.99%	Bryant State Bank	Bryant State Bank MasterCard	Miles 2 per $1	♥
0%	6	$60	0%	6	3.0%	$0	$0	as low as 11.99%	Discover	Escape by Discover® Card	Miles 2 per $1	♥ ♣
2.9%	6	$45²	2.9%	6	0%	$0	$0	15.24%	American Express	Starwood Preferred Guest® Credit Card from American Express	1 point per $1 for general purchases	♥ ♣
2.99%	12	$0	2.99%	12	0%	$0	$0	as low as 12.99%	Discover	Discover® More® Card - Monogram	Cashback .25%	♥
3.99%	6	$0	3.99%	12	3.0%	$0	$0	as low as 11.99%	Discover	Discover® Motiva(SM) Card	Cashback 1%	♥ ♣
7.5%	12	$45	7.5%	3	0%	$0	$0	7.50%	IberiaBank	IberiaBank Visa® Select Card		♥
*0%	6	$0	0%	6	5.0%	$10	N/A	As low as 11.99%	Discover	Discover® More® Card	Cashback .25%	♥ ♣

¹ - Balance transfer APR is valid only if the balance transfer is requested in credit card application
² - First annual fee is waived
³ - We are not allowed to show you the maximal fee for balance transfers. However, we did take the fee into account when we sorted credit cards.
⁴ - Only the minimally possible APR is shown. Your rate will be determined by the bank based on your credit history, household income and other factors.

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