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

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

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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