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ADVERTISING DISCLOSURE:
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As you surf the site, pick the credit cards or loans you like best and add them to this handy list that shows them to you side-by-side. Find your selected offers in the table below and review the features of each one. Weigh the pros and cons, choose your favorite, and apply - it's that simple!
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Comparing 17 Offers

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CREDIT CARD BASICS
CREDIT HISTORY
CARD TYPE
CARD CATEGORY
BANK
ISSUING COUNTRY
RATES
INTRO APR ON PURCH
INTRO APR ON BT
REGULAR APR
PENALTY APR
MINIMUM GRACE PERIOD
MINIMUM INTEREST CHARGE
FEES
APPLICATION PROCESSING FEE
ANNUAL FEE
BALANCE TRANSFER FEE
CASH ADVANCE FEE
LATE PAYMENT FEE
FOREIGN TRANSACTION FEE
REWARDS
SPEND BONUS
EARNING REWARDS
REDEMPTION OPTIONS
ADDITIONAL BONUSES
REDEMPTION BONUS
TRAVEL FEATURES
GLOBAL ENTRY / TSA PRE-CHECK
IN-FLIGHT SAVINGS
FREE CHECKED BAGS
PRIORITY BOARDING
WI-FI CREDIT
LOUNGE ACCESS
OTHER FEATURES
GUARANTEED APPROVAL
RESPONSE IN 60 SECONDS
CREDIT BUREAU REPORTING
CASH WITHDRAWAL LIMIT
DEPOSIT LIMIT
MINIMUM LOAN AMOUNT
MAXIMUM LOAN AMOUNT
MINIMUM AGE OF A BORROWER
viewing
0-0 of 0
on Discover's secure website
Rating 5.0
on Discover's secure website
Rating 5.0
on Citi's secure website
Rating 5.0
on Citi's secure website
Rating 4.4
on Capital One's secure website
Rating 5.0
on Capital One's secure website
Rating 4.4
on Capital One's secure website
Rating 4.0
on Discover's secure website
Rating 5.0
on Citi's secure website
Rating 4.5
on Capital One's secure website
Rating 4.4
on Citi's secure website
Rating 4.9
on Discover's secure website
Rating 4.5
on Citi's secure website
Rating 3.8
CREDIT CARD BASICS
CREDIT HISTORY
Excellent/Good
Excellent/Good
Excellent, Good
Excellent, Good
Excellent, Good
Excellent, Good
Excellent/Good
Average, Fair, Limited
Excellent/Good
Excellent, Good
Average, Fair, Limited
Excellent, Good
New/Rebuilding
Limited History/No Credit/New to Credit
Poor/Fair/Limited/Damaged
See website for Details*
Bad
CARD CATEGORY
Consumer
Consumer
Consumer
Consumer
ConsumerCard
ConsumerCard
Consumer
ConsumerCard
Consumer
Consumer
ConsumerCard
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
BANK
Discover Card
Discover Card
Citibank®
Citibank®
Capital One
Capital One
Wells Fargo Bank
Capital One
Discover Card
Citibank®
Capital One
Citibank®
Discover Card
Citibank®
Applied Bank®
Celtic Bank
Horizon Card Services
ISSUING COUNTRY
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
RATES
INTRO APR ON PURCH
0% Intro APR (15 months)
0% Intro APR (15 months)
0% (15 months)
N/A
0% intro on purchases (for 15 months)
N/A
0% intro APR for up to 21 months from account opening
N/A
0% Intro APR (15 months)
N/A
N/A
0% (12 months)
N/A
N/A
N/A
See website for Details*
n/a
INTRO APR ON BT
0% Intro APR (15 months)
0% Intro APR (15 months)
0% (15 months)
N/A
0% intro on balance transfers (for 15 months)
N/A
0% intro APR for up to 21 months from account opening on qualifying balance transfers
N/A
0% Intro APR (15 months)
0% (18 months)
N/A
0% (21 months)
10.99% Intro APR (6 months)
N/A
N/A
See website for Details*
n/a
REGULAR APR
15.74% - 26.74% Variable APR
15.74% - 26.74% Variable APR
17.24% - 27.24% (Variable)
19.74% - 27.74% (Variable)
17.99% - 27.99% (Variable)
18.99% - 26.99% (Variable)
16.74% - 28.74% variable APR
28.49% (Variable)
15.74% - 26.74% Variable APR
17.74% - 27.74% (Variable)
28.49% (Variable)
16.74% - 27.49% (Variable)
26.74% Variable APR
26.24% (Variable)
9.99% Fixed
24.99% - 29.99% (Variable)
0.00%
FEES
APPLICATION PROCESSING FEE
See terms
See terms
See terms
See terms
See terms
See terms
Review terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
None
See Terms*
See terms
ANNUAL FEE
$0
$0
$0
$95
$0
$95
$0
$0
$0
$0
$39
$0
$0
$0
$48
See website for Details*
See terms
BALANCE TRANSFER FEE
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
5% of each balance transfer; $5 minimum.
3%
$0 at this Transfer APR
3% for 120 days from account opening, then up to 5%; min: $5
$0 at this Transfer APR
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
$0 at this Transfer APR
5% of each balance transfer; $5 minimum.
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
5% of each balance transfer; $5 minimum.
N/A
N/A
See terms
LATE PAYMENT FEE
None the first time you pay late. After that, up to $41.
None the first time you pay late. After that, up to $41.
Up to $41
Up to $41
Up to $40
Up to $40
Review terms
Up to $40
None the first time you pay late. After that, up to $41.
Up to $41
Up to $40
Up to $41
None the first time you pay late. After that, up to $41.
Up to $41
Up to $38
Up to $41.00
$20
FOREIGN TRANSACTION FEE
None
None
3%
0%
None
None
3%
None
None
3%
None
3%
None
3%
3% of each transaction in U.S. dollars.
3% of each transaction in U.S. dollars.
See terms
REWARDS
SPEND BONUS
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
Unlimited Cashback Match - Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.µ
N/A
EARNING REWARDS
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Earn unlimited 1.25X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Earn unlimited 2X miles on every purchase, every day
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
REDEMPTION OPTIONS
Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Every $1 you earn in cash back is $1 you can redeem.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Every $1 you earn in cash back is $1 you can redeem.
Redeem cash back for a check, statement credit, direct deposit; or convert to pointsµ
Redeem your cash back for any amount.µ
Redeem your rewards for cash in any amount.µ
TRAVEL FEATURES
OTHER FEATURES
GUARANTEED APPROVAL
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
RESPONSE IN 60 SECONDS
No
No
No
No
No
No
No