Top Credit Card Offers for 2025

Whether you’re looking for a card with a great balance transfer offer, fantastic rewards, or no annual fee, there’s a credit card out there to suit your needs. Here are some of the top credit card offers available in 2025:

Bank Americard Credit Card

• Balance Transfer Offer: 0% Intro APR for 18 billing cycles for purchases and any balance transfers made in the first 60 days.
• Regular APR: 16.24% – 26.24%
• Annual Fee: $0

Bank of America Customized Cash Rewards

• Balance Transfer Offer: 0% Intro APR for 15 billing cycles for purchases and any balance transfers made within the first 60 days.
• Regular APR: 18.24% to 28.24%
• Sign Up Bonus: Online $200 cashback with $1,000 spend in the first 90 days.
• Cashback/Points: Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, at grocery stores, and wholesale clubs; then earn unlimited 1% cashback.
• Annual Fee: $0

Bank of America Travel Rewards

• Balance Transfer Offer: Introductory 0% APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days.
• Regular APR: 18.24% to 28.24%
• Good For: No Penalty APR
• Sign Up Bonus: 25,000 bonus points
• Cashback/Points: Unlimited 1.5 points on every $1 (no expiration). Preferred Rewards members can earn 25%-75% more points on every purchase.
• Annual Fee: $0

Bank of America Unlimited Cash Rewards Credit Card

• Balance Transfer Offer: 0% Intro APR for 15 billing cycles for purchases and any balance transfers made within the first 60 days.
• Regular APR: 18.24% to 28.24%
• Good For: Unlimited 1.5% cashback
• Sign Up Bonus: Online $200 cashback with $1,000 spend in the first 90 days.
• Cashback/Points: Unlimited 1.5% cashback with no limit or expiration. Preferred Rewards members can earn 25%-75% more cashback.
• Annual Fee: $0

Citi Custom Cash Credit Card

• Balance Transfer Offer: 0% Intro APR on purchases and balance transfers for 15 months (completed within the first 4 months).
• Regular APR: 19.24% to 29.24%
• Good For: Automatic Bonus Category
• Sign Up Bonus: $200 cashback with $1,500 spend in the first 6 months.
• Annual Fee: $0

Citi Diamond Preferred Credit Card

• Balance Transfer Offer: 0% Intro APR for 12 months (completed within the first 4 months) & 0% APR for 21 months on balance transfers.
• Regular APR: 18.24% – 28.99%
• Good For: Excellent Credit
• Annual Fee: $0

Citi Double Cash Credit Card

• Balance Transfer Offer: 0% Intro APR on balance transfers for 18 months (completed within the first 4 months).
• Regular APR: 19.24% – 29.24%
• Good For: Up to 2% Cash Rewards
• Cashback/Points: 2% on purchases with 1% cashback when you buy, plus an additional 1% as you pay for those purchases (no cap).
• Annual Fee: $0

Citi Rewards+ Credit Card

• Balance Transfer Offer: 0% Intro APR on purchases and balance transfers for 15 months.
• Regular APR: 18.74% – 28.74%
• Good For: Everyday Cashback
• Sign Up Bonus: 20,000 bonus points with $1,500 spend in the first 90 days.
• Cashback/Points: Automatically rounds up to the nearest 10 points on every purchase. Earn double ThankYou® Points at supermarkets and gas stations for the first $6,000 per year—and earn a 10% bonus on the first 100,000 ThankYou® Points you redeem each year. For a limited time, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked on the Citi TravelSM portal through June 30, 2024; excludes air travel.
• Annual Fee: $0

Citi Simplicity Credit Card

• Balance Transfer Offer: 0% Intro APR for 12 months & 0% Intro APR for 21 months on balance transfers (completed within the first 4 months).
• Regular APR: 19.24% – 29.99%
• Good For: No Late Fee
• Annual Fee: $0

Discover NHL Credit Card (Any Team)

• Balance Transfer Offer: 0% Intro APR for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until December 10, 2023.
• Regular APR: 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
• Good For: Hockey Fans
• Sign Up Bonus: Unlimited cashback match for the first 12 months.
• Cashback/Points: 5% cashback on rotating categories (up to $1,500 quarterly, then 1%) 1% all other.
• Annual Fee: $0

DiscoverIT Balance Transfer Credit Card

• Balance Transfer Offer: 18 months
• Regular APR: 11.99% – 22.99%
• Good For: Rotating category Cashback
• Sign Up Bonus: Unlimited cashback match for the first 12 months.
• Cashback/Points: 5% cashback on rotating categories (up to $1,500 quarterly, then 1%) 1% all other.
• Annual Fee: $0

DiscoverIT Cash Back Credit Card

• Balance Transfer Offer: 0% Intro APR for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until December 10, 2023.
• Regular APR: 17.24% – 28.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
• Good For: Intro Offer
• Sign Up Bonus: Unlimited cashback match for the first 12 months.
• Cashback/Points: 5% cashback on rotating categories (up to $1,500 quarterly, then 1%) 1% all other.
• Annual Fee: $0

DiscoverIT Gas & Restaurants Credit Card

• Balance Transfer Offer: 0% Intro APR for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until December 10, 2023.
• Regular APR: 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
• Good For: Intro Offer/Everyday card
• Sign Up Bonus: Unlimited cashback match for the first 12 months.
• Cashback/Points: 2% cashback at gas stations and restaurants up to $1,000 per quarter, 1% cashback on all other purchases.
• Annual Fee: $0

DiscoverIT Student Cash Back Credit Card

• Balance Transfer Offer: 0% Intro APR for 6 months on purchases.
• Regular APR: 18.24%-27.24%
• Good For: Students
• Sign Up Bonus: Unlimited cashback match for the first 12 months.
• Cashback/Points: 5% cashback on rotating categories (up to $1,500 quarterly, then 1%) 1% all other.
• Annual Fee: $0

DiscoverIT Student Chrome Credit Card

• Balance Transfer Offer: 0% Intro APR for 6 months on purchases.
• Regular APR: 18.24% – 27.24%
• Good For: Students
• Sign Up Bonus: Unlimited cashback match for the first 12 months.
• Cashback/Points: 2% cashback at gas stations and restaurants up to $1,000 per quarter, 1% cashback on all other purchases.
• Annual Fee: $0

DiscoverIT Travel Credit Card

• Balance Transfer Offer: 0% Intro APR for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until December 10, 2023.
• Regular APR: 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.
• Good For: Travel Rewards
• Sign Up Bonus: Unlimited miles match for the first 12 months.
• Cashback/Points: Unlimited 1.5x miles per $1 spend.
• Annual Fee: $0

Elan Financial

• Balance Transfer Offer: 0% APR for 6 billing cycles if done within the first 186-562 days (depending on the bank).
• Regular APR: 19.74% to 29.74%
• Good For: Debt Weapon
• Sign Up Bonus: Depends on the bank
• Cashback/Points: Depends on the bank
• Annual Fee: Depends on the bank