When it comes to transferring a balance on your credit card you likely want to know about balance transfers, right?
Now, you should first know that you can only transfer an amount up to the total of the credit limit on that card. That means if you have a credit limit of $1,000 you can only transfer a balance of $1,000 (plus whatever fees you’re charged) even if the amount you’d like to transfer is $2,000.
What’s really happening here is that you’re using one credit card to pay off the balance of the other credit card. This can be a good idea if you’re able to get a new credit card that actually offers you a 0% interest rate.
You’ll be able to save a lot of money on the interest that you would have been paying with the first credit card if you left the balance on the first one.
That’s one of the biggest reasons that people choose to make these types of balance transfers.
Card | Rewards | 0% Intro | Annual Fee |
| 1% – 5% | 18 months on balance transfers | $0 |
|---|---|---|---|---|
| 1X – 2X
2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
| 15 months on purchases | $0 | |
| None | 12 months on purchases and 21 months on balance transfers | $0 | |
| 2%
2% cash rewards on purchases (unlimited)
| 15 months on purchases and qualifying balance transfers | $0 | |
| 1% – 8%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel.
| 15 months on purchases and balance transfers | $0 | |
| None | 20 billing cycles on purchases and balance transfers | $0 |
Citi® Diamond Preferred® Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Citi Diamond Preferred Card is highlighted for its impressive 0% introductory APR offer for 21 months on balance transfers and 12 months on purchases , and ongoing APR of 18.24% – 28.99% (Variable). This can be beneficial for individuals seeking to pay off existing high-interest debt.
Pros include the extended introductory APR periods, a potentially lower ongoing APR compared to the average, and no annual fee. Additionally, the card allows flexibility with payment due dates and provides a free FICO credit score online.
However, the card lacks a rewards program, making it less appealing for long-term use, especially for those interested in earning cash back or travel points. The balance transfer fee ($5 or 5% (the greater)) is relatively high compared to other balance transfer cards.
- APR: 18.24% – 28.99% (Variable)
- Annual fee: $0
- Balance Transfer Fee: $5 or 5% (the greater)
- Foreign Transaction Fee: 3%
- Rewards Plan: None
- Sign Up bonus: None
- 0% APR Introductory Rate period: 21 months on balance transfers and 12 months on purchases
- Extended Introductory APR
- No Annual Fee
- Flexibility with Payment Due Dates
- Free FICO Credit Score
- No Rewards Program
- High Balance Transfer Fee
- No Welcome Offer
Can I apply for the Citi Diamond Preferred Card with average credit?
While it may be difficult, it's possible to get approved with fair credit for the Citi Diamond card, as long as you meet other criteria.
Can I transfer balances at any time to qualify for the introductory APR?
To qualify for the introductory APR on balance transfers, transfers must be completed within four months of account opening.
Are there any specific perks for Citi Diamond Preferred cardholders?
Yes, cardholders have access to Citi-specific perks like Citi Flex Loans, Citi Entertainment, and Citi Easy Deals.
Can I choose my payment due date with this card?
Yes, cardholders have the flexibility to select their preferred payment due date.
What is the balance transfer fee for the card?
The balance transfer fee is $5 or 5% (the greater).
BankAmericard
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
While the BankAmericard doesn't come with a rewards program, its focus on balance transfers, introductory APR, and security features makes it a practical choice for individuals seeking to streamline their debt repayment strategy and monitor their credit profile.
The BankAmericard® Credit Card offers a 0% introductory APR for 21 billing cycles on purchases and balance transfers made within the first 60 days, followed by a variable APR of 16.24% – 26.24% Variable APR. . No annual fee applies, but a 3% or $10, whichever is greater fee is charged for balance transfers.
- APR: 16.24% – 26.24% Variable APR.
- Annual fee: $0
- Balance Transfer Fee: 3% or $10, whichever is greater
- Foreign Transaction Fee: 3%
- Rewards Plan: N/A
- Sign Up bonus: N/A
- 0% APR Introductory Rate period: 21 billing cycles on purchases and balance transfers made within the first 60 days
- 0% APR Introductory Promotion
- No Penalty APR
- Access to Your FICO Score
- No Rewards
- No Late Fee Waiver
- Limited Other Benefits
Does the BankAmericard have a rewards program?
No, the BankAmericard does not have a rewards program; however, it focuses on features like balance transfers and enhanced security.
Is there a balance transfer fee?
Yes, there may be a balance transfer fee of 3% or $10, whichever is greater associated with transferring balances during the introductory period.
What security features does the BankAmericard offer?
The BankAmericard provides enhanced security features to protect against unauthorized transactions, ensuring cardholder peace of mind.
Can I access my credit score with the BankAmericard?
Yes, cardholders can access their FICO® Score for free, helping them monitor and manage their credit health.
Citi Simplicity® Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
If you need a card that will give you the freedom to pay off your debt without pesky fees, Simplicity by Citi offers you a perfect solution. While this is not the best rewards card of Citibank, it offers the longest 0% intro on balance transfer.
The main benefit the card offers is the long 0% intro APR – it applies for 12 months on purchases and 21 months on balance transfers (19.24% – 29.99% (Variable) after that), so the card can be a perfect fit if you need to payoff your debt or in case you plan a big purchase soon.
- APR: 19.24% – 29.99% (Variable)
- Annual fee: $0
- Balance Transfer Fee: $5 or 5% (whichever is greater)
- Foreign Transaction Fee: 3%
- Rewards Plan: None
- Sign Up bonus: None
- 0% APR Introductory Rate period: 12 months on purchases and 21 months on balance transfers
- No Annual Fee
- Long 0% intro APR
- Citi Perks
- No Rewards System
- 5% Balance Transfer Fee
The Amex EveryDay® Credit Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
Rates & Fees, Terms Apply
The Amex EveryDay® Credit Card is a very good option among rewards cards for individuals that rank up spending at the grocery checkout and gas pump. The Everyday card offers 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases. Terms Apply.
It also offers a nice welcome bonus – 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months. Lastly, you'll enjoy 0% intro for 15 months on purchases , so if you plan a big purchase – it's another reason to consider this card.
- APR: 18.24% – 28.24% Variable
- Annual fee: $0
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: 2.7%
- Rewards Plan: 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases. Terms Apply.
- Welcome Bonus: 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
- 0% APR Introductory Rate period: 15 months on purchases
- Welcome Bonus
- Rewards Plan
- No Annual Fee
- 0% APR Introductory
- No Balance Transfer Fee
- Foreign Transaction Fee
- Variations in Reward Points’ Worth
- Cap on higher cashback rewards
- Not as Widely Accepted as Other Cards
- Is there a limit to cash back? You can get the premium cashback rate on groceries until you have annual purchases in this area of $6,000. The rate then goes to 1%.
- Can I get car rental insurance with Amex Everyday Card? Yes, you will get this insurance if you refuse the car rental company’s insurance coverage and you pay for the entire cost of the rental with this card.
- Can I get pre-approved? Yes, you can get pre-approval.
- What is the initial credit limit? It will be at least $1,000 and usually greater.
- How do I redeem cash back? The rewards will be credited to you in the form of a statement credit.
- What purchases don't earn cash back? All purchases currently will earn some level of cashback with this card.
- Should You Move to Amex Everyday Card? If you are looking for a good all-round card that has some solid rewards and no annual fee.
- Why did Amex deny me? What to Do Next? You might not have met some requirements. You can ask the customer support team where your application failed and seek a remedy to this situation.
- How to maximize rewards on Amex Everyday Card? Take advantage of the welcome bonus and make sure that you know what selected stores are eligible for the premium cashback rates.
- Top reasons NOT to get the Everyday Card? You spend enough on the likes of groceries that mean you will benefit from the Preferred card more than the Everyday card.
Wells Fargo Reflect℠ Card
Wells Fargo Reflect℠ Review
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Wells Fargo Reflect℠ Card offers one of the longest 0% intro APR in the market – 21 months on purchases and balance transfers (18.24% to 29.99% variable APR after that), which mainly relevant for those who are looking to pay off their debt or planning a big purchase in the next couple of months.
The card also offer perks such as Roadside Dispatch – 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. You're eligible for cell phone protection (up to $600 worth) and zero liability protection – you will not be held responsible for any unauthorized transactions that you have promptly reported
However, while there is no annual fee attached, the card doesn't offer any type of cash back rewards or sign up bonus, so if you're looking for rewards you may choose another card.
- Rewards Plan: N/A
- APR: 18.24% to 29.99% variable APR
- Annual fee: $0
- Balance Transfer Fee: 5$ or 5% (the greater)
- Foreign Transaction Fee: 3%
- Sign Up bonus: N/A
- 0% APR Introductory Rate period: 21 months on purchases and balance transfers
- No Annual Fee
- 0% APR Introductory Rate
- Roadside Dispatch
- Cell Phone + Zero Liability Protection
- No Cashback Rewards
- No Welcome Bonus
- Foreign Transaction Fee
- Balance Transfer Fee
Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance. Please review the specific details before, to make sure you're covered as needed.
There are no out and out income requirements and normally you will not have to provide proof of income.
Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.
You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.
You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.
Yes, you can get pre-approval when you are signing up for a Wells Fargo ReflectSM Card. This allows you to see if you can get your hands on this card without needing a hard credit check.
The credit limit for this type of credit card is usually at least $500. The exact limit will depend on your personal financial situation that you have outlined in your application.
Chase Slate Edge
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Chase Slate Edge℠ is a no-annual-fee credit card designed to assist in debt repayment. It offers a 0% introductory APR for 18 month on purchases and balance transfer , with a variable APR of 16.49%-25.24% Variable thereafter. Notably, cardholders can annually lower their interest rate by 2% by spending at least $1,000 and making timely payments. The My Chase Plan feature allows fixed monthly fee payments for purchases instead of accruing interest.
Pros of the card include no annual fee, an extended 0% intro APR period, the ability to reduce the interest rate annually, and tools for credit building such as automatic credit limit reviews. However, it lacks a welcome bonus and does not earn rewards. The card imposes a 3% foreign transaction fee on purchases made abroad.
- Rewards Plan: None
- APR: 16.49%-25.24% Variable
- Annual fee: $0
- Balance Transfer Fee: $5 or 5%
- Foreign Transaction Fee: 3%
- Sign Up bonus: None
- 0% APR Introductory Rate: 18 month on purchases and balance transfer
- No Annual Fee
- Annual Interest Rate Reduction
- My Chase Plan
- Credit Building Tools
- No Welcome Bonus Or Rewards
- Foreign Transaction Fee
- Balance Transfer Fee
Can I lower my interest rate with the Chase Slate Edge℠?
Yes, you can reduce your interest rate by 2% annually by spending at least $1,000 and making timely payments.
Can the card help build credit?
Yes, the card offers credit-building tools, including automatic credit limit reviews.
How can I access credit monitoring services with the card?
Cardholders gain access to credit monitoring services as part of the card's features.
What are the eligibility criteria for an automatic credit limit review?
An automatic credit limit review occurs after spending $500 in the first six months and making timely payments.
Is the Chase Slate Edge℠ suitable for ongoing rewards?
No, the card is more focused on debt consolidation and repayment rather than earning ongoing rewards.
Capital One SavorOne Rewards
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Capital One SavorOne Cash Back rewards credit card is a no annual fee card that will help you earn cash back rewards on everyday activities, but also can be a great option for balance transfers. It offers Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel..
The card offers a long period of 0% intro – 15 months on purchases and balance transfers (19.99% – 29.99% variable after that), as well as sign up bonus of $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Overall, in addition to the nice cashback rate, the card has a variety of potential uses such as payoff your debt, buying a large item with no annual fees
- Rewards Plan: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel.
- APR: 19.99% – 29.99% variable
- Annual fee: $0
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- 0% APR Introductory Rate period: 15 months on purchases and balance transfers
- Sign Up Bonus
- No Rotating Spending Categories
- Cash Back Rewards
- No Annual Fee
- 0% APR on Balance Transfers and Purchases
- Redemption Limitss
- Balance Transfer Fee
- High credit Needed
- High APR
- Can I get car rental insurance with SavorOne Card? Yes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
- Does SavorOne Card ask for proof of income? No out and out request for proof of income and no transparent income requirements.
- What is the initial credit limit of card SavorOne Card? The credit limit will be at least $5,000.
- How do I redeem cash back? You can get them sent to you in the form of a check, as a statement credit, or get them given to you through gift cards.
- What purchases don't earn cash back with the SavorOne Card? All purchases will earn you cashback.
- Should You Move to SavorOne Card? If you want access to a good range of rewards without any annual fee.
- How hard is it to get SavorOne Card? Not awfully hard, but you'll need at least a good credit score.
- How to Use SavorOne card Benefits? Use this card for the premium cashback types of purchases and maximize the signup offer.
- What are the top Reasons NOT to get the SavorOne Card? If you can get better cashback rates elsewhere in equally as a cost-effective manner.
U.S. Bank Visa® Platinum Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The US Bank Visa Platinum card is for people who are looking to either finance a major purchase or pay off a debt interest-free through its long 0% intro . It is one of the best credit card options in the market for a one-time buy. This is because the card does not charge an annual fee, and offers a long zero percent introduction offer on an interest rate for all purchases.
The card does not earn you any rewards, such as the other cards above do, but it comes with very many benefits such as cell phone insurance. For everyday spending and uses, many customers will find that other cards offering rewards and cash back will be a better value.
- Rewards Plan: None
- APR: 18.74% – 29.74% (Variable)
- Annual fee: $0
- Balance Transfer Fee: $5 or 3% (the greater)
- Foreign Transaction Fee: 3%
- Sign Up bonus: None
- 0% APR Introductory Rate period: 20 billing cycles on purchases and balance transfers
- 0% APR Introductory Rate on Balance Transfers and Purchases in the First 20 Months
- No Annual Fee
- Cell Phone Protection
- Free Credit Score
- No Sign-Up Bonuses
- No Rewards
- Balance Transfer Fee
Find The Best Balance Transfer Card
Who Should Use a Balance Transfer?
If you’re currently saddled with high interest rates on your credit cards, you may want to look at a balance transfer. It can move your debt from that high interest to a card that has low or no interest (at least for a period of time).
If you’re carrying a lot of different credit cards that all have balances on them and all have high-interest rates you may want to take a closer look at that as well. Especially if you’re struggling to try and keep everything in check and make all of your monthly payments.
If you can put everything onto a single card that just might make a big difference for you and improve your ability to make the payments you need to. Also, for those who simply don’t want to have to deal with the hassle of paying a lot of payments in a single month this type of process is actually going to consolidate your debt at the same time.
So you won’t have to worry about keeping track of those different payment dates.
Factors to Consider When Choosing a Balance Transfer Credit Card?
- How Long is the Intro Period?
You want to make sure that you know how long you have with that 0% interest rate.
After all, it’s only going to give you a set amount of time (usually 12 to 18 months).
After you get to that point you’re going to have to pay interest, so you want to make sure that you’re getting as long of a period as you can.
It’s going to help you rack up the payments without all your money going into the interest and not really taking down the debt itself.
- APR
- Balance Transfer Fee
If you’ve just opened a new account or if you have one of the really good cards you may actually get free balance transfers for a short amount of time.
Otherwise, you’re generally going to be paying as much as 3-5% of the amount that you transfer over.
Now, you want to make sure that you look at the rules if you do have an offer for no fee balance transfers and see how you can actually make it work.
- Foreign Transaction Fee
If you’re using your card to make any type of purchase in a foreign currency you can be charged this fee.
And that doesn’t even mean you have to be in a different country. You can be charged it anytime the currency that’s billed isn’t U.S. currency.
- Credit Limit
- Annual Fees
These are the fees that are charged to you each year and they basically only allow you to have the card.
If you’re using a balance transfer card you’re generally not going to have one of these fees.
- Overall Fees
For those who are able to pay off their credit cards each month you don’t really need to worry a lot about interest because you’re already taking care of that problem.
It’s something you could just worry about at a later time.
But any credit card that you have is going to have some type of fees. If you aren’t going through all of the details on your credit card application that’s okay.
You generally get all of these fees listed right in the main body of the information. You want to be looking for things like:
Pros and Cons of Balance Transfers Cards
Before choosing a balance transfer card, make sure you fully understand the pros & cons of such type of cards:
Pros | Cons |
|---|---|
Low Introductory APR | Usually No Rewards |
Debt Consolidation | Limits on Transfers |
Potentially Increase Your Credit | Balance Transfer Fee |
- Low Introductory APR
You can cut down on how long you’re going to be in debt by working with a low APR.
That’s because more of the money that you pay is actually going to the debt itself and not to the interest rate.
- Debt Consolidation
If you’re looking to turn all those payments into a single payment you’re definitely going to want to take a look at this option.
It lets you pull everything into one card, with one interest rate (and 0% is a great way to go) and a single payment. All of that is going to make it easier for you to keep track of everything.
- Potentially Increase Your Credit
This isn’t necessarily guaranteed, but it’s actually possible to lower your debt to credit ratio or your credit utilization rate.
Then you can improve the credit rating that you’re given.
- Usually No Rewards
The downside is you’re not going to get a balance transfer card that also offers you rewards.
This means you’re not going to get the benefits that you might get on some of the other cards that you’ve been checking out.
- Limits on Transfers
You may not be able to transfer all of the different types of debt that you were hoping to. There are situations where you may not be able to transfer from specific types of accounts as well.
- Balance Transfer Fee
Usually, you'll need to pay a balance transfer fee. However, there are some cards that waive this fee in the first 60 days after card opening.
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Balance Transfer Card Requirements
In general, you’re going to need to meet a few important requirements in order to get a balance transfer card.
For one thing, you usually need a FICO score of at least 650. You may want to check out what the website of the company says because it may tell you that you can get a card with a poor, average or good score.
You may also be able to prequalify for a credit card, which is going to be an even more important aspect.
Note that your debt-to-income ratio is going to be an important aspect to getting that card, as well as the credit score you have.
If you have delinquent accounts or bankruptcy declarations you may have trouble.
How To Maximize Your Balance Transfer Credit Card?
When you apply for a new credit card, you have to make sure you use all the new card features and maximize its benefits:
- Take Advantage Of Introductory Period
Make the absolute best of the balance transfer intro period. Use this time to transfer as much as you can and to make as big of a dent in it as you possibly can. All of your money is going to the debt now, not toward an interest payment and you want to make sure that you’re getting as much paid down as you can.
If you aren’t making payments and getting it paid down even when it’s at 0% you may want to look into a new option.
- Use the Balance Transfer
You may be able to get a low APR (not 0%) and also get the balance transfer fee waived. If that’s available you definitely want to see how you can make it work for you and if it’s going to help you pay down that debt even faster.
Look at the situation you’re in and make sure you know what you’re getting into.
- Pay Attention to Terms
There are always going to be terms and conditions so you want to make sure you look at those. You may want to spend on your 0% credit card, but first, you want to be sure that your interest rate applies to new purchases as well as transfers.
Plus, you want to make sure you’re not using the card you just transferred a balance from. You may only be able to use the 0% or low rate for a transfer and you may have new purchases billed at a high-interest rate. Make sure that you know exactly what you’re getting into and just how you’re going to be billed and charged for the interest.
- Keep Making Payments
If you have a payment due on your credit card balance and it hasn’t transferred to the new card yet you want to make sure that you are still making the payments. Don’t skip out because you’re in the process of a transfer. Make sure that you pay attention to the due dates and keep them up until you get a confirmation that the transfer has happened.
You may even want to make sure that once you get the transfer completed you have automatic payments set up. If you’re late even once you could actually end up losing out on the promotional rate or offer that you’ve been given. You definitely don’t want that.
- Make a Plan
You should be paying attention to just how you’re actually going to pay off that balance transfer.
After all, you want to do as much of it as you can before the promotional period is gone.
Also, make sure you know how you’re going to pay for any other balances that you weren’t able to transfer at the same time.
Balance Transfer or Personal Loan?
You may have been told that it’s only a good idea to get a balance transfer if you can pay it off during the promo period. After all, once that ends you’ll have a much higher rate of interest again. On the other hand, a personal loan has a fixed rate of interest that can be appealing.
The downside is that you’re going to have a secured loan with a personal loan. That means you’re going to have to put something in the mix as your collateral and that may not be something you want to get involved with. The creditor could come after your assets if there’s ever a problem with the payments.
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How We Picked The Best Balance Transfer Cards: Methodology
To select the best balance transfer with 0% intro APR credit cards, our team meticulously analyzed various offerings from issuers, including major banks and credit unions. We rated these cards based on four key categories tailored for individuals seeking to manage their credit card debt effectively:
Introductory Balance Transfer Offer (40%): We evaluate the terms of the introductory balance transfer offer, including the duration of the 0% APR period, the balance transfer fee, and any restrictions on eligible balances. Cards with longer 0% APR periods, lower balance transfer fees, and fewer restrictions receive higher scores in this category.
Features & Benefits (30%): This category assesses additional features that enhance the overall value of the card for balance transfer purposes, such as introductory APR offers on purchases, absence of annual fees, and complimentary credit monitoring services. Cards offering a wide range of benefits without excessive fees earn higher scores.
User Experience (20%): We examine the ease of the balance transfer process, customer service quality, and online account management tools. Cards with streamlined balance transfer procedures, responsive customer support, and user-friendly mobile apps or online portals receive higher ratings, ensuring a seamless experience for cardholders.
Issuer Reputation (10%): We scrutinize each issuer's reputation, considering customer feedback, financial stability, and regulatory standing. Issuers with positive reviews from cardholders and a history of responsible lending practices receive higher ratings in this category.
This comprehensive evaluation ensures that the best balance transfer with 0% intro APR credit cards offer attractive terms, valuable benefits, and a seamless user experience, helping individuals effectively manage their credit card debt while maintaining a positive relationship with the issuer.
- All information about The Amex EveryDay® Credit Card has been collected independently by The Smart Investor. The Amex EveryDay® Credit Card is no longer available through The Smart Investor.
