10 dollars or three% to 5%, whichever is better. Be sure to consider the charges when exploring a stability transfer. And if you choose a card with only 0% balance switch APR, you'll doubtless be assessed interest on any new purchases. Carrying a stability sometimes nullifies your grace interval. Rewards: Earn four Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® factors per dollar at U.S. Three Membership Rewards® points per greenback on flights booked straight with airways or by way of American Categorical journey and 1 point per dollar on different eligible purchases.

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