Investopedia’s independent research found Venmo the best money transfer app for sending money to family and friends in the U.S., thanks to its convenience and low fees.

Average APRs have inched down slightly, but you should focus on lowering your credit card balance as soon as you can.

offering a simpler way to optimize rewards. But the sign-up bonus is a bit of a moving target, and you must use the Venmo app to get the card.