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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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4.2/5.0 from 1,515 Offer Ratings
Over the Past 60 Days!

(1,515) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.99% - 23.99%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee*
  • Free access to FICO® Scores*

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Discover it® Cashback Match™

 

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3.7/5.0 from 1,329 Offer Ratings
Over the Past 60 Days!

(1,329) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 1,349 Offer Ratings
Over the Past 60 Days!

(1,349) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Capital One® VentureOne® Rewards Credit Card

 

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4.3/5.0 from 620 Offer Ratings
Over the Past 60 Days!

(620) Over the Past 60 Days!
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Regular Purchase APR 12.99% - 22.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.9/5.0 from 493 Offer Ratings
Over the Past 60 Days!

(493) Over the Past 60 Days!
  • Introductory APR 0% for 9 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 13.99% - 23.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 360 Offer Ratings
Over the Past 60 Days!

(360) Over the Past 60 Days!
  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Wells Fargo Platinum Visa® Card

 

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4.0/5.0 from 356 Offer Ratings
Over the Past 60 Days!

(356) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.5/5.0 from 744 Offer Ratings
Over the Past 60 Days!

(744) Over the Past 60 Days!
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 295 Offer Ratings
Over the Past 60 Days!

(295) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

See additional details for BankAmericard® Credit Card

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Lovette Streets

By: | Oct 12, 2017

This is a well-laid-out site and was very helpful in determining which card is best for me. Thanks.

Picture of Donna Mock Redd

By: | Sep 27, 2017

In trying to rebuild credit, what would be the best card to use? I have had issues in the past and have paid off all cards. However, I need to rebuild some positive credit. To date, the only thing on my report shows paid off delinquent accounts.

1 Reply

By: Cherrie Mckinstry | Oct 2, 2017

Continue to us your credit card but buy something for a couple dollars and just pay it. You don't have to buy an expensive item or just stuff to make monthly payments with. they check spending habits and your ability to avoid buying impulse items that will rack up your bill. Do you save any money in an account other than checking?

Picture of Phyllis Pruett

By: | Sep 23, 2017

I really enjoy using my Chase Visa Credit Card....I would highly recommend it over all the cards. Also, I have a Discover It card as well. I use it from time to time as well.....

Picture of Dee White-Rush

By: | Sep 3, 2017

Can you use any of these cards internationally without fees?

3 Replies

By: CompareCards | Sep 7, 2017

Check out our page for credit cards with no foreign transaction fees to see all the best options for traveling overseas!

By: CompareCards | Sep 7, 2017

Check out our page for credit cards with no foreign transaction fees to see all the best options for traveling overseas!

By: Felicia Moreno Mikolajczak | Oct 14, 2017

YES, I have my from back of America travel rewards, l can use it internationally without any fee, I love it.

Picture of Lisa Hardesty Mariani

By: | Aug 31, 2017

Is there a card that offers 0% interest with travel rewards?

1 Reply

By: CompareCards | Sep 1, 2017

Check out the Capital One® VentureOne® Rewards Credit Card!

Picture of Debbie Doney

By: | Aug 28, 2017

I am interested in a credit card that I could transfer other credit card balances so I could have one monthly payment instead of many monthly payments. What would you suggest?

1 Reply

By: CompareCards | Sep 1, 2017

This would be possible with most balance transfer credit cards. Check out our balance transfer credit cards page to see all of the best options!

Picture of Gary Saracene

By: | Aug 23, 2017

The best card is one that has a long interest free time period and has no fee on the balance being transferred.

3 Replies

By: Emily Knight | Aug 25, 2017

You will get no argument from me. That is ideal.

By: Carol R. Smith | Aug 28, 2017

Which one is that? Maybe I missed some information,

By: Tania Rastrow | Oct 16, 2017

check out BankAmeicard by Bank of America. No Annual fee. 0% Introductory APR for the first 15 months. If you do the Balance Transfer within the first 60 days of account opening, the BT fee is waived!!!

Picture of Joyce Dominick

By: | Aug 9, 2017

I am new to credit cards, was wondering why would you transfer balance of your credit card..I have had my card with Capital for about a year, with an APR of 25.49%. Could/should I transfer?

14 Replies

By: CompareCards | Aug 14, 2017

Balance transfers are useful if you have an outstanding balance on a card with a very high interest rate, and you want to pay off the balance without paying interest. Opening a new credit card with an intro 0% APR on balance transfers can help you pay off your debt interest free - check out some of our best balance transfer cards here. Depending on the size of your balance and your creditworthiness, this could be a great option for you.

By: Turtle Schultz | Aug 15, 2017

I would say yes with that high interest you are paying. Don't ever pay that high of interest on a credit card that are way too many credit cards out there to get with much lower interest rates.

By: Dottie Cales Caudill | Aug 17, 2017

You will most likely have to pay a fee to transfer but in the long run you will save money by doing the transfer.

By: April Heather Cunningham | Aug 19, 2017

Joyce that is a very high APR .... you should be able to find a lower APR on the transfer .... watch for how the APR changes when the 12 mths ends or if they offer 24 mths.

By: Marcia Clary | Aug 23, 2017

Hi Joyce, It would be to your benefit to transfer the balance on your Capital One card. You will save ton of money with a 0% card by not paying that high interest rate. Something to definitely look into.

By: Emily Knight | Aug 25, 2017

Look at your balance and the interest you have been paying. If you are paying more during the same time period (lets say 21 month period) that the 0% interest is offering then it makes sense to transfer.

By: Dash Dash | Aug 26, 2017

Yes, transfer balances that way you pay no interest for so many months, good idea

By: Turtle Schultz | Sep 1, 2017

Definitely, do the transfer. Why pay them almost 26% interest when you can transfer the balance you have to a card to where you pay NO interest for over a year or more. Do you know how much money that would save you???

By: WeedMee Weedmee | Sep 16, 2017

yes, take advantage of being able to save money by transferring your debt to another credit card that can offer a much lower interest rate. However do not close the other credit card as it may lower your credit score, it is okay to leave it open with a 0 balance as long as you want.

By: Renee I. Guerrero-Adams | Sep 25, 2017

Yes, you get to save on interest at least a year 25% is way to high!

By: Tamara Dean | Oct 4, 2017

joyce hi, ...yes please please transfer your balance, that is the highest apr. I have ever seen. get a card with 0 interest for 21 months if you can. that way you can pay your card down without that high rate for at least 21 months

By: Donnie Gibson | Oct 9, 2017

chase credit card is the way to go

By: Sue King | Oct 14, 2017

Yes, yes. Yes!!! Most offer rates of 14% when the 0% time expires.

By: Turtle Schultz | Oct 15, 2017

Definitely. Transfer to a zero balance interest rate for their promo period and think of all the money you will save.

Picture of Judy Callaghan

By: | Aug 8, 2017

Wondering if I can use the Well Fargo Visa for Dental work that I need done?

2 Replies

By: CompareCards | Aug 9, 2017

As long as your purchases don't exceed your credit limit, you will be able to use the card. Try to pay off the balance as quickly as possible though in order to avoid paying fees or interest.

By: Mary Ellen Wolf | Aug 17, 2017

Hi Judy - I've used by credit card to charge for dental work all the time. It's a great way to pay.

Picture of Tess Gunst Laucks

By: | Aug 8, 2017

can you have too many credit cards? I have excellant credit, but don't use credit cards very often. Should I destroy cards I no longer use or are expired?

1 Reply

By: CompareCards | Aug 9, 2017

By rule, there is no optimal number of credit cards to have - each person's circumstances are slightly different. If you are paying an annual fee for a credit card that you rarely use, it may be a good idea to cancel the card, or call the issuer and ask them to waive the fee. However, when canceling a card, keep in mind the change in credit score that may occur. Recent or new credit cards will have very little effect on your score if they are canceled, but older credit card accounts will temporarily lower your credit score when they're canceled. You can throw away expired cards, but make sure to cut the cards in half, just in case.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

0% Credit Cards & Interest Free Credit Cards

Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.

Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR.  Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.

Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.

The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.

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" " CompareCards was one of three sites that met all the criteria.

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