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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 793 Offer Ratings
Over the Past 60 Days!

(793) Over the Past 60 Days!
  • Intro Purchase APR 0% for 21 Months*
  • Intro BT APR 0% for 21 Months*
  • Regular Purchase APR 13.24% - 23.24% (variable)
  • Annual Fee $0*
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537
  • 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 13.24% - 23.24% 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.

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Chase Slate®

 

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Your Rating:

3.8/5.0 from 940 Offer Ratings
Over the Past 60 Days!

(940) Over the Past 60 Days!
  • Intro APR 0% for 15 Months*
  • Rates & Fees No Annual Fee & Intro No Balance Transfer Fee*
  • Regular Purchase APR 13.24%-23.24% Variable
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 755 Offer Ratings
Over the Past 60 Days!

(755) Over the Past 60 Days!
  • Cashback Match™ We’ll match all the cash back you earn at the end of your first year.
  • EARN 5% Cash Back in bonus categories and 1% cash back everywhere else.
  • Redeem Any amount, any time. Cash back rewards never expire.
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good Credit

Highlights

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 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.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® Cashback Match™

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Chase Freedom Unlimited℠

 

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Your Rating:

3.9/5.0 from 638 Offer Ratings

(638)
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Sign-up Bonus Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Cash Back Details Redeem Cash Back for any amount, anytime
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

See additional details for Chase Freedom Unlimited℠

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 1,291 Offer Ratings
Over the Past 60 Days!

(1,291) Over the Past 60 Days!
  • Rewards Rate Earn 1% on Purchases & 1% on Payments*
  • Intro Balance Transfer APR 0% APR for 18 Months*
  • Regular Purchase APR 13.24 - 23.24% (variable)
  • Annual Fee $0*
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081
  • 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 13.24% - 23.24% 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 350 Offer Ratings
Over the Past 60 Days!

(350) Over the Past 60 Days!
  • Intro BT APR 0% for qualifying transfers for 18 billing cycles
  • Balance Transfer Fee 3% fee or $10 applies to each transfer
  • Regular APR 11.24% - 21.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

See additional details for BankAmericard® Credit Card

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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.7/5.0 from 211 Offer Ratings
Over the Past 60 Days!

(211) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Free Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map

See additional details for Wells Fargo Platinum Visa® Credit Card

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The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

4.0/5.0 from 312 Offer Ratings
Over the Past 60 Days!

(312) Over the Past 60 Days!
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Terms and Conditions apply

Rates & Fees
  • Introductory APRs 0% for 12 Months*
  • Bonus Rewards Earn 10,000 Points after Qualifying Purchases*
  • Regular Purchase APR 13.24% to 23.24% (Variable)*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

See additional details for The Amex EveryDay® Credit Card from American Express

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Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,257 Offer Ratings
Over the Past 60 Days!

(1,257) Over the Past 60 Days!
  • Intro Purchase APR 0% for 21 Months*
  • Intro BT APR 0% for 21 Months*
  • Regular Purchase APR 12.24% - 22.24%* (Variable)
  • Annual Fee $0*
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24% - 22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

See additional details for Citi® Diamond Preferred® Card

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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.9/5.0 from 259 Offer Ratings
Over the Past 60 Days!

(259) Over the Past 60 Days!
Apply Now Add to Compare

Terms and Conditions apply

Rates & Fees
  • Sign-up Bonus Earn $100 back after meeting spending requirements*
  • Intro APR 0% for 12 Months on Purchases and Balance Transfers*
  • Regular Purchase APR 13.24%-23.24% Variable*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.5/5.0 from 290 Offer Ratings
Over the Past 60 Days!

(290) Over the Past 60 Days!
  • Rewards Rate 1.25 miles per dollar*
  • Intro Purchase APR 0% on purchases for 12 months
  • Regular Purchase APR 12.24% - 22.24% (Variable)
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

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 of approval, 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; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire 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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*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 Tamara Wilson

By: | Sep 29, 2016

Capitol one has always been my go to card

Picture of Bev Clark Uhlman

By: | Sep 17, 2016

I have 3 or 4 of the cards listed above, i always take adv of the quarterly rewards for 5% cash back, it really adds up

Picture of Stacey Dyer

By: | Sep 14, 2016

I have a Chase Freedom Card and I'd like it very much no problems with it

Picture of Elaine Kates

By: | Sep 2, 2016

Do any of these cards have 0% with a 0% transfer fee?

1 Reply

By: CompareCards | Sep 6, 2016

The Chase Slate card is an excellent credit card for balance transfers as it offers 0% intro APR for 15 months on purchases and balance transfers and there is no fee for balance transfers made within the first 60 days of account opening.

Picture of Tom Jensen

By: | Aug 25, 2016

I believe the best card whichI have is the CITI Double cash if you pay off you bill each month 2%. If you don't you only get 1% on your purchases.

Picture of Kamal Khandelwal

By: | Aug 23, 2016

Think CITI is the best one

Picture of Mickey Cashen

By: | Aug 16, 2016

The Citi Double Cash Card (2% cash-back) is the card I use when my other no-annual-fee cards only offer 1% cash-back, which happens mostly at discount stores like Aldi or Walmart. I keep a detailed spending record and spend about $6000 at stores that my up-to-5% cards only give 1% at so the extra 1% from Double Cash means $60/year or $600/decade. It all adds up! I'm now getting $660 - $860/yr in Cash Back on avg. spending, using the right card in the right place. My latest purchases were 4% cash-back on gasoline with the Citi Costco Visa, 5% cash-back for tools/screws at Lowes with Discover, and 5% cash-back at a restaurant with Chase Freedom Visa - the latter also gives 5% off Costco and Sams Club through the end of the year. As long as you pay-off you entire credit card statements each month to avoid paying interest and stick to a budget so you don't overspend, it's foolish to pay with cash anymore - things are cheaper with cash-back cards.

Picture of Mickey Cashen

By: | Aug 10, 2016

The AmEx Blue Cash Everyday card gives 3% cash-back at groceries stores - compared to the 2% AmEx card listed here - plus the both have the same 1% on everything else and no annual fee. Discover Card and Chase Freedom Visa have rotating quarterly 5% cash-back deals that are very worthwhile: gasoline, groceries, hardware stores, restaurants, movies, Costco/Sams Club, Amazon.com, etc. Also no-annual-fee cards. Those two are my most-used credit cards, and I have several to max. my cash-back.

1 Reply

By: Steve Bagwell | Aug 26, 2016

Small correction, Costco no longer accepts AMEX only Visa.

Picture of Kathleen Calahan

By: | Aug 9, 2016

What constitutes a purchase? Does paying a bill, like utilities or hospital bill, count as a purchase?

1 Reply

By: CompareCards | Aug 11, 2016

You will have to check the specific terms and conditions on your credit card to know for sure which transactions count as a purchase, but in most cases, paying bills will count. Typically, the only charges to your credit card that do not count as a purchase are "cash equivalents" like money orders, cash advances, balance transfers, and in some cases, gift cards.

Picture of Jeri Schmidt

By: | Aug 5, 2016

I currently have a Rapid Rewards Visa & get points for airline travel on Southwest. I only travel 2-3 times a year. I do have an annual fee & I pay the balance in full every month. Is there a better card for me?

5 Replies

By: JoeJoe Lenz-Diez | Aug 7, 2016

Yes, any card that has no annual fee,

By: Marc Harrell | Aug 8, 2016

Jeri, Depending on how long you have had that card, I would not close it, because it may be a long trade on your credit report. Only you can be the judge of that. If you like rewards, then I might offer the Amex Senior Gold Charge Account. You pay it off every month and the benefits and rewards beat out all other rewards program. I am not sure if it offers a fee or not but I no they waive it the first year. Also look at the Barclay Ring Card, best rate around on a card, no frills like rewards but 8.25%. I did this professionally for 15 plus year. That southwest account is I want to say a Chase product or at least it was. I would call them and see if they can switch your product to a Slate card and earn rewards to any airlines. Please feel free to ask any questions you have....Jeri Knowledge is power and to ask makes you powerful. Dont ever trust anyone advice on this thread including myself, just check behind what I have said and you will see I am correct.

By: Jack Kirk | Aug 21, 2016

I also have the Chase Rapid Rewards Visa. It is the original one with the $69 annual fee. I use the points for two to travel one time a year across country. I run nearly all of my normal expenses through it so that I can accumulate points. Considering what my air travel would cost, I'm saving $600 - $800 a year. That is a better return than all of the "cash back' cards out there. I would not give up mine...

By: Dennis C Finch | Aug 27, 2016

CapitalOne beats all cards out no hidden agenda Venture card is my pick for my Family and QuikSilver real rewards all the time no waiting on flight seats or your money everyday all the time number one.

By: Lisa Krygier | Sep 21, 2016

But you get a 6000 point bonus every anniversary which with Southwest can easily equal a one way ticket depending where you want to go.

Page:

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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