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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 692 Offer Ratings
Over the Past 60 Days!

(692) Over the Past 60 Days!
  • Welcome Offer Earn $100 back after you spend $1,000 in the first 3 months*
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Limited Time Offer Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees

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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 625 Offer Ratings
Over the Past 60 Days!

(625) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • 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/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • 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 in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time 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.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.4/5.0 from 510 Offer Ratings
Over the Past 60 Days!

(510) Over the Past 60 Days!
  • Intro Purchase APR 0% on purchases for 12 months
  • Rewards Rate 1.25 miles per dollar
  • Regular Purchase APR 12.49% - 22.49% (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 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; 12.49%-22.49% 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

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Chase Slate®

 

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Your Rating:

3.8/5.0 from 811 Offer Ratings
Over the Past 60 Days!

(811) Over the Past 60 Days!
  • Intro APR 0% for 15 Months*
  • Rates & Fees No Annual Fee & Intro No Balance Transfer Fee*
  • Regular Purchase APR 15.49% - 24.24% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $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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Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.7/5.0 from 189 Offer Ratings
Over the Past 60 Days!

(189) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back
  • Bonus Cash $100 cash bonus after spending $500 in the first 3 months of approval
  • Cash Back Details No minimums for redeeming and rewards don't expire
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% 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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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 470 Offer Ratings
Over the Past 60 Days!

(470) Over the Past 60 Days!
  • Intro BT APR 0% for qualifying transfers for 18 billing cycles
  • Bonus Perks No annual fee and a free FICO® score
  • Regular APR 11.49% - 21.49% 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% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

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

 

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Your Rating:

4.2/5.0 from 1,551 Offer Ratings
Over the Past 60 Days!

(1,551) 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/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 APR will be 13.24% - 23.24% 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 – 21 Month Intro Offer on BT and Purchases

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 537 Offer Ratings
Over the Past 60 Days!

(537) Over the Past 60 Days!
  • Intro Purchase APR 0% for 21 Months
  • Intro BT APR 0% for 21 Months
  • Regular Purchase APR 14.24% - 24.24% (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 14.24% - 24.24% 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.

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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.9/5.0 from 489 Offer Ratings
Over the Past 60 Days!

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

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.90%-25.74% 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® Credit 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® Credit Card

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 946 Offer Ratings
Over the Past 60 Days!

(946) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% APR for 18 Months
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.24% - 24.24%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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 14.24% - 24.24% 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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*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 Pete D Warren

By: | Mar 20, 2017

Scored a free round trip from Portland OR to Frankfurt Gm for free after just a year with the Sapphire Card. Good card!

Picture of Vince Skrzypek

By: | Mar 18, 2017

We're taking a big vacation and want to open a credit card that offers the best rewards. Including cash back, everyday rewards or even travel rewards. No annual fee also. Not worried about introductory offers since we will be paying off right away. There's so many different options I've seen. Anything stick out ahead of the rest?

1 Reply

By: CompareCards | Mar 20, 2017

The Discover It Cashback Match is a very popular offer right now because for new cardholders, Discover will double all the cash back you earn during your first year! This card comes with 5% cash back in special rotating categories and 1% on everything else, plus no annual fee. A few other popular no annual fee rewards cards include the Citi Double Cash, BankAmericard Travel Rewards, and the Chase Freedom Unlimited.

Picture of Sharon Hendrickson Dillsaver

By: | Mar 18, 2017

Want a card with bonus cash and at least 2% on everything.

Picture of Suzanne Ward

By: | Mar 12, 2017

So far this has been one of the best cards for me. And the customer service has been great people to work with.

Picture of Andrea Schield

By: | Mar 11, 2017

I want to fix my pool around $5,000 will fix it what is the best card to use for that?

1 Reply

By: CompareCards | Mar 14, 2017

If you're looking for a credit card that offers 0% intro APR to finance your big purchases, check out the Citi Simplicity or Citi Diamond Preferred. Both of these cards offer 0% intro APR for 21 months!

Picture of Ronald Osburn

By: | Feb 28, 2017

Have most of those Cards!

Picture of Grace Giusti Centauro

By: | Feb 27, 2017

I am trying to pay down a credit card. Not sure which one. I need 0 transfer, 0 APR, no annual fee. Not looking to do anything but pay down my existing card.

2 Replies

By: CompareCards | Feb 27, 2017

Two cards that meet the criteria you're looking for are the Chase Slate card and the Barclaycard Ring Mastercard. They each come with 0% intro APR for 15 months, no annual fee, and no intro balance transfer fee.

By: Elias Huerta | Mar 7, 2017

I LIKE BANK OF AMERICA 0% APR FOR LONG PERIOD OF TIME, AND LINES OF CREDIT ARE REASONABLE

Picture of Dåhomie Yêntêbsin

By: | Feb 3, 2017

what is the best card for someone with bad or no credit, and trying to build their credit score?

2 Replies

By: CompareCards | Feb 6, 2017

If you have bad credit or no credit, you will probably need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. After a year or so of responsible use, you will have built up your credit enough to get approved to a standard, unsecured credit card. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

By: Carol Commissiong | Feb 28, 2017

try Discover and Wells Fargo

Picture of Susan Hodges

By: | Feb 2, 2017

I have excellent credit and I am looking for a card that has at least a 21 month 0% Introductory period, with no balance transfer fees and no annual fee. Which card would be my best option?

1 Reply

By: CompareCards | Feb 6, 2017

There is not a credit card that meets all three of the requirements you're looking for. However the Citi Simplicity and the Citi Diamond Preferred each offer 0% intro APR for 21 months. If you would rather have no balance transfer fee, check out the Chase Slate card or the Barclaycard Ring MasterCard.

Picture of Jill Sommer

By: | Jan 31, 2017

My husband and I do many outdoor activities and use many gallons of fuel throughout the year. Is there a credit card good to use for fuel purchases?

1 Reply

By: CompareCards | Feb 1, 2017

The BankAmericard Cash Rewards is an excellent option if you're looking for a great rewards rate on gas purchases. This card offers 3% cash back on gas and 2% cash back on groceries stores & wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.

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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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