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Chase Slate®

 

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Your Rating:

3.8/5.0 from 632 Offer Ratings
Over the Past 60 Days!

(632) 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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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.9/5.0 from 460 Offer Ratings
Over the Past 60 Days!

(460) 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 15.65%-25.49% 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

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 384 Offer Ratings
Over the Past 60 Days!

(384) 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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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 524 Offer Ratings
Over the Past 60 Days!

(524) 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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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 495 Offer Ratings
Over the Past 60 Days!

(495) Over the Past 60 Days!
  • Introductory APR 0% for 12 months on purchases and balance transfers*
  • 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.
  • Regular Purchase APR 13.49%-23.49% Variable*
  • 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 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees

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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.3/5.0 from 556 Offer Ratings
Over the Past 60 Days!

(556) 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

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

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 596 Offer Ratings
Over the Past 60 Days!

(596) Over the Past 60 Days!
  • Intro Purchase APR 0% for 21 Months
  • Intro BT APR 0% for 21 Months
  • 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 877-886-4537 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 13.99% - 23.99% 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.

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

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The Amex EveryDay® Preferred Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 145 Offer Ratings
Over the Past 60 Days!

(145) Over the Past 60 Days!
  • Welcome Offer Earn 15,000 MR points after you spend $1,000 in the first 3 months*
  • Bonus Rewards 3x points at US Supermarkets (up to $6,000)*
  • Bonus Multiplier Earn 50% more points by using your card 30 times each month*
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees

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

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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 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?

1 Reply

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.

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.

Picture of Matthew Walker

By: | Jan 27, 2017

Which card has the best interest rate for someone with excellent credit after the 0% introductory period?

1 Reply

By: CompareCards | Jan 30, 2017

If you're looking for the lowest ongoing interest rates check out the Barclaycard Ring MasterCard. This card offers an extremely low interest rate of 8.5%!

Picture of Gren Jason

By: | Jan 25, 2017

I'd like to take my son, whom is 5 yrs old on a vacation every year. Whether it be Disney or outside the country, which card is best?

1 Reply

By: CompareCards | Jan 25, 2017

If you're looking for a travel rewards credit card to get you free flights, a few of the best options would be the Capital One Venture, Chase Sapphire Preferred, or the Barclaycard Arrival Plus. All three of these cards come with big sign up bonuses to help you earn points fast!

Picture of Josh Eaglen

By: | Jan 23, 2017

Looking to start building my credit What do you recommend? (Please Note my first credit card)

1 Reply

By: CompareCards | Jan 24, 2017

If you're looking for your first credit card, you may need to start with a secured card. secured credit cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

Picture of Otto Chase

By: | Jan 7, 2017

I have the Venture Card and I love it.

Picture of Brent Kim

By: | Jan 3, 2017

For clarification purposes, all 0% APRs for "x" months will have no interest for that time period correct?Example: 0% Introductory APR for 15 months on purchases and balance transfers - I could make a purchase day 1, and that balance could be paid off over the course of 15 months with no interest accruing correct? Also, for the Citi Double Cash Card (0% Intro APR on Balance Transfers for 18 months), is this only for balance transfers and not for new purchases? Thanks

1 Reply

By: CompareCards | Jan 4, 2017

You've got it right! :)

Picture of Sherry Holmes-Beatty

By: | Jan 3, 2017

i had to file bankrupty and i need to start rebuilding my credit what card should i appy for

3 Replies

By: CompareCards | Jan 4, 2017

Any credit card that reports to the credit bureaus will help you build credit when used responsibly. If you recently filed bankruptcy, you will have 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. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

By: Jeremiah Perez | Jan 9, 2017

Credit One Bank or any secured card like Capital one bank or Citibank.

By: Eli Mejia | Jan 23, 2017

Capital One is the best to restart all over again!

Picture of Jeannine Nieman

By: | Dec 23, 2016

Do most of the cards have an annual fee? I have excellent credit rating, pay all bills monthly, but don't like the annual fee.

2 Replies

By: CompareCards | Dec 27, 2016

There are many great credit card offers that come with no annual fee. Check out our no annual fee credit cards page to see all the best options!

By: Jeremiah Perez | Jan 9, 2017

Most credit cards this days, no annual fee .

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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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