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Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,590 Offer Ratings
Over the Past 60 Days!

(1,590) Over the Past 60 Days!
  • Intro Purchase APR 0% for 21 Months*
  • Intro BT APR 0% for 21 Months*
  • Regular Purchase APR 12.49% - 22.49%* (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
  • 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 12.49% - 22.49% 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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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.7/5.0 from 269 Offer Ratings
Over the Past 60 Days!

(269) 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 Credit

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

    Get Your Free Score!
    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

See additional details for Wells Fargo Platinum Visa® Credit Card

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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 13.49% - 23.49% (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
  • 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 13.49% - 23.49% 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 662 Offer Ratings
Over the Past 60 Days!

(662) 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 Credit

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

    Get Your Free Score!
    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

See additional details for Chase Slate®

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BankAmericard® Credit Card

 

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Your Rating:

3.9/5.0 from 246 Offer Ratings
Over the Past 60 Days!

(246) 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 Credit

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

    Get Your Free Score!
    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

See additional details for BankAmericard® Credit Card

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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 337 Offer Ratings
Over the Past 60 Days!

(337) Over the Past 60 Days!
  • Introductory APR 0% for 12 months on purchases and balance transfers*
  • Welcome Offer Earn $100 back after you spend $1,000 in the first 3 months*
  • Regular Purchase APR 13.49%-23.49% 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
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • 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. Cash back is earned only 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 and Conditions apply.
  • See Rates & Fees

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

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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 450 Offer Ratings
Over the Past 60 Days!

(450) 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
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • 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 rotating categories each quarter like gas stations, restaurants, Amazon.com, 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.

See additional details for Discover it® Cashback Match™

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 1,015 Offer Ratings
Over the Past 60 Days!

(1,015) 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 13.49% - 23.49%* (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
  • 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 13.49% - 23.49% 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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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.4/5.0 from 492 Offer Ratings
Over the Past 60 Days!

(492) 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 Credit

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

    Get Your Free Score!
    Excellent/Good
  • Card Brand Mastercard

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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The Amex EveryDay® Preferred Credit Card from American Express

 

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Your Rating:

3.8/5.0 from 25 Offer Ratings
Over the Past 60 Days!

(25) 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 Credit

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

    Get Your Free Score!
    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® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 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 and Conditions 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 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

2 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.

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 .

Picture of David Jagodzinski

By: | Dec 19, 2016

I have a credit score of 806 / 807 and want the best deal on a Discover credit card. Can you suggest one?

1 Reply

By: CompareCards | Dec 21, 2016

With a score in the 800s, your credit is considered excellent and you should be able to get approved for any card you like. The Discover It Cashback Match is an excellent offer if you're looking for generous cash back rewards. You'll earn 1% back on all purchases plus 5% cash back in special rotating categories each quarter! If you're more interested in travel rewards, the Discover It Miles is a great choice; it offers unlimited 1.5 miles for every dollar you spend and you can redeem miles on any airline with no blackout dates!

Picture of Farn Far

By: | Dec 17, 2016

I have citi double cash card. By far this is the best credit card. You get 2% cash back and they have excellent service.

Picture of Craig Hoffman

By: | Dec 17, 2016

I have Fidelity's Visa card which pays 2% cash back, no muss no fuss, and now Visa is accepted at Costco. Fidelity has a great website also. Combine their credit card and brokerage services all in one well laid out package.

Picture of Horacio M. Briz

By: | Dec 15, 2016

very good job it will help me.

Picture of Winelle Peel Orr

By: | Dec 14, 2016

I have never paid interest on a credit card. We charge everything on our credit card, pay the balance when the statement comes, and receive 1.5% rebate.

Picture of Donal King

By: | Dec 9, 2016

So I don't travel often by air, but have excellent credit 805, but would not charge a large amount in just a few months, so what card would be best.

1 Reply

By: CompareCards | Dec 12, 2016

It sounds like the Citi Double Cash would be a great card for you! It is a simple cash back credit card with an excellent rewards rate and no annual fee.There's not an upfront bonus, so you don't have to spend a lot of money in the first few months to get the most rewards.

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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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