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Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,280 Offer Ratings
Over the Past 60 Days!

(1,280) 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
  • 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 12.24% - 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 171 Offer Ratings
Over the Past 60 Days!

(171) 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 13.24%-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
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com 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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4.5/5.0 from 273 Offer Ratings
Over the Past 60 Days!

(273) Over the Past 60 Days!
  • Intro Purchase APR 0% on purchases for 12 months
  • Rewards Rate 1.25 miles per dollar*
  • Regular Purchase APR 12.24% - 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
  • 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; 12.24%-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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Citi® Double Cash Card – 18 month BT offer

 

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4.4/5.0 from 1,016 Offer Ratings
Over the Past 60 Days!

(1,016) 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 13.24 - 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
  • 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 13.24% - 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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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.7/5.0 from 202 Offer Ratings
Over the Past 60 Days!

(202) 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, after that the variable APR will be 15.40%-25.24%
  • 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
  • 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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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 416 Offer Ratings
Over the Past 60 Days!

(416) 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 new bonus categories each quarter like gas, restaurants, Amazon.com 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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Chase Slate®

 

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Your Rating:

3.8/5.0 from 568 Offer Ratings
Over the Past 60 Days!

(568) 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
  • 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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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 738 Offer Ratings
Over the Past 60 Days!

(738) 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
  • 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 13.24% - 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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BankAmericard® Credit Card

 

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Your Rating:

3.9/5.0 from 224 Offer Ratings
Over the Past 60 Days!

(224) 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 11.24% - 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
  • 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 11.24% - 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
  • 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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The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 137 Offer Ratings
Over the Past 60 Days!

(137) Over the Past 60 Days!
  • Introductory APR 0% for 12 months on purchases and balance transfers*
  • Welcome Offer Earn 10,000 MR points after you spend $1,000 in the first 3 months*
  • 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/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • 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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Chase Freedom Unlimited℠

 

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Your Rating:

3.9/5.0 from 428 Offer Ratings

(428)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Regular APR 14.24%-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
  • Card Brand Visa

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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*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 Nina Faison

By: | Dec 4, 2016

What's a good card for someone with a score of 670?

1 Reply

By: CompareCards | Dec 5, 2016

With scores in the mid 600s, your credit is considered fair and there are a number of solid credit cards you may be able to get approved for. Check out our credit cards for fair credit page to see all the best options! If you're looking for cash back, I'd recommend the Capital One QuicksilverOne. For a good rewards program with no annual fee, the Barclaycard Rewards MasterCard is a great option. If you're simply interested in building credit or having a simple credit card, check out the Capital One Platinum Credit Card.

Picture of Paula Alvarez

By: | Dec 2, 2016

My credit score is 693 which card would you recommend I apply for? Is my credit considered fair/good or where does it fit in?

1 Reply

By: CompareCards | Dec 5, 2016

You are correct that your credit score is in the fair/good range. Generally speaking, you shouldn't have a problem getting approved for credit cards for fair credit, and you may get approved for credit cards for good credit, though it is not guaranteed. One card that would be a good fit for you is the Barclaycard Rewards MasterCard. It comes with no annual fee and a solid rewards program.

Picture of Sharon Hendrickson Dillsaver

By: | Dec 1, 2016

I want a card with the best cash bonus for applying.

1 Reply

By: CompareCards | Dec 5, 2016

The Chase Sapphire Preferred offers 50,000 bonus points after you spend $4,000 in the first 3 months. That's worth $500 as a statement credit or even more if you choose to redeem for travel!

Picture of Lenette Stapleton Mills

By: | Nov 30, 2016

Is there a credit card comparable to American Express where we can earn travel points that does not charge a fee?

1 Reply

By: CompareCards | Dec 1, 2016

There are many credit cards that offer travel miles or points and come with no annual fee! A few of the best options would be the BankAmericard Travel Rewards, Capital One VentureOne, or Discover It Miles.

Picture of Carmen Romero Reynolds

By: | Nov 29, 2016

My son has a credit score of 625 but has a balance that he wants to transfer to a lower interest rate. Which card do you recommend?

1 Reply

By: CompareCards | Nov 29, 2016

With a credit score of 625, his credit is considered poor/fair and his options for balance transfer credit cards will be somewhat limited. One card that would be a great choice if he is able to get approved would be the Capital One QuicksilverOne!

Picture of Yasir Mahmood

By: | Nov 28, 2016

I'm looking for credit card, what the best card I can have and my score credit 517? which one I can get it?

1 Reply

By: CompareCards | Nov 28, 2016

With a credit score in the 500s, your credit is considered poor and you will 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. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

Picture of Larry Brignac

By: | Nov 21, 2016

what would be the best card my score is 828?

1 Reply

By: CompareCards | Nov 22, 2016

With a credit score over 800, your credit is considered excellent and you will likely be approved for any credit card you apply for. If you're looking for a low interest credit card, the Citi Diamond Preferred or Barclaycard Ring MasterCard would both be great options. If you'd like cash back, check out the Citi Double Cash or the Discover It Cashback Match cashback. For travel rewards, the Chase Sapphire Preferred or the Capital One Venture would each be a great choice. With your high credit score you can take your pick from whichever credit card you like!

Picture of Johnny Canedo

By: | Nov 15, 2016

My score is 652 what's out there for me with a low interest

1 Reply

By: CompareCards | Nov 21, 2016

With a score in the mid 600s, your credit is considered fair/average and there are a few solid credit card offers you may be able to get approved for. The Capital One QuicksilverOne and the Barclaycard Rewards MasterCard would both be great options to start with!

Picture of Lizzie Lycett

By: | Nov 14, 2016

I am new to credit and have been building credit pretty steadily. I have a 659 transunion score, and am looking for a card that i can be approved for. The only thing is i applied for my banks (Sdccu) visa, and was denied. I am in need of a card for emergencies and have never missed a payment. What would be the best card for me?

3 Replies

By: Patti O'Gara | Nov 23, 2016

I would suggest Cap One. They are very good when you are trying to get started and a very good company. They started me out years ago and even though they are a little higher (because they take the risk) I still keep one of their cards because I like the company. Make sure you pay all your bills on time....if not, you are fighting for nothing!

By: Rob Smith | Nov 24, 2016

Up at the top of the page is a dropdown labeled "Credit Quality". It gives choices for different credit score levels. I saw some that said they would pre-approve - that is tell you if you would get it without it impacting your credit score. Your credit score can drop from a new credit application.

By: Rosa Valdez | Nov 25, 2016

Lizzie, to gain a credit history, it takes time. Start with small store and gas station credit cards. When you establish a history with them, go for the higher cards. Never pay the minimum, always pay off the maximum or at least 3/4 of what the charge was worth or as close to it as possible.

Picture of Greg Langweg

By: | Nov 12, 2016

I have a 720+ Credit score. If I open another credit card for balance transfer will my score drop?

1 Reply

By: CompareCards | Nov 28, 2016

Anytime you apply for a new credit card, a hard inquiry will be reported to the credit bureaus which may have a slight negative impact on your credit score. However, this effect will be small and temporary for an isolated application. And if you are applying for a credit card to pay off the balance on another card this may actually have a positive impact on your credit in the long run. This is because by opening a new account to pay off your debt you will be decreasing your credit utilization rate significantly.

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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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