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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.2/5.0 from 5,204 Cardholder Reviews Over the Past 60 Days!

Rates & Fees

No Balance Transfer Fee

Intro Purchase APR

0% intro on purchases until February 2017

Regular Purchase APR

12.24% - 22.24% (Variable)

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

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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 the first 3 months, 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 until February 2017; 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
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

BankAmericard® Credit Card

 

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Your Rating:

3.7/5.0 from 4,726 Cardholder Reviews 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 Fees

$0

Credit Needed

 
Excellent Credit

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

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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
  • Zero liability fraud protection, 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

Chase Slate®

 

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Your Rating:

3.7/5.0 from 5,116 Cardholder Reviews 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 Fees

$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
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Discover it® - Double Cash Back your first year

 

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Your Rating:

3.7/5.0 from 5,174 Cardholder Reviews Over the Past 60 Days!

Intro Balance Transfer APR

0%* for 18 Months

Bonus Rewards

5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Annual Fees

$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

  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202-Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on balance transfers for 18 months-then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
  • Freeze It™ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 3,870 Cardholder Reviews 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 Fees

$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 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.
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

Capital One® Venture® Rewards Credit Card

 

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Your Rating:

3.7/5.0 from 5,146 Cardholder Reviews Over the Past 60 Days!

Bonus Miles

40,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar*

Regular Purchase APR

13.24% - 23.24% (Variable)

Annual Fees

$0 intro for first year; $59 after that

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 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

Discover it® Miles - Double Miles your first year

 

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Your Rating:

3.8/5.0 from 2,119 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 12 Months*

Rewards Rate

1.5 Miles per $1 Spent*

Exclusive Bonus Offer

Double all miles at end of 1st year*

Annual Fees

$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

  • We'll double all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll double it to 40,000 Miles - Automatically. Only for new cardmembers.*
  • No annual fee* & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR* on purchases for 12 months—then a variable purchase APR applies, currently 11.24% - 23.24%.
  • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Free overnight shipping of replacement cards to any U.S. street address at your request.* And you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Blue Cash Preferred® Card from American Express

 

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Your Rating:

3.7/5.0 from 2,754 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 15 Months

Bonus Rewards

6% Cash Back at US Supermarkets*

Regular Purchase APR

13.24% to 22.24% (Variable)*

Annual Fees

$75

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
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees

Chase Freedom®

 

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Your Rating:

3.7/5.0 from 5,278 Cardholder Reviews Over the Past 60 Days!

Reward

$150 Bonus*

Rewards Rate

5% Cash Back on select categories like gas, restaurants, and more*

Cash Back Terms

Unlimited 1% cash back and your rewards never expire*

Annual Fees

$0

Credit Needed

 
Good Credit

Credit cards for good credit are intended for those with a credit score between 660 - 699.

Get Your Free Score!
Good

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee

The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 4,229 Cardholder Reviews Over the Past 60 Days!

Introductory APRs

0% for 15 Months

Bonus Rewards

Earn 10,000 Points after Qualifying Purchases*

Regular Purchase APR

13.24% to 22.24% (Variable)

Annual Fees

$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 Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra 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 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees

Citi® Double Cash

 

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Your Rating:

4.2/5.0 from 4,792 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% APR for 15 Months on Purchases & Balance Transfers*

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Regular Purchase APR

13.24 - 23.24% (variable)

Annual Fees

$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
  • 0% Intro APR on Balance Transfers and Purchases for 15 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 only card that earns you cash back TWICE on every purchase with:  
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee

Citi Simplicity® Card

 

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Your Rating:

3.7/5.0 from 4,357 Cardholder Reviews 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 Fees

$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 or call 877-886-4537
  • 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.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Capital One® Quicksilver® Cash Rewards Credit Card

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 5,402 Cardholder Reviews Over the Past 60 Days!

Regular Purchase APR

13.24% - 23.24% (Variable)

Intro Purchase APR

0% intro on purchases until November 2016

Intro BT APR

0% intro on balance transfers until November 2016

Annual Fees

$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
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 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
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until November 2016; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until November 2016; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere

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Picture of Al Bernard

By: | Feb 2, 2016

My Credit is rated at 552. I would like to get a card to help improve my credit . What is the best 1 for me??

2 Replies

By: CompareCards | Feb 3, 2016

Hi Al,

With a score of 552, your credit is considered poor and you'll have to start with a secured credit card. The one I'd recommend is the Capital One Secured MasterCard which has no annual fee and comes with a free monthly credit score so you can track your progress overtime.

By: Michael Croune | Feb 3, 2016

Credit One.... I got it..then Capital One Silver.

Picture of Jack Cordner

By: | Feb 1, 2016

Is getting a MasterCard or Visa with a 13.50% APR for purchases realistic for me at this time? My FICO score has run in the 760s for the past year. My credit monitoring service says I've only used about 30% of my available credit but FICO says 30% is too high of a usage. I CAN get a MasterCard or Visa--but I've returned (closed) at least two cards so far because the APR for purchases was around 22%.

1 Reply

By: CompareCards | Feb 1, 2016

Hi Jack,

With a score of 760, your credit is considered excellent and you should be able to get approved for some of the best balance transfer credit card offers. If you're looking for a long intro APR, the Citi Simplicity is a great choice, but if you'd rather have a low ongoing interest rate then check out the Barclaycard Ring MasterCard which has 8.25% APR.

Picture of Shawn Hunt

By: | Jan 31, 2016

I have a discover card, capital one, citi credit card, td bank with growing balances. It seems like all I am doing is spinning my wheels on trying to dig out of debt. I want to be rid of multiple credit cards. Not sure if loans to consolidate or what is the best answer to get out of this debt Please help!

1 Reply

By: CompareCards | Feb 1, 2016

Hi Shawn,

The best way to pay off your balance quickly is by using a balance transfer credit card. Cards like the Chase Slate, Citi Simplicity, or BankAmericard Credit Card offer 0% APR for a long period of time which can help you pay down the principle of your balance and avoid those high interest charges.

Picture of Lissette Lemock

By: | Jan 28, 2016

Hi, i have capitalone Platinum with high balance and i would like to pay more but the interest don't let me to do it.i'm thinking to get Chase Slate but i don't know how to make transfer.Any suggestion? Thanks

1 Reply

By: CompareCards | Feb 1, 2016

Hi Lissette,

The Chase Slate card is an excellent option for balance transfers! With 0% APR for 15 months, no annual fee, and no balance transfer fee for transfers made within the first 60 days, it's an excellent way to escape your high interest rate.

Picture of Leslie Cullinan

By: | Jan 25, 2016

Hi, I have an American Express Blue with a high credit limit. I have a large balance which I need to pay down. What is the best card with 0% interest and a longer term to pay it off?

1 Reply

By: CompareCards | Jan 25, 2016

Hi Leslie,

The Chase Slate is an excellent balance transfer credit card! It offers 0% APR for 15 months with no annual fee and no transfer fee for balance transfers made within the first 60 days.

Picture of Obietta Elizondo

By: | Jan 24, 2016

What is the difference between the Barclay card and Capital One? Also I keep getting Capital One and Credit One letters. Who is Credit One? Is it any better?

1 Reply

By: CompareCards | Jan 25, 2016

Hi Obietta,

Capital One and Barclaycard are two separate credit card issues. There is no relation between the two banks. Credit One Bank is another credit card issuer that specializes in credit cards for consumers with poor credit.

Picture of Charlene Iskey

By: | Jan 23, 2016

Need a card for emergencies. Please decide which one would be the best.

1 Reply

By: CompareCards | Jan 25, 2016

Hi Charlene,

When deciding on the best credit card for emergencies, you should looks for the cards with low interest rates and the fewest fees. Two great options to consider would be the Barclaycard Ring MasterCard or the Citi Simplicity.

Picture of Jesse Aleman

By: | Jan 21, 2016

need a credit card with no annual fee no interest for at least 1 year but i have ok credit any suggestions

2 Replies

By: CompareCards | Jan 21, 2016

Hi Jesse,

To qualify for credit cards with the terms you described, you typically need to have good credit. If you think your score is at least in the upper 600s, you may be able to get approved for the Chase Slate card, which has 0% APR for 15 months and no annual fee.

By: Mary Anne Bobik | Jan 22, 2016

I like Discover, no annual fee,

Picture of Lisa Mays

By: | Jan 21, 2016

not so great of credit cards available for rebuilding credit?

2 Replies

By: CompareCards | Jan 21, 2016

Hi Lisa,

If you're trying to rebuild credit, you may need to start with a secured credit card. A secured card works just like a normal credit card, but you have to put down a refundable security deposit to get approved. We recommend the Capital One Secured MasterCard as it has no annual fee and you'll get free credit score tracking!

By: R Jo Pitts | Jan 23, 2016

Capital One has many cards available and they are easy to work with.

Picture of Joseph Elardi

By: | Jan 20, 2016

Looking for a good card anybody have any suggestions thx Joseph.

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.

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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.