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

 

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4.2/5.0 from 1,909 Offer Ratings
Over the Past 60 Days!

(1,909) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.49% - 23.49%* (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 variable APR will be 13.49%-23.49% 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*

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BankAmericard® Credit Card

 

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3.8/5.0 from 677 Offer Ratings
Over the Past 60 Days!

(677) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Discover it® Cashback Match™

 

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3.7/5.0 from 581 Offer Ratings
Over the Past 60 Days!

(581) 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 Up to 5% cash back in bonus categories, 1% on everything 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
  • You could turn $200 into $400 with Cashback Match™. 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, 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, on mobile 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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4.3/5.0 from 873 Offer Ratings
Over the Past 60 Days!

(873) Over the Past 60 Days!
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Regular Purchase APR 12.99% - 22.99% (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 from account opening, 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; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 799 Offer Ratings
Over the Past 60 Days!

(799) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49% (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 14.49% - 24.49% 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.

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.9/5.0 from 403 Offer Ratings
Over the Past 60 Days!

(403) Over the Past 60 Days!
  • Introductory APR 0% for 9 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • 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
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 870 Offer Ratings
Over the Past 60 Days!

(870) Over the Past 60 Days!
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • 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 14.49% - 24.49% 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*

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Wells Fargo Platinum Visa® Card

 

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4.0/5.0 from 342 Offer Ratings
Over the Past 60 Days!

(342) Over the Past 60 Days!
  • Introductory APR 0% for 18 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 18 months on purchases and balance transfers, then a 16.15%-25.99% 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® 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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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 496 Offer Ratings
Over the Past 60 Days!

(496) Over the Past 60 Days!
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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

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Picture of Gary L Miller Sr.

By: | Jul 7, 2016

I am probably going to get creamed by everyone and I most likely deserve it. HERE IS MY ISSUE: When I get bored, I apply for a credit card. I am never turned down because I am sitting on over 200,000 dollars of credit with an 818 FICO score that seems to stay between 810 and 825 depending on if I apply for another CC. It has become an issue with me obviously. HOWEVER, I don't owe a cent to any of them. I spend app. 2000 dollars a month on CCs and pay them off every month. I haven't paid interest in 25 years. When a ad pops up and says that it is for "EXCELLENT" credit, I get hyped. I am proud of my excellent credit and what it CAN do for me if I wish. The problem is; I DON'T need another one. Has anyone here known someone like me or is there someone here that is like me? This is the first time I have spoken about it in public and this is actually "ME" hiding behind my computer so it isn't too public. Thanks for listening to me ramble.

15 Replies

By: Cathi Gross | Jul 8, 2016

I have finally gotten my husband and I's credit at the same place as you and I'm loving the power to say NO. We only use are Card's when we know we can pay them off the same month without any interest. It's fun to have that kind of power. We weren't always there, but that's where we want to stay. AND yes, I just got 3 new cards with very low interest rates, if we ever use them. So, it's wonderful to have that kind of power and to be in control rather than the other way around. So, I'm with you. AND we have 825 Credit Score, so if we ever buy a house, we will have the choice of the lowest interest rates. . .Yea! I just hope others catch on and learn to control there spending too. Its very freeing. Thanks for sharing.

By: David Beauvais | Jul 10, 2016

I have a lot of cards with high credit lines and scores similar to yours. I don't think there's anything wrong with what you're doing since it's not causing any harm, but there are probably better solutions to overcome boredom than applying for credit cards. Whenever I apply for a card, I do it for specific reasons, mainly to get bonuses that I convert to free travel. If you like to travel, or want good cash back, it makes sense to apply for cards that will return some benefit to you. I have two airline-specific cards and several other cards that earn flexible points for use on practically any airline and many hotels. Accumulating miles/points or cashback is very rewarding as long as you pay in full.

By: Maria Mkr | Jul 11, 2016

I love to hear that! Excellent!

By: Ed Forney | Jul 11, 2016

I probably have 12 cards, and a Fico of 840. Don't need or want anymore.

By: Charles Burkett | Jul 12, 2016

You might check out Discover it Cashback Match. Sounds like a deal for you.

By: Laura Laeycs | Jul 12, 2016

Yes, Gary that would be me. I do the same.

By: Dietrick L. Judd | Jul 15, 2016

I currently in the same situation, My score isn't as high as yours , but in the high 780s.i find myself applying for credit just as you . It's addictive and I just apply to see what limit I will receive.

By: Stanley Ziegler | Jul 18, 2016

Two warnings to guys carrying too many credits cards in your wallet. When you sit on that wallet it puts your body and particularly your spine out of alignment. This is not good for your health. The second is it gives a pick pocket the opportunity to take a card or two from your wallet without you knowing until you get a bill for goods you haven't bought. I have three credit cards and only carry two at any one time. I guess you can call me super cautious.

By: John Fiore | Jul 20, 2016

Very similar circumstances. Have now narrowed the cards to just a few.

By: Marlene Daeseleer | Jul 21, 2016

I use my discover card for every thing! And I too pay it off when bill comes in.. I don't buy unless i know i can pay it soon as bill comes in...my fico is between 813 & 826. I'm money wise..

By: Sparky Pinola | Jul 30, 2016

yes i do the same i spend 2 to 3000 a mo to get air mi. my credit is 840 sparky p

By: Jeffrey M Reeves | Jul 31, 2016

I would like to say, "You are not alone!" I, too, have a penchant for applying for a new card whenever the urge strikes. I don't get turned down either. My FICO score is 795 to 825+. I pay off any debt owed by the time the statement arrives. Sometimes I apply because of a "bonus" or a 0% intro APR. Or just because the card's logo/design is appealing. Sounds crazy, huh? It's better than gambling! LOL!

By: Sherrie DuganMantooth | Jul 31, 2016

I personally like the cash back or points cards I like you pay mine off every month and have for sometime now. I like it when they pay me instead of me paying interest to them!

By: Leonard Harrison | Aug 1, 2016

i understand I have over 20 cards some over 30 years. About 3 years ago I was doing the same thing that you do. I even applied for cards at Walmart and Khols, store I very seldom shop. Thankfully although I am still tempted I have learn to refrain.

By: Cheryl Keithley | Aug 2, 2016

Gary, I guess if you owe none of them any money, then, what the heck. Are you paying an annual fee on any of them? That may be one disadvantage. Like you, I have a great credit rating and I charge my monthly expenses only to pay off in full at end of the month. My fear: that I will forget to pay a card even though I have the $$. Too many cards to keep up with. I try to not use more than 4 in the month. Nice confession, though. Do you suppose it is a "control" thing? like, maybe is the ONE thing you can control, so .... ? Just a thought. Good luck

Picture of Robert Kostelny

By: | Jul 6, 2016

Hi, I'm looking for the best rewards card with no maximum earning for business purchases. I don't need airline perks and APR does not matter, as I will not be carrying a balance. I currently have the AMEX Plum card that gives a 1.5% discount but hoping to get above 2% cash back. Willing to pay annual fees, as I can offset the costs if needed through several million dollars of purchases/year. The best cards that seem to fit that are the Citi Double Cash Card (1% + 1%) and the Spark Cash by Capital One card (2%). Any others out there anyone would suggest?

1 Reply

By: Gill Butterfield | Jul 10, 2016

check out citibanks costco card they have 4 3 2 1 levels just need to be a costco member

Picture of Kirsten T Nusser

By: | Jun 27, 2016

The card APR seems high on all of these. There must be a low interest card out there without all the cash back, travel etc. Just an ordinary card with a 6% APR.

8 Replies

By: Robert Jackson | Jul 1, 2016

BARCLAY......... that's all you need to know. Check'em out.

By: Ron Tulio | Jul 2, 2016

nope! not even for the perfect credit score

By: Pamela Soleil Normand | Jul 4, 2016

Yeah that's what I was looking for too!

By: Katherine Kiele | Jul 4, 2016

One credit card that has a very low interest rate is the Barclaycard Ring MasterCard. This card has no annual fee, no balance transfer fee, and a competitive APR of 8.25%. (from Compare Cards)

By: John Smith | Jul 7, 2016

Because these are cards for people with excellent credit, most people with excellent credit pay their balance off and don't have to worry about APR...

By: Hyla Deane | Jul 8, 2016

If you ever find one that low wake up, you are dreaming. The Barklay Ring cc has a flat rate of 8%, I think, check them out.

By: Carl Foster | Jul 16, 2016

simmons bank! no frills but i have had it for years amd have a 7.50 interest rate never has went up

By: Eugene Senger | Jul 17, 2016

I have a Bank of America card with a 4.9 rate

Picture of Mickey Cashen

By: | Jun 27, 2016

I don't know why you would recommend the AmEx Everyday Card with 2% cash-back for groceries when a similar minimum credit rating will get you the no-annual-fee AmEx Blue Cash Everyday Card which gives 3% cash-back on groceries. Both cards give 1% cash-back for everything else and "groceries" basically means standalone-supermarkets, not warehouse or discount stores.

Picture of Bill Skoczylas

By: | Jun 27, 2016

I had a card with flyer miles, I now have the citi double cash, its 3 times better than flyer miles, example spending $100,000 will get 2 people a round trip ticket with fees and your lilmited to selction because you are using miles. Spensing $100,000 will get you $2000 cash to spend on any airline, psiibly 3 round trips for 2 people.

Picture of Floyd Flowers

By: | Jun 27, 2016

I too, have found the Sapphire card to be the best I have. I used the Amex Platinum until I stopped flying as much so the Sapphire has been my go to card recently.

Picture of Andy Onderko

By: | Jun 26, 2016

If your old enough - a combination of one Chase Freedom and one Chase AARP card provides great rewards.

Picture of Debra Sanchez

By: | Jun 23, 2016

Already enjoy the benefits of the Chase Sapphire Preferred® Card. Looking for a second card that allows points to combine for max travel benefits. Credit score is 830 and although we rack up thousands a month on our card, we pay in full every month. We travel very often and want the benefit of using our total points from all cards to obtain discounts on travel. Any suggestions for a second card?

4 Replies

By: Tim Cassil | Jul 8, 2016

The Starwood Preferred Guest AMEX is the must have card for travelers. I get an average of about $.04 per point, and sometimes as much as $.08. The points transfer to several major airlines at a 1:1 ration with a 5000 point bonus for every 20,000 you transfer. I also have the Sapphire but SPG is my first pick.

By: Ryan Olsen | Jul 11, 2016

What do you think of the AMEX Platinum?

By: David Beauvais | Jul 16, 2016

You could add Chase Freedom and if you have a business, Chase Ink Plus. The rewards from these cards can be combined with Sapphire so you would get 5X each quarter in categories of spend from Freedom and 5X in office supply stores and communications (wireless, internet, tv) from the Ink to maximize points. No annual fee for the Freedom and $95 for the Ink.

By: Becky Buschbom-Black | Jul 26, 2016

Capital One Venture card. Gives you travel rewards no back out dates and never expire on any airline. The have two. One has annual fee and one doesn't the difference is one gives more back than the other when you use it for groceries, gas etc.

Picture of Deborah Slusher

By: | Jun 22, 2016

Are there any credit cards out there that offer a fixed APR, with a reasonable interest rate? My credit score is over 800.

2 Replies

By: CompareCards | Jun 22, 2016

Credit cards generally do not offer "fixed" APRs any longer because the credit card interest rates are tied to the interest rates set by the Federal Reserve. However, the CARD act of 2009 made it illegal for credit card companies to arbitrarily raise your interest rate for no reason and without prior notice. One credit card that has a very low interest rate is the Barclaycard Ring MasterCard. This card has no annual fee, no balance transfer fee, and a competitive APR of 8.25%.

By: Hyla Deane | Jul 8, 2016

Barclay Ring cc has a fixed rate of 8%, no annual fee, and no transfer fees.

Picture of Tom Kakluskas

By: | Jun 22, 2016

My scores are in the high 600's what's the easiest and best way to get them up over a 750

5 Replies

By: CompareCards | Jun 22, 2016

The two best things you can do to increase your credit score are to make sure that you're always paying your bills on time and try to keep your credit card balances as low as possible. It's important to remember that building credit takes time, so if you're doing these two things, you should see you credit score begin to rise slowly over time.

By: Bobbie Smith | Jul 3, 2016

Use less than 20% of your available credit card balance. You will get excellent if under 9%

By: Tim Cassil | Jul 8, 2016

I raise my wife's credit score from a 580 to a 810 in about 2 years. 1. Get rid of an collections on your accounts, either pay them off or use a "dispute" tool until they are all gone. 2. Do not close any credit cards, especially those with a long history (even if its bad history) 3. Pay off all credit cards monthly, and keep the balance as low as possible (pay it off every week if needed) 4. Open more cards, the more credit you have to spend the lower your utilization will be. Just make sure you follow #3 5. try and use each card at least once a year so they do not automatically close it. 6. use your credit cards for everything, do not spend cash or debit when you can use a credit card. Just keep in mind #3 I have 17 credit cards open with a total credit limit of around $400,000.00. I utilize about 2% of my credit each month. When my cards are paid in full (and this is reflected on my credit report) I have about an 825. When I have some higher balances on my report it can creep down to as low as 760.

By: Kenneth Davis | Jul 10, 2016

Pay off any credit card debt you have and pay off any collections you have on your report. Always pay your bills on time and wait until you have the cash for luxury items before you charge them.

By: Eugene Senger | Jul 17, 2016

Never cancel a card, even if you don't use it. That will lower your debt to credit ratio and also lower your score. I found out the hard way when buying a house in Kansas City, MO. I got rid of some cards that were for stores in NY only. I figured I didn't need them any longer. It raised the interest rate I was going to get a 1/4 %. I guess that mistake will cost me a few thousand over the course of the loan.

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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.

Reviews
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" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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