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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 2,055 Offer Ratings
Over the Past 60 Days!

(2,055) 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 14.99% - 24.99% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Discover it® Cashback Match™

 

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3.7/5.0 from 1,049 Offer Ratings
Over the Past 60 Days!

(1,049) Over the Past 60 Days!
  • 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 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
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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BankAmericard® Credit Card

 

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3.8/5.0 from 398 Offer Ratings
Over the Past 60 Days!

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

 

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4.2/5.0 from 1,247 Offer Ratings
Over the Past 60 Days!

(1,247) 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 13.99% - 23.99%* (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 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $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 – 21 Month Intro Offer on BT and Purchases

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 694 Offer Ratings
Over the Past 60 Days!

(694) 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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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 528 Offer Ratings
Over the Past 60 Days!

(528) Over the Past 60 Days!
  • Welcome Offer $150 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
  • $150 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 15 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

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Capital One® VentureOne® Rewards Credit Card

 

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4.4/5.0 from 531 Offer Ratings
Over the Past 60 Days!

(531) 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

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

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Wells Fargo Platinum Visa® Card

 

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Your Rating:

4.0/5.0 from 382 Offer Ratings
Over the Past 60 Days!

(382) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • 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

See additional details for Wells Fargo Platinum Visa® Card

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.9/5.0 from 435 Offer Ratings
Over the Past 60 Days!

(435) 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 Visa®

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

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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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.

Picture of Bill Henderson

By: | Jun 21, 2016

I have about 15 credit cards, and want to downsize to maybe 5 cards that have the best value and highest credit line. So, will my credit score go up or down if I do this?

6 Replies

By: Michael Thurman | Jun 26, 2016

1st, decide which ones you want to keep , then take all the others out of your wallets and put them in safe keeping, Pay those Dormant accounts off, and they will eventually be closed by the Bank after no recent activity has been observed. Then pay the others as low as possible. Eventually your Dept to Income ratio will lower and your Scores will start climbing. Been there, Done that.

By: Nancy Barron | Jun 26, 2016

15 cards!!!! unless you are running a business and have an accountant taking care of your affairs there is no way the average person is going to be able to handle 15 cards. Try cutting down to 3 cards sure your credit score will take a nose dive for a while,but you should be able to manage your money a lot easier.

By: Floyd Flowers | Jun 27, 2016

Your' score will probably take a bit of a hit at first since your debt to credit ratio will be increased. (Overall credit limit will be reduced with fewer cards). But, in the long run you will be better off.

By: Katherine Kiele | Jul 4, 2016

I agree with Michael Thurman. By just setting them aside instead of cancelling them, I believe will have less impact on your credit score, but as you pay them off your score will climb. Start with the card that has highest interest rate and focus on most of your money gong toward that one, while still paying on all of your cards. Some say start with the card with the lowest balance, you feel you are making progress quicker. Up to you. Just be faithful on paying them all On Time!

By: Jen Padgett | Jul 5, 2016

hey there - don't cancel long standing cards. credit report is partially determined by length of time you have it. if you cancel a card, it drops off your report and doesn't count anymore toward your rating. Also if you do drop cards - try to get others to expand your limit so that you keep a good debt to credit ratio. best thing I actually did was get a loan to consolidate all of my cards at 10%, pay off my cards and keep them open (but in my safe so I don't use them). Credit score went up about 70 points. its because my revolving credit debt to credit ratio was now below 9%

By: Gary L Miller Sr. | Jul 7, 2016

I, too, am a credit card "collector" HEE HEE. I am not sure how this became a hobby to me, but, it has. I have about 15 also adding up to app. 200,000 dollars of credit. I OWE nothing. One bit of advice to you. KEEP YOUR OLDEST CARD. When I check my FICO score (818) it always includes American Express, my first card which is now decades old, not years old. They LOVE a card over 25 years old. Even if your oldest card had a 30 or even 50 APR, it doesn't matter. if you pay off your debt every month, the interest owed doesn't count. I thought I could give you some advice since I am in the same boat as you. God bless

Picture of Mike Warrick

By: | Jun 20, 2016

Must Say that I am very satisfied with my Chase Freedom Visa Card that I have been hooked up to since 1993!!!!!!!!!!!

1 Reply

By: Robert Jackson | Jul 1, 2016

have one and that is a good card BUT I have a Barclay that is far and away better.

Picture of Loretta Whiteside

By: | Jun 18, 2016

CAN YOU SUGGEST A CARD WITH NO TRANSFER FEES AND 0% UNTIL 2018? MY SCORE IS IN THE 700'S

1 Reply

By: CompareCards | Jun 20, 2016

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

Picture of Erek Garcia

By: | Jun 17, 2016

I have 2 credit cards. one is half utilized the other is maxed. never missed a payment. i want to pay them off quickly. i'm wondering if balance transfer would be a good idea that way my utilization goes down thus improving my score. i have had them for 2 years. both thru capital one. any suggestions?

1 Reply

By: CompareCards | Jun 20, 2016

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

Picture of Pauline Hicks

By: | Jun 16, 2016

My credit score is 827. I have one credit card but would like another with cash bonus. I never carry a balance and like having access to my FICO score what card would be best for me?

1 Reply

By: CompareCards | Jun 20, 2016

With a score in the 800s, your credit is considered excellent and you should be able to get approved for any credit card you choose. For cash back and a free FICO score, two great options are the Citi Double Cash and the Discover It card.

Picture of Donna Nielsen Marano

By: | Jun 15, 2016

Best card for balance tranfers

1 Reply

By: Denise Mihok | Jun 16, 2016

CapitalOne is the best card for balance transfers .treated as a purchase .no charge if paid when bill is due.

Picture of Bert Benevento

By: | Jun 14, 2016

The CitiCard Mastercard pays 2% in real money on ALL categories. Best card ever. Better than airline points & other stuff. I have gotten several hundreds of dollars in rebates in my first year. This is not accepted at Costco, but the new Costco Visa offers 2% on purchases in the store (4% for gas). So with these 2 cards, I get 2% or higher on all my purchases.

Picture of Dewayne C Presson

By: | Jun 14, 2016

What is your definition of excellent credit. I have a score of 720. Is that good enough for any of these cards? Thanks

1 Reply

By: CompareCards | Jun 15, 2016

Credit card applications do not require a specific credit score number to get approved, but your credit score serves as a reference point to determine the likelihood of getting approved. A score of 720 is good and close to excellent. You would have a good chance of getting approved for many of the offers on this page, but there is no guarantee.

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.

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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