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The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 101 Offer Ratings
Over the Past 60 Days!

(101) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 Months
  • Intro Balance Transfer APR 0% for 15 Months
  • Rates & Fees $0 annual fee & $0 balance transfer fee.
  • Annual Fee $0
  • Credit Needed 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.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • 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.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees

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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.3/5.0 from 788 Offer Ratings
Over the Past 60 Days!

(788) 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 13.24% - 23.24% (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
  • New! Earn unlimited 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.24%-23.24% 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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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 688 Offer Ratings
Over the Past 60 Days!

(688) Over the Past 60 Days!
  • Intro Purchase APR 0% for 14 months
  • Intro Balance Transfer APR 0% for 14 months
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire. 
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cashback Match™

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HSBC Gold Mastercard® credit card

 

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Your Rating:

3.8/5.0 from 1,032 Offer Ratings
Over the Past 60 Days!

(1,032) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro Balance Transfer APR 0% for 18 months
  • Rates and Fees No annual fee, no foreign transaction fee, and no penalty APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

See additional details for HSBC Gold Mastercard® credit card

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.9/5.0 from 393 Offer Ratings
Over the Past 60 Days!

(393) 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 14.24% - 24.24% (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; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% 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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Wells Fargo Platinum Visa® Card

 

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Your Rating:

4.0/5.0 from 325 Offer Ratings
Over the Past 60 Days!

(325) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.40%-26.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.40%-26.24% 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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Chase Freedom Unlimited®

 

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Your Rating:

3.7/5.0 from 262 Offer Ratings

(262)
  • 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 16.24% - 24.99% Variable
  • Annual Fee $0
  • Credit Needed 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 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • 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 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.

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.

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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