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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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Your Rating:

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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Your Rating:

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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Your Rating:

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

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

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

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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Your Rating:

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

See additional details for Wells Fargo Platinum Visa® Card

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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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*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 Patty Hendon

By: | Dec 12, 2015

By: Patty Hendon Dec.12,2015. I would like a credit card with balance transfers available . I want to consolidate all my accounts to a lower interest rate and one payment. The total would be about $3,000. My credit is upper 600's. I have one collection that should not be on my report and the WA. state attorney's office is suing the company because of their numerous complaints. My retirement income is 23,000 a year. No mortgage payments. Can you help please?

2 Replies

By: CompareCards | Dec 16, 2015

Hi Patty,

The credit card that sounds like it would be the best fit for your situation is the Chase Slate card. This card offers 0% APR for the first 15 months on balance transfers and there is no fee for transfers made within the first 60 days. With a credit score in the upper 600s, you have a good shot of getting approved!

By: Brenda Mares | Dec 26, 2015

Order your Credit Reports; you can have that error removed. It will help your credit score greatly. Fight it! Only you can correct this error.Your attorny can take care of the rest. Good luck and God Bless!

Picture of Jan Leffler Robinson

By: | Dec 12, 2015

LOOKING FOR NO TRANSFER FEES

1 Reply

By: CompareCards | Dec 16, 2015

Hi Jan,

The Chase Slate is currently the only card on the market that offers a long intro APR, no annual fee, and no balance transfer fee for transfers made within the first 60 days. The APR is 0% for the first 15 months!

Picture of Linda Kirchens

By: | Dec 11, 2015

I'm looking for a credit card that is going to help with emergency and little things that come up

1 Reply

By: CompareCards | Dec 11, 2015

Hi Linda,

The main thing that you'll want to look for in a credit card for emergencies are few fees and low interest rates. A couple cards to consider would be the Barclaycard Ring MasterCard, the Citi Diamond Preferred, and the BankAmericard Visa Credit Card .

Picture of Shirley Beckum

By: | Dec 2, 2015

I wanted to apply for credit card with low interest and no yearly fees.

2 Replies

By: CompareCards | Dec 3, 2015

Hi Shirley,

There are dozens of credit cards that offer low interest and no annual fees. Check out our no annual fee credit cards page to see all the options! A few cards that might interest you would be the Discover It , the BankAmericard Visa Credit Card, or the Citi Diamond Preferred.

By: Brock Hatfield | Dec 27, 2015

I will like to have credit card low interest and no year frees

Picture of Cindy Whitt

By: | Dec 1, 2015

ive never had a creit card not sure the right one for me

Picture of Ann Baltos

By: | Nov 30, 2015

I want to apply for a credit card, but want to know if there are any upfront fees associated with application and how much are they?

1 Reply

By: CompareCards | Dec 1, 2015

Hi Ann,

Most credit cards do not have an application fee. In fact, none of the cards you see on this page have a fee simply for applying. Many credit cards come with an annual fee, but that will be clearly stated on the application.

Picture of Bing Singh

By: | Nov 30, 2015

MY STORY,, I currently have a Visa Platnium card and it's maxed out at 9500.00. My min payment is 235.00 and 69.00 go's towards interest per month on the card that's currently charging a est 13% a month. I currently live on about 20000.00 from retirement accounts per year. My credit rating varies from 730-740 ( It use to be about 805 before I went crazy on this card I have now) pretty much because of my credit card being so high. All my payment records are outstanding on time wise. I would love a 21 month card, but what happens if the 9500.00 is not paid off at the end of 21 months. Which card is right for me?

1 Reply

By: CompareCards | Dec 1, 2015

Hi Bing,

If you're paying a 13% interest rate on a $9500 credit card balance, it would definitely be in your best interest to transfer the balance to a low interest credit card and begin paying it off. The Citi Simplicity Card is an excellent option and has 21 months with 0% APR, like you mentioned. If you were to continue making payments of $235 a month, then you will have paid off about half of your balance by the end of your 21 month period without paying a penny in interest.

You shouldn't have any problem getting approved for the card since you're credit score is in the mid 700s. Once the 21 month period is up, you'll pay the ongoing interest rate on the remaining balance; this will be 12.99%-22.99%* APR depending on what you get approved for. If you would like to have the balance totally paid off by the end of the 21 month period, you would need to pay about $450 a month.

Picture of Marianna Bucy

By: | Nov 27, 2015

I have a combined amount owed from credit cards and car loan,around $5,000. I would like to find a credit card that I could transfer all payments over to one card with one low payment.My problem is,my credit score is in the 600's.Can anyone help?

1 Reply

By: CompareCards | Nov 28, 2015

Hi Marianna,

With a credit score in the 600s, you still may have a few options for a balance transfer credit card. If you're in the upper 600s, you might be able to get approved for the Chase Slate card which offers 0% intro APR for 15 months, no annual fee, and no fee for balance transfers made within the first 60 days. If your credit score is in the lower 600s, the Capital One QuicksilverOne would be a good option to try.

While these cards will be useful in consolidating your credit card debt, it is unlikely that you will be able to transfer the balance of your auto loan onto a credit card. This is because the auto loan is a secured loan, and credit cards are unsecured lines of credit.

Picture of Mary Ann Perry

By: | Nov 21, 2015

I'm looking for a VISA credit card that will be a back up emergency one (will not use often) for myself separate from my husband, but no annual fee and low enough interest because if it truly is an emergency I may have to carry a debt. We discovered how vulnerable I was while my husband had major surgery and rehab and I had access only to my debit and one cc that I ended up maxing out. Any suggestions.

2 Replies

By: CompareCards | Nov 21, 2015

Hi Mary Ann,

I would recommend the BankAmericard Visa Credit Card as a credit card to use for emergencies. It has no annual fee, and it you have excellent credit, you can get approved for an interest rate as low as 10.99%.

By: Fauzi Ajihil Ummar | Nov 25, 2015

I suggest going with Credit Union Visa Platinum option. Those are very low APR credit card if your credit is good to excellent. They are comparable to other credit cards now with better benefits and they do not have annual fees. It is a win win situation.

Picture of Sybil Toler

By: | Nov 18, 2015

How can I get secured card with bad credit

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.

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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