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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

See additional details for The Amex EveryDay® Credit Card from American Express

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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 Carolyn Waldeck

By: | Feb 15, 2016

I have a 691 & can't get a card. But yet some people have low score, and they can get a card.

1 Reply

By: CompareCards | Feb 15, 2016

Hi Carolyn,

With a score of 691, your credit is considered average/good. The reason you may be getting denied for credit cards is because you may be applying for cards that require excellent credit, like many of the cards you see here on this page. I'd recommend checking out or pages for best credit cards for fair credit and good credit!

Picture of Tammy Christensen

By: | Feb 15, 2016

i have bad credit and want a cc with no deposit down

1 Reply

By: CompareCards | Feb 15, 2016

Hi Tammy,

If you have bad credit, it will be difficult to get approved for an unsecured credit card, but one good option that you should try is the Credit One Bank Credit Card.

Picture of Sonja Carter

By: | Feb 12, 2016

my credit score is 502 .I would like to know what is a good card for me to help me improve my credit i want to use it to pay off my dept that way i could bring up my credit score then transfer the ballance and have longer to pay it off any suggestions for me

Picture of Gayle Sadowski

By: | Feb 4, 2016

I had to declare bankruptcy over a year ago and needing a credit card. Which one will consider me so I can start repairing my credit.

1 Reply

By: CompareCards | Feb 4, 2016

Hi Gayle,

With a bankruptcy in your recent history, you'll need to start with a secured credit card. Secured cards work just like normal credit cards and they will help you rebuild your credit over time, but you'll need to put down a refundable security deposit to get approved. The Capital One Secured MasterCard would be a great place to start

Picture of Al Bernard

By: | Feb 2, 2016

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

2 Replies

By: CompareCards | Feb 3, 2016

Hi Al,

With a score of 552, your credit is considered poor and you'll have to start with a secured credit card. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

By: Michael Croune | Feb 3, 2016

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

Picture of Jack Cordner

By: | Feb 1, 2016

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

1 Reply

By: CompareCards | Feb 1, 2016

Hi Jack,

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

Picture of Shawn Hunt

By: | Jan 31, 2016

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

1 Reply

By: CompareCards | Feb 1, 2016

Hi Shawn,

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

Picture of Lissette Lemock

By: | Jan 28, 2016

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

1 Reply

By: CompareCards | Feb 1, 2016

Hi Lissette,

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

Picture of Leslie Cullinan

By: | Jan 25, 2016

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

1 Reply

By: CompareCards | Jan 25, 2016

Hi Leslie,

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

Picture of Obietta Elizondo

By: | Jan 24, 2016

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

1 Reply

By: CompareCards | Jan 25, 2016

Hi Obietta,

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

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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" " 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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