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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 2,094 Offer Ratings
Over the Past 60 Days!

(2,094) 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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Your Rating:

3.7/5.0 from 996 Offer Ratings
Over the Past 60 Days!

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

 

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4.2/5.0 from 1,224 Offer Ratings
Over the Past 60 Days!

(1,224) 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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BankAmericard® Credit Card

 

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Your Rating:

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® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.5/5.0 from 712 Offer Ratings
Over the Past 60 Days!

(712) 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 538 Offer Ratings
Over the Past 60 Days!

(538) 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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Your Rating:

4.4/5.0 from 526 Offer Ratings
Over the Past 60 Days!

(526) 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 428 Offer Ratings
Over the Past 60 Days!

(428) 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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*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 Marilyn Gervenak

By: | Dec 18, 2015

I am looking for a loan to pay off 2 credit cards and money for a clothes dryer. ours has been broke for 2 months now.plus a little for some Christmas shopping.

Picture of Theodore G Wellman

By: | Dec 17, 2015

I want a loan that is interest free for 18 months. Have and excellent credit rating.

2 Replies

By: CompareCards | Dec 17, 2015

Hi Theodore,

I you have excellent credit, you should be able to get approved for a credit card that will offer 0% APR for 18 months or longer. A great place to start would be the Citi Diamond Preferred Card which actually offers 0% APR on new purchases and balance transfers for 21 months!

By: Kirk W Richardson | Jan 21, 2016

Good luck with good credit shouldn't be a problem @ all

Picture of Kevin E McEneaney

By: | Dec 15, 2015

Looking for an AAdvantage Visa credit Card with no foreign transaction fees, must also give sign up bonus.

1 Reply

By: CompareCards | Dec 17, 2015

Hi Kevin,

There are a few AAdvantage credit cards to consider. First, the Citi AAdvantage Platinum Select offers a limited time 50,000 miles sign up bonus! The annual fee is $95, but it's waived the first year and there are no foreign transaction fees There is also the Citi AAdvantage Executive World Elite MasterCard that offers 50,000 bonus miles. The annual fee here is $450, but it comes with an admirals club membership, the ability to earn EQMs, and a number of other great perks. Finally, the CitiBusiness AAdvantage Platinum Select is a business card that also offers 50,000 bonus miles and a host of great perks.

Picture of Jeanne Myers

By: | Dec 15, 2015

I need credit card for dental work, my credit is poor, which I am building now.. I don't qualify for "Care Credit".. anyone have any ideas?

2 Replies

By: CompareCards | Dec 15, 2015

Hi Jeanne,

If you have poor credit, you will probably have to start with a secured credit card, which unfortunatly will not be very useful in paying off your medical bills. Secured credit cards are a good tool to help consumers with poor credit build their score, but you have to put down a refundable security deposit to get approved. While you're building credit, it's best to only use your card for purchases that you know you can pay off in full when you get your bill. This is esspecially true for secured cards, because they typically come with high interest rates.

By: Susan Harris | Dec 19, 2015

Hi Jeanne, there are a few other credit cards you can apply for that are for people with poor to challenging credit issues. Yes, Capital One is a very good one, as well as some others that require you to pay a fee up front. However, I have a couple friends that applied for Credit One it is a non-secured card and they were able to build their credit up quite fast. Do a lot of research first, look at the fee's the credit card company charges a consumer.

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.

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
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " 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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