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Discover it® Cashback Match™

 

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3.7/5.0 from 1,080 Offer Ratings
Over the Past 60 Days!

(1,080) 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
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 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 646 Offer Ratings
Over the Past 60 Days!

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

 

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4.2/5.0 from 1,962 Offer Ratings
Over the Past 60 Days!

(1,962) 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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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.9/5.0 from 441 Offer Ratings
Over the Past 60 Days!

(441) 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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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 1,093 Offer Ratings
Over the Past 60 Days!

(1,093) 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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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 789 Offer Ratings
Over the Past 60 Days!

(789) 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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BankAmericard® Credit Card

 

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3.8/5.0 from 383 Offer Ratings
Over the Past 60 Days!

(383) 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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Wells Fargo Platinum Visa® Card

 

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Your Rating:

4.0/5.0 from 372 Offer Ratings
Over the Past 60 Days!

(372) 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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*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 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

Picture of Otgonsuren Khukhuu

By: | Nov 18, 2015

Capital one credit bank is best

Picture of Carol Oates

By: | Nov 16, 2015

How DO ON I GET A UNSUCURED CREDITCARDS WITH bad credit and AND LATE PAYMENTS ON MY CREDIT REPORT

1 Reply

By: Gernine Marie Tedesco | Nov 17, 2015

Try Capital One. I went online and contact the credit bureaus after I made payments then once each collection was paid off I sent a letter of withdrawal to them asking to have that account removed. I had to show them proof I paid off the bill and sometimes it took more then one time to have them do anything. Once a got a few of my report I applied to Capital One and I got .....

Picture of Robert Lee

By: | Nov 8, 2015

Does anyone know which Visa signature card and Elit World Master Card is easy to get?

1 Reply

By: Fauzi Ajihil Ummar | Nov 25, 2015

Chase credit cards seems to be easy to get as long as you have a good payment record and over 670 score.

Picture of Mike Mooneyham

By: | Nov 7, 2015

my credit score is poor what card would work for me

Picture of Michelle Olson

By: | Nov 4, 2015

My credit score is excellant. I pay my cc bill in full monthly. I am looking for the best possible card with biggest return. I don't travel. Flyer miles are out

2 Replies

By: CompareCards | Nov 4, 2015

Hi Michelle,

If you're not interested in travel rewards and you have excellent credit, I would recommend applying for a cash back credit card. A great place to start, would be the Citi Double Cash. This card would effectively get you 2% cash back on all purchases which is a fantastic rewards rate!

By: Fauzi Ajihil Ummar | Nov 25, 2015

Amex Blue Cash. Great benefits on points accumulation. I know because I have the card.

Picture of Solomon Morris

By: | Nov 3, 2015

I have the Citi Diamond but I also have the Citi Double Cash which is probably the best card out there

Picture of Pamela Rodgers Jones

By: | Nov 3, 2015

I HAVE A QUESTION, WE HAVE A BALANCE OF $5,000.00 THAT WE WANT TO TRANSFER TO A 0% INTEREST CREDIT CARD. ON CREDIT KARMA, IT SHOWS MY TRANSUNION CREDIT SCORE @ 738 AND EQUIFAX CREDIT SCORE @ 740. I KNOW THAT CREDIT KARMA IS NOT THE BEST PLACE TO GET AN ACCURANT SCORE HOWEVER, IS THIS ENOUGH INFO TO PICK THE BEST CARD?

2 Replies

By: CompareCards | Nov 3, 2015

Hi Pamela,

With scores in the mid 700s, your credit rating is considered excellent and you should be able to get approved for any credit card you want. I would recommend the Citi Simplicity or the Citi Diamond Preferred as both of these cards come with 21 months of 0% APR which is the longest intro APR on the market.

By: Fauzi Ajihil Ummar | Nov 25, 2015

The answer to your question is Yes. Not accurate but anything over 700 score is good with other establishment.

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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