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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 Theresa Pradziad

By: | Jan 6, 2016

wow, didnt know they have a zero tranfer fee

Picture of Robin Kay Lambert

By: | Jan 5, 2016

what is the best first credit card

1 Reply

By: CompareCards | Jan 6, 2016

Hi Robin,

Check out our limited/no credit page for some of the best options for your first credit card. If you have no established credit, you will probably have to start with a secured credit card like the Capital One Secured MasterCard. If you do have some established credit already, you may be able to get approved for an unsecured card like the Credit One Bank Credit Card or the Capital One Platinum Card.

Picture of Nancy Crumbacker

By: | Jan 3, 2016

which card now if offering a no transfer fee on balance transfers? Nancy

1 Reply

By: CompareCards | Jan 6, 2016

Hi Nancy,

Check out our recent blog that covers all the credit cards with no balance transfer fees! The best option will be the Chase Slate card

Picture of Angela Thornton Tritschler

By: | Jan 3, 2016

I am trying really hard to get credit up. I was scammed in 2012 my credit went way down due to this This has caused a big problem I have a job and I promise with all my heart this will be paid back I do not want to put my social security number on anything I am scared this will happen again I do not a credit card and I need to help getting credit score Thank you for your help

1 Reply

By: CompareCards | Jan 3, 2016

Hi Angela,

Opening a credit card account and making consistent on time payments every months will help you bring your credit score up. However, you will not be able to get approved for a credit card without providing your social security number. You can rest assured that the credit card applications are 100% secure!

Picture of Sandy Dehn

By: | Dec 27, 2015

I have a Grandson, that now has a good paying job, and wants a car, and he has no credit at all. I thought maybe he could try with a small limit credit card, and open a bank account, just to get started. Like giving him a start or break of some kind.

1 Reply

By: CompareCards | Dec 28, 2015

Hi Sandy,

You are exactly right about what your Grandson needs to do! If he does not have a bank account yet, his first step should be setting up a savings and checking account at his preferred bank. After that, he should apply for a simple credit card to help him build credit. Since he has no credit, he will most likely have to start with a secured credit card like the Capital One Secured MasterCard. Secured cards require a refundable security deposit to get approved, but after a year or so of responsible use, he should be able to get approved for a standard, unsecured credit card.

Picture of Sherry Walker

By: | Dec 27, 2015

i have bad credit but need a loan or credit card .im tired of getting the run around .do someone have some GOOD ADVICE

2 Replies

By: CompareCards | Dec 28, 2015

Hi Sherry,

Unfortunately, if you have bad credit, it will be difficult to get approved for an unsecured line of credit like a personal loan or credit card. You should focus your attention on building your credit so that you'll be able to get approved for better products with lower rates in the future. I would recommend opening a secured credit card and making sure make each months payment on time and in full. The Capital One Secured MasterCard would be a great option to start with! After a year or so of responsible use, you should be able to get approved for a more favorable loan or credit card.

By: Dennis Davis | Jan 6, 2016

start paying your bills on time

Picture of Ginny Almond

By: | Dec 23, 2015

I have held two accounts with Capital One for over seven years now. They were the first to extend me credit after my husbands death, and exorbitant medical expenses which led me into bankruptcy. Their statements are complete, easy to read, and come regularly. On an occasion or two, due to unusual circumstances, when my payment was a few days past due, they have been very understanding and forgiving. Cap-One Phone service is also the most kind and informed than any other Credit, Computer and Other Misc. Technical Services, or Utilities which I have ever had to conduct phone business with. Waiting times are reasonable and I would highly recommend Capital One with a 10 in all areas.

1 Reply

By: Gene Bass | Jan 1, 2016

I HAVE TO AGREE WITH GINNY ALMOND. MY CREDIT WAS AND STILL IS IN NEED OF HELP, BUT CREDIT ONE HAS BEEN KIND ENOUGH TO GIVE ME THE CREDIT I NEEDED. THEY WILL MOST DIFFENTILY WORK WITH YOU IF YOU FALL BEHIND ON PAYMENTS AND WILL NOT CANCEL YOUR CARD LIKE ALL THE OTHERS. I RECOMMEND THEM HIGHLY. THEY ARE THE BEST OF THE BEST.

Picture of Renee Nadeau

By: | Dec 21, 2015

try credit one I have bad credit and there the only one that approved me for credit

1 Reply

By: Alyssa D Short | Dec 28, 2015

Thank You Renee Nadeau I've been looking for a credit card and since I came on here to see which one until I since your message on here too try credit one. Thank you so much

Picture of Tony Thaxton

By: | Dec 20, 2015

my credit is bad which credit card will do most good

1 Reply

By: CompareCards | Dec 22, 2015

Hi Tony,

If you are trying to build your credit, any credit card that you use responsibly will help bring up your score. The key is to only make purchases that you know you can pay off in full each month, and always make sure you pay your bill on time. Since you have bad credit, you'll probably have to start with a secured card, which requires a refundable security deposit to get approved. The Capital One Secured MasterCard would be a great option to start with! After a year or so of responsible use, you should be able to get approved for a standard, unsecured credit card.

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.

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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