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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

See additional details for Capital One® VentureOne® Rewards Credit Card

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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 Wanda Cain

By: | Aug 18, 2015

I am working to establish my credit. What's the range for a really good credit score, my current score is, 717

1 Reply

By: CompareCards | Aug 18, 2015

Hi Wanda,

With a credit score of 717, your credit rating is considered "good," but not quite excellent. Typically, good credit is anything between 680-740, and an excellent score would be everything over 740. Nonetheless, you should be able to get approved for almost any credit cards, with the exception of a select few premium rewards cards.

If your goal to to build credit, make sure you're paying all your bills on time and try to carry as little debt as possible, because those two factors make up 65% of your credit score.

Picture of Cherry Sanders

By: | Aug 13, 2015

Or there any credit card for no credit checking and for bad credfit

2 Replies

By: CompareCards | Aug 18, 2015

Hi Cherry,

The Credit One Bank Credit Card is designed for people who have poor credit. You can find out if you are qualified for an approval with a hard inquiry on your credit report!

By: Sharmaine McEachern | Aug 18, 2015

I have the same problem trying to find a card.No credit check and have bad credit. Is there any card that can help me.

Picture of Ana Cannon

By: | Aug 10, 2015

Which is the best card for: 0% intro on balance transfers and accumulate travel miles with minimal block outs for airlines/dates etc.. Looking to rid of 6,500 of 23% and 3,500 12%. Daughter travles for club Vball and would like to save on flights. Thanks,

1 Reply

By: CompareCards | Aug 18, 2015

Hi Ana,

Typically, travel rewards credit cards do not offer a promotional APR for balance transfers. This is because if you are carrying a balance and paying interest charges each month, that will completely negate the value of any rewards you are earning.

That said, there are a number of http://www.comparecards.com/best-cashback-credit-cards-2015 that offer a promotional APR for balance transfers. Two I would recommend taking a look at are the Citi Double Cash and the Chase Freedom.

Picture of Linda Jacobson

By: | Aug 5, 2015

I have accumulated 43% unsecured debt by bal transfers etc and now attempting to consolidate as many cc as I could credit score is in low 700's

Picture of Jenny Willoughby

By: | Jul 31, 2015

do you have cards that are below the 10.9% as the regular APR?

1 Reply

By: CompareCards | Jul 31, 2015

Hi Jenny,

The Barclaycard Ring MasterCard has an interest rate of 8% for both purchases and balance transfers. Furthermore, there is no annual fee and no balance transfer fee!

Picture of Betty Martin

By: | Jul 30, 2015

HI MY NAME IS BILLY I HAVE NO CREDIT BUT I WANTA CREDIT CARD CAN U HELP

1 Reply

By: CompareCards | Aug 18, 2015

If you have no credit, you'll probably need to start with a secured credit card. A secured card works just like a normal credit card, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard is an excellent option to start with. Once you've used your secured card responsibly for about a year, you'll be able to get approved for a standard, unsecured credit card.

Picture of Randy Norris

By: | Jul 29, 2015

Hello, I am currently in the process of TRYING to repair a lifetime (thusfar) of mistakes and bad decisions. MY credit is awful and Ive tried most all but I was wondering if ANYONE knew of ANY UNSECURED CREDIT COMPANY THAT IS LIKELY TO GIVE SOMEONE WITH BAD CREDIT A SHOT? And if its popular or even somewhat popular ive most likely tried, applied, and have been denied....so Im hoping someone possibly has any viable suggestions...thanks

3 Replies

By: CompareCards | Jul 29, 2015

Hi Randy,

There are a handful of credit cards available for people with poor credit. One option to consider if you haven't already applied for it is the Credit One Bank Credit Card. This is one of the only unsecured credit cards that will approve people with very poor credit.

However, a secured credit card might be a better option for you. Although you do have to put down a security deposit, you will get that money back if you use the card responsibly. The Capital One Secured MasterCard is an excellent option.

By: Leo Jones | Aug 3, 2015

contact capitol one credit card, they have a plan for people with bad credit. you put money on your card along with the limit that they give you, you can increase the amount with by adding money,, they will report to the credit payments for you,

By: Mary Broadnax | Aug 8, 2015

capital one try this one.

Picture of Betty Huntington

By: | Jul 28, 2015

Hi, I'm looking for a balance transfer for around 12/14K to pay off all my cards... I always have my bills on auto pay. My credit score is "only" the upper "good" because of the high ratio....I want to pay everything off quickly, then have their low interest rate.... Any ideas who might take me on? Multi inquires also lower the scores! Need advice.....

1 Reply

By: CompareCards | Jul 28, 2015

Hi Betty,

A few of the best options for balance transfers are the Chase Slate and the Citi Simplicity. However, regardless of which card you apply for, there is no guarantee that you will get approved for a line of credit up to $14,000. My advice would be to apply and hope for the best. Even if you are not approved for the full amount you were looking for, transferring even a portion of your balance to one of the low interest credit cards will save you hundreds of dollars over the introductory period!

Picture of Marty Gwen Roseberry

By: | Jul 27, 2015

I want to combine 3 credit cards to one new card and make 1payment a month, what would be the best card to get ?

1 Reply

By: CompareCards | Jul 27, 2015

Hi Marty,

One of the best balance transfer credit cards available is the Chase Slate. This card has 0% APR for the first 15 months and it's also one of the only cards that has no balance transfer fee!

Picture of Joseph Higgins

By: | Jul 26, 2015

What do you do if you have no credit at all but would like to apply for a credit card I have in the past but have been turned down for not having a credit score so how do you get accepted for a small amount to start out with and who do you go to to get it who will accept me with no credit?

1 Reply

By: CompareCards | Jul 27, 2015

Hi Joseph,

Typically, if you're trying to build credit for the first time, you'll need to start with a secured credit card. A secured card is essentially a credit card with a security deposit. You give the bank a small amount of collateral in the form of cash and they give you a credit card, usually with a relatively low line of credit. Paying your monthly bill on this card will help you build credit, and after 6 months to a year, once you've established a good repayment history and if you don't owe anything on the card, they will return your collateral to you and you can apply for a standard, unsecured card card.

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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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