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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

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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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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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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.

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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 261 Offer Ratings

(261)
  • 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 Kathy Pennington Carnes

By: | Oct 6, 2015

i would like to know how long it takes to get approval. I have 2 cards I would like to transfer balances and one has a payment due the 14th of October. I know that is a short time !!

1 Reply

By: CompareCards | Oct 6, 2015

Hi Kathy,

When you apply online, almost every credit card application can give you an instant decision on whether or not you are approved. Most credit card applications will include a place where you can put the information in to initiate a balance transfer. I would recommend the Chase Slate, which offers 0% APR for 15 months, no annual fee, and no balance transfer fee.

Picture of Erik Theodorsen

By: | Oct 5, 2015

I am a college student looking to build his credit and I would like to know which would be the best choice out of all the cards.

1 Reply

By: CompareCards | Oct 6, 2015

Hi Erik,

The Discover It for Students card is a great option for college students. This credit card is packed with features that are perfect for a first time cardholder, and they are usually willing to approve applications even if they don't have a lengthy credit history.

Picture of Lisa Carlson

By: | Oct 3, 2015

I need a low interest credit card to help me move. I paid off all my citi bank cards prior to them due and and someone must have wrong info because my credit should be outanding

1 Reply

By: CompareCards | Oct 5, 2015

Hi Lisa,

For low interest, the card I would recommend is the Citi Simplicity. This card offers 21 months with 0% APR!

Picture of Annmarie Videtto Klawiter

By: | Sep 30, 2015

is the Chase Slate card accepted everywhere?

1 Reply

By: CompareCards | Oct 1, 2015

Hi Annmarie,

The Chase Slate is a Visa card, so it should be accepted just about everywhere that takes credit cards as a form of payment!

Picture of Thesby Tolbert

By: | Sep 28, 2015

you got to have very good credit to get one of those cards! it's not easy owning a 0% interest credit card.

2 Replies

By: CompareCards | Oct 1, 2015

Hi Thesby,

While it's true that you do need excellent credit to get approved for the best credit card offers, there are still a number of options available for consumers whose credit scores are a little lower. As Connie mentioned below, people often get approved for the Chase Slate, one of the best balance transfer credit cards, with credit scores in the mid 600s!

By: Connie Talerico | Sep 30, 2015

I got a Chase Slate with my score just reaching over 620. 2000$ limit. I have been rebuilding my credit for last 10 months and maybe that helped, however, it proves it is not impossible and your credit does not have to be "very good"! I am so appreciative for this card and the 0 interest, it came in a nick of time for me! When you work hard to rebuild your credit, just start with one card, or prepaid card, and pay on time every single month, have a little patience, and it will work out.

Picture of Kaylyn Hans

By: | Sep 28, 2015

I am planning my wedding and need a card that I can put everything on and then pay off within the following 12 or 18 months interest free. Who is the best for something like?

1 Reply

By: CompareCards | Oct 1, 2015

Hi Kaylyn,

If you have a good credit score, there are a number of credit cards that would be a great fit for you. The first one that comes to mind is the Citi Simplicity Card which offeres 0% APR on purchases for the first 21 months. This is the longest intro APR available, but you need excellent credit to get approved.

Another good choice that only requires good credit is the Chase Freedom. This card will earn you cash back on all your purchases and it offers 0% APR for 15 months as well.

Picture of Andy Vranich

By: | Sep 21, 2015

ARE THERE ANY CREDIT CARDS THAT OFFER A MONEY CASH LOAN AT TEASER RATES I.E. 2%????

1 Reply

By: CompareCards | Sep 22, 2015

Hi Andy,

Are yo referring to a cash advance? If so, credit cards are typically a pretty costly when it comes to cash advances and there aren't any cards that offer introductory rates or ongoing rates as low as 2%. One option to consider is the Barclaycard Ring MasterCard; this card offers a low 8% APR on cash advances and a flat fee of $3 per cash advance.

Picture of John J Francks

By: | Sep 18, 2015

I am starting an insurance business in Florida. My credit is average at best!! Any suggestions on what Credit Card to apply for. I don't want to keep applying for cards because it will hurt my credit more!! Thank anything you can give me on suggestions1

Picture of Beth Wilson

By: | Sep 14, 2015

I am curious and have been reading the previous comments trying to determine the best avenue to try. I am wanting a card or loan that gives me the access to @ $1,400 at the first of each month then I will make $350 payments each week. The benefit of this to me is saving time each week paying bills and if I get too busy to pay bills each week I don't fall into a late fee for that bill if that happens. I understand this will cost me some interest or fees which I hope to make this up on the 5 week pay months. Any suggestions?

1 Reply

By: CompareCards | Sep 15, 2015

Hi Beth,

Depending on your credit score, there are a number of card that could be a good fit for your situation. The Citi Simplicity offers 0% APR for 21 months on new purchases as well as balance transfers. Also, if you have good credit, but not quite excellent, the Chase Slate and the Chase Freedom both offer 15 months with 0% APR.

Picture of Shelene Walker

By: | Sep 14, 2015

I am handicap trying to build my. Creitd please help bless you

3 Replies

By: CompareCards | Sep 15, 2015

Hi Shelene,

Any credit card will report to the credit bureaus and help you build credit as long as you use it responsibly. However, which card you can get approved for will depend on your credit worthiness.

By: Norma Rodriguez | Sep 19, 2015

Hi Shelene, You can apply for a secured card which requires a previous deposit. I recomend Capital one secured card requires a previous $49 for The deposit +$30 membership fee discounted from your credit line and annual fee of $29. The credit line will be 200 dollars and if you did it good they will increase the line after 2 months up to 500. Good luck.

By: Nancy Kirby | Sep 30, 2015

Shelne If you have no credit and no bad credit against you, a plain capital one is a good place to start.

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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