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The Amex EveryDay® Credit Card from American Express

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 190 Offer Ratings
Over the Past 60 Days!

(190) 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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Discover it® Cashback Match™

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 706 Offer Ratings
Over the Past 60 Days!

(706) 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

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 803 Offer Ratings
Over the Past 60 Days!

(803) 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

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 1,082 Offer Ratings
Over the Past 60 Days!

(1,082) 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

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 396 Offer Ratings
Over the Past 60 Days!

(396) 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

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 324 Offer Ratings
Over the Past 60 Days!

(324) 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®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 284 Offer Ratings

(284)
  • 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 Leeann Case

By: | Sep 11, 2015

I looking for a lower Interest rate card.I have a citi card with a high balance and Is taking me for ever too get it paid down,I pay way over on my payment I pay 100.00 a month and still taking 4ever too get it.what would be the best card so I can get somewhere on this down thank you..leeann

1 Reply

By: CompareCards | Sep 14, 2015

Hi Leeann,

There are a number of great options for balance transfer credit cards. The Chase Slate is a great place to start because if has 15 months with 0% APR and no balance transfer fee. Another great options is the Citi Simplicity which offers 21 months with 0% APR, but with a 3% balance transfer fee. Boths cards come with no annual fee!

Picture of Anne Middleton

By: | Sep 9, 2015

many lucky people around....me cannot get credit anywhere just because I went into default 39 years ago...now I have a job and fortunately do not need a credit account...in fact I have so much I lend to others free of interest and allow them up to one year to pay......no one has defaulted and many have sent me small presents as a thank you. I refer myself as being Santa.

3 Replies

By: Sandy Tesch | Sep 11, 2015

People to people loaning I think it is a great idea ,many ppl can't qualify for bank cards for whatever reason and if u can get one the interest is ridiculous.I have heard of this that other countries do this for a smaller interest rate.If I was financially able I would do this Why should the banks get all that interest?

By: Staci James | Sep 14, 2015

how does that work? I am trying to build my credit score for a new home . Can you please tell me how you have done this.

By: Susana Sanchez | Sep 23, 2015

well that's good of you how I wish In had a friend like you I really need some help thanks for helping the People you know May God be with you.May God keep giving you more so you can keep helping the ones that need it

Picture of Zeny Viernes

By: | Sep 5, 2015

I need to build my credit up and I just don't know which one who could help me. I was always deny when I apply for credit card that it says I can build my credit...My bank suggested me to apply for secure banking card...

2 Replies

By: CompareCards | Sep 9, 2015

Hi Zeny

As long as you're paying your bills on time, any credit card will help you build credit. One option for you to consider is the Capital One Secured MasterCard. You'll have to put down a refundable security deposit to get approved, but it has no annual fee and after you use it responsibly for about a year, you should be able to get approved for a standard, unsecured credit card.

By: Brandon Marcum | Sep 14, 2015

I would go for capitalone

Picture of Polly Stallings

By: | Sep 4, 2015

We are retired and living on a fixed income so we try to use cash.

Picture of Sandy Fey Hoke

By: | Aug 30, 2015

Thats ok, I have excellent credit, took me many years, but I did it. Yay!!! I can now buy a home, and quit paying someone elses mortgage. It's a great feeling. Everyone can do this, it just takes time

Picture of Denise Lofgren

By: | Aug 24, 2015

These cards say "for customers with excellent credit". Not for those of us that are trying to rebuild our credit after life changes

2 Replies

By: CompareCards | Aug 24, 2015

Hi Denise,

There are a number of credit cards available for people who don't quite have excellent credit. In fact we have specific pages that list the best credit cards for people with good credit, fair credit or bad credit. Be sure to check them out!

By: Maddock Mike X | Sep 1, 2015

denice try a credit union with good credit you can get a card @ 9.99% and no annual fee

Picture of Robin Zecher

By: | Aug 24, 2015

I usually use british airways or virgin air to fly to London what would be the best creditcard to earn miles and lowest interest rates

1 Reply

By: CompareCards | Aug 24, 2015

Hi Robin,

Typically, travel rewards credit cards do not come with low interest rates. That's because if you're carrying a balance on your credit card, the interest you are paying will always negate the rewards that you are earning. Basically, if you carry a balance, you'll always be better off with a low interest card with no rewards, and if you pay your balance off in full each month, you won't have to worry about whether your rewards card has a high interest rate.

That said, the Chase Sapphire Preferred would be an excellent credit card for the type of travel you are doing because you can transfer your points from this credit card directly to British Airways and Virgin Atlantic Flying Club!

Picture of Tony Dixon

By: | Aug 23, 2015

tonydixon 8/22/15 i am look for a low interest ,with rate.opercent for two yearlyfee .i want to

1 Reply

By: CompareCards | Aug 24, 2015

Hi Tony,

There aren't currently any credit cards that offer 0% APR for 2 years, but the Citi Simplicity and the Citi Diamond Preferred offer 0% APR for 21 months on both purchases and balance transfers, and both cards come with no annual fee.

Picture of Lorenzo Ramirez

By: | Aug 23, 2015

What is the Fee of the Citi Simplicity and Diamond preferred cards for 21 months.?

1 Reply

By: CompareCards | Aug 24, 2015

The Citi Simplicity and the Citi Diamond Preferred both have no annual fee and a balance transfer fee of 3%.

Picture of Martin Michaelis

By: | Aug 22, 2015

no fee balance transfer fee ???

1 Reply

By: CompareCards | Aug 24, 2015

Hi Martin,

The Chase Slate is currently the only credit card that has no balance transfer fee, no annual fee, and an introductory 0% APR for 15 months on purchases and balance transfers.

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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