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The Amex EveryDay® Credit Card from American Express

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 2,286 Offer Ratings
Over the Past 60 Days!

(2,286) 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 14.49% to 25.49%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 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.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • 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

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 1,093 Offer Ratings
Over the Past 60 Days!

(1,093) 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 13.49% - 23.49% (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 10 miles per dollar on hotels when you pay with your VentureOne card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% 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

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 249 Offer Ratings
Over the Past 60 Days!

(249) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 18 months on Purchases*
  • Intro BT APR 0%* for 18 months on Balance Transfers*
  • Regular Purchase APR 15.49% - 25.49%* (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 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% 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

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Discover it® Cashback Match™

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 1,083 Offer Ratings
Over the Past 60 Days!

(1,083) Over the Past 60 Days!
  • Intro Purchase APR 0% for 14 months
  • Intro Balance Transfer APR 0% for 14 months
  • Ongoing APR 13.49% - 24.49% Variable
  • 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 unlimited 1% cash back on all other purchases – automatically. 
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically. 
  • Redeem cash back any amount, any time. Rewards never expire. 
  • Use your rewards at Amazon.com checkout. 
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cashback Match™

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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 669 Offer Ratings
Over the Past 60 Days!

(669) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.65%-26.49% (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 16.65%-26.49% 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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Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 460 Offer Ratings
Over the Past 60 Days!

(460) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 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 877-836-4537 TTY: Use Relay Service
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $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 Balance Transfer Offer

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 749 Offer Ratings

(749)
  • 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 16.49% - 25.24% 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 16.49-25.24%. 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
  • Free credit score, updated weekly with Credit JourneySM
  • 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 Manuel Perez

By: | Dec 6, 2017

Which of these cards do not charge for use outside the United States?

1 Reply

By: CompareCards | Dec 7, 2017

Check out our page for credit cards with no foreign transaction fees to see all of the best options for cards that won't charge you for purchases while traveling outside of the U.S.!

Picture of Pamela Schmidt

By: | Dec 3, 2017

Can you use the credit card to pay off another credit card?

4 Replies

By: CompareCards | Dec 7, 2017

The practice of paying off one credit card with another credit card is called a balance transfer by taking advantage of 0% intro APR on a balance transfer credit card you can pay down your balance interest-free during the intro period. Check out our complete guide to balance transfers for more information!

By: Robert Kurtz | Dec 7, 2017

Yes you can but only do it if you get a zero interest account. It worked for me. I have 5 cards with 0 balances and only use PayPal for online purchases and pay them off monthly.

By: Dave Metoni | Dec 9, 2017

Bank of America Travel rewards definitely, I have one and love it

By: Michael Finley Sr. | Dec 19, 2017

Most of my credit cards are max to the rim. So I find it hard to get approve for a 0% interest credit card. Although, my credit score is in the 700 range. Any advise on is helpful. Thanks

Picture of Carolyn Handley

By: | Nov 26, 2017

I have read all of these transfer cards. It sounds great.

Picture of Joey Seeley

By: | Nov 21, 2017

Can you use a Citi card in as many places as a Visa, Mastercard or Discover card?

2 Replies

By: CompareCards | Nov 21, 2017

Citibank is a credit card issuer, whereas Visa and Mastercard are credit processors. Most Citibank credit cards are processed by Mastercard and are accepted everywhere Mastercard is accepted!

By: Everett Sager | Nov 29, 2017

Citi is a bank that uses MasterCard and Visa, so yes.

Picture of Kenneth Kleiner

By: | Nov 19, 2017

The only cards I use are Costco Visa and Citi Double Cash card. Costco Visa for gas 4%, restaurants,travel 3% and Costco 2%. The Double Cash card 2% for groceries, medical, dental, utilities,car and home repairs. I basically pay everything with those cards and rarely use cash. I Generate over 800 dollars thru year on both and pay balance off every month. Works for me.

1 Reply

By: Richie Bearstar | Dec 2, 2017

Not bad. I use USAA Cashback Rewards Plus for 5% gas, US Bank Cash+ for 5% on cell phone bill and gym membership, Uber Visa for 4% at restaurants, Amex BCE for 3% groceries, Huntington Voice for 3% on utilities, and USAA Limitless for 2.5% for everything else. Not to mention 5% for store cards and rotating categories with Chase Freedom and Discover IT and additional cashback through Ebates and FuelRewards. I netted almost $2k last year. Cash back is a good hobby!

Picture of Luke Pham

By: | Oct 26, 2017

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Can you earn $150 cash bonus if you use it to pay DMV renewal fees?

1 Reply

By: CompareCards | Nov 8, 2017

Generally speaking, as long as the merchant (in this case, the DMV) will allow you to pay for your transaction with a credit card, it will be counted as a purchases and you should be eligible to earn rewards!

Picture of Harold Lasater

By: | Oct 26, 2017

I have the Discover It card. With no interest for 14 months I was able to buy what I needed and pay it back in just a few months payments instead of all at one time.

Picture of Carolyn Buckner

By: | Oct 20, 2017

Great credit card Comparison Charts

Picture of Lovette Streets

By: | Oct 12, 2017

This is a well-laid-out site and was very helpful in determining which card is best for me. Thanks.

Picture of Donna Mock Redd

By: | Sep 27, 2017

In trying to rebuild credit, what would be the best card to use? I have had issues in the past and have paid off all cards. However, I need to rebuild some positive credit. To date, the only thing on my report shows paid off delinquent accounts.

1 Reply

By: Cherrie Mckinstry | Oct 2, 2017

Continue to us your credit card but buy something for a couple dollars and just pay it. You don't have to buy an expensive item or just stuff to make monthly payments with. they check spending habits and your ability to avoid buying impulse items that will rack up your bill. Do you save any money in an account other than checking?

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.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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