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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 2,325 Offer Ratings
Over the Past 60 Days!

(2,325) 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 1,072 Offer Ratings
Over the Past 60 Days!

(1,072) 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 216 Offer Ratings
Over the Past 60 Days!

(216) 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 1,066 Offer Ratings
Over the Past 60 Days!

(1,066) 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 672 Offer Ratings
Over the Past 60 Days!

(672) 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 412 Offer Ratings
Over the Past 60 Days!

(412) 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 769 Offer Ratings

(769)
  • 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 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.

Picture of Melvin Ewing

By: | Jul 25, 2015

why i cannot get aprov for creidtcards

1 Reply

By: CompareCards | Jul 27, 2015

Hi Melvin,

If you're having trouble getting approved for a credit card, I would recommend checking your credit score. You can do this for free with our Credit Concierge service, and signing up won't have a negative impact on your score.

There is a long list of potential reasons for why you are getting denied on your credit card applications. But what it generally boils down to is that you are probably applying for credit cards that require a credit score higher than what you currently have. By checking your credit score, you can see where you fall and then apply for a card that you have a better chance at getting approved for.

Picture of Stacy Swafford

By: | Jul 24, 2015

I am starting back to Graduate School this fall, I am needing a good card for gas, food, and other expenses while I'm in school. Looking for something that will have good rewards (either cash back or airline miles). I have good/excellent credit score. any advice on a particular card(s) would be greatly appreciated. Thanks in advance.

1 Reply

By: CompareCards | Jul 27, 2015

Hi Stacy,

If you have a good/excellent credit score then you shouldn't have much of a problem getting approved for any credit card. Since you mentioned gas and food, I would start by looking at the BankAmericard Cash Rewards . This card offers 3% back on gas, 2% back on groceries, and an unlimited 1% back on all other purchases.

Picture of Tim Cerchia

By: | Jul 22, 2015

I am in need of a credit car to use for mostly automotive repairs. I don't want one that limits me to where i can use it though. I had a goodyear credit card a few years back when i had to get tires suddenly and didn't have the cash to do it so i got it. however it limited me to where i could use it. besides that one time use i have not needed it since, so I don't use credit cards, but recently have begun to realize i should have one for emergencies. I just don't have the cash to cover certain car repairs that I am having. I'd like something with low interest, but also something that's not going to screw me over after one use or lack of use. i have heard for many cards (if not all of them) that having constantly even a small balance is good, but I'd rather just pay off the card and not use it again til I need to again. what's the best card for that?

2 Replies

By: CompareCards | Jul 23, 2015

Hello Tim,

There are a number of credit cards that would be a good fit for what you're looking for. The first card I would consider is the Citi Simplicity. This card has an intro APR of 0% for the first 21 months as well as no annual fee. Furthermore, it is a MasterCard, so you should be able to use it just about anywhere that accepts credit cards.

The notion that carrying a small balance will help your credit score is actually false; though it is a widespread myth. The practice of paying off your balance in full each month, as you mentioned, is hands-down the best way to use a credit card!

By: Steven Martin | Jul 23, 2015

Good Day, In response to your question. In your case a NO ANNUAL FEE card with a low interest rate would be ideal. Since, your currently not interested in points, miles, or other perks. Low interest, and No annual fee would be ideal. To build credit avoid the "store charge cards" and apply for a mainstream credit card such as Chase, Citibank or Bank of America (BofA). Any and all would assist in building credit, offer no annual fee, and be there for emergencies. Then in some time, look and read up on the low rate credit cars such as First command Bank or Simmons First Bank Visa and pay balances in full at months end and your be ahead of the game. Hopefully that helps.

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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