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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

See additional details for The Amex EveryDay® Credit Card from American Express

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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 262 Offer Ratings

(262)
  • 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 Alice M Flowers

By: | Jul 16, 2015

I want to know if vs get a credit card I also want to fix my credit up I am trying my best

Picture of Murry Abramowitz

By: | Jul 13, 2015

Awesome credit, with $49,500 in available credit after a bankruptcy and how I did it. 1. You gotta start small when you have no or bad credit. I began with a secured credit card and a $300 dollar limit from Capital One. 2. Pay your credit cards on time and your credit score goes up, it's that simple. After a year or so, Capital One sent me 2 additional credit cards. 3. 2 Years later, I noticed that my APR's for my credit cards were over 20%, so I applied for a debt consolidation Loan, from my Credit Union, and was approved. Then my credit Union offered me a platinum card with a $2500 limit. 4. I applied for an auto loan when my credit score was 720 and took out an auto loan with an APR of 7.9% 5. 1.5 years later a refinanced my auto loan for 4.9% from my credit union 6. that same week I opened an American Express Premier Rewards Gold card. Now, i had to make sure that I paid the card off every month. Once I mastered paying off my balances in full every month; 7. I opened my first cash back rewards Capital one card, with 0% for 12 months, and then every time I made a purchase, instead of paying of my balance, I transferred that money into a high yield savings account. I took advantage of the zero interest "loan" and earned interest on my purchases, in addition to the rewards offered. 8. Once the 0% offer was over, I paid the balance off completely with the money saved in my saving account, and open another 0% credit cards, and repeated the process. 9. I paid all my bills on time and have never missed a payment, my Score is now 823, I never pay interest on any credit card, and I rack up the rewards on all my purchases. I get paid to spend money. You just need discipline!!

1 Reply

By: Treesa Naturenow | Jul 21, 2015

WOW! I hope it's okay if I copy this comment for future reference. Still I'd rather have the cash, hopefully in the near future.

Picture of Kathleen Fulk

By: | Jul 12, 2015

they say you are pre-approved and when you fill out the paper work they always find a reason to say no

Picture of Earline Buchanan

By: | Jul 9, 2015

They always say you are pre approved but the application never goes through.I wish that some one would approve me to get my credit started back on the right track.

2 Replies

By: Ashley Dawn Harvey | Jul 16, 2015

I so agree with you Earline!!! I've been trying to reestablish my credit, I just recently got approved for a starter fingerhut account!! I've paid all of my payments on time and early!! I owe $11.76 and am paying it Friday! They say they report to credit bureaus!!!! We will see!!!! Just maybe if they do I can I pray get one credit card to prove myself!!!!!

By: Kim Bauer | Jul 19, 2015

Ashley, my fico score were 497 and 501 low very bad credit. 1. Got my free credit info. Once you have all three scour ovver your report for any errors or mistakes and address them first. 2. Don't expect a quick Turner this takes work and discipline but it is worth it. Anyway look for cards that will prequalify as you dont want your report full of inquires as this will negatively impact your credit score. Most likely your first card would be a $200 secured capital one card. After 6 mo to 12 mos of payments on time, NEVER go over your credit limit they will increase your limit by the amt you deposited, so you will have in unsecured card with a limit of $400.00. ALWAYS PAY ON TIME AND ALWAYS OVER THE MINIMUM AMT. Is: amt due $25.00 pay $35.00. Do this on any cards you have. Time to apply for your next card. Try Credit One, they have a preeqaulifing application as well. This card will most likely approve you with a $500 limit all unsecured. Make sure you pay on time and for over the minimum.. By now your score will most likely be somewhere over 600. And just keep on chugging and before you know it your score will be up there and you will Be getting preapproved cards that are actually preapproved and cards with great benefits. BUT BE CAREFULL DON'T GET INTO CREDIT CARD DEBT AGAIN as your score will plumment faster than you can imagine and you work so hard to get to where you're at that you don't want to be back in debt again!!! Good luck.

Picture of Leon Gosnell

By: | Jul 6, 2015

Usaa 8.9 can you Beat that if so let me know.

1 Reply

By: CompareCards | Jul 7, 2015

Hi Leon,

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 Schariff Joseph

By: | Jul 3, 2015

I AM WORKING IN MPLS CITY AS A BUS DRIVER AND I WOULD LIKE TO BUILD MY CREDIT I AND NEVER HAD ONE LIKE CHASE CREDIT CARD OR BANK OF AMERICA OR ANY OTHER AND I DO NOT KNOW EVEN WHAT IS MY CREDIT SCORE .

1 Reply

By: Mary Demere | Jul 8, 2015

Watch out for Chase Cridit Cards he had a problem with these,you need to start with a Cridit Card that only goes to $500.00 ,that way it is easyer to pay and do not let them talk you into going higher once you hit your limit that is how they get most people and they raise there percentage alsolol,mnanny.

Picture of Norma Yankley

By: | Jun 29, 2015

I had great credit. I had worked my Discover card down to 2.3. The way I did this was call up after months of paying and being on time said I was gonna close my card. They offered raised limit and better rate. Then I got divorced. Fell behind and got screwed. Now I got the Capital One card. 300 limit. Paid it off each month. After 6 months I applied for cash back Quicksilver. Got 3200 limit. So start small go big

Picture of Frederick King

By: | Jun 28, 2015

Why do you think I need more credit cards. The reason I am asking is because I am on a set income and wondering where my next nickel or dime is coming from beyond my retirement. I do not have any credit cards because I cannot afford them. Explain to me why I need any type of credit card. Please reply.

Picture of William Slaughter

By: | Jun 27, 2015

I can not get a card becaucs I have a score of 570 and nobody will help one day you or peopl needs help same you have a big car or big home and making a lotes of money thsnkyou

4 Replies

By: Jesse Ruiz | Jul 1, 2015

the u try to get one from capital one

By: Sharee Vingilis | Jul 3, 2015

My credit score was about 525 when I applied for my first capitol one card. I kept it for you a year and made payments on it every month and was able to convert up to a better card with a higher credit limit and it came with rewards.

By: Robert Cassetty | Jul 11, 2015

Try first premier or capitol one

By: Jody C Johnson | Jul 12, 2015

Amen, Brother. I know exactly where you are coming form. Can you hand me the other paddle?

Picture of Linda Gransberry

By: | Jun 25, 2015

i was looking at the black card can I apply for that?

1 Reply

By: Francis Ndirangu Mburu | Jul 15, 2015

If you have a high credit score and a high income, I assume you are talking about the Barclays bank card.The annual fee is 495 and they will give you a high limit, but if you are talking about the amex centurion card that is by invite only

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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" " 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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