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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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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 Anthony LaGreca

By: | Jun 20, 2015

I and my wife had capital one credit card and they sent out letter's to both of us and said that they had to raise are interest rate from 7.9% to 17.90 because of the recession... Even though we were in very good standings with there company...Never again I now hold a credit card with chase that is 11.9% with excellent credit!!!

2 Replies

By: Cathy Traver | Jun 24, 2015

Can you tell me which Chase card you have? My husband and I have excellent credit as well but we have not been able to find a card with a rate that low.

By: Ruben Rodriguez Sr. | Jun 26, 2015

Capital One ? They take advantage from those that have a poor credit ! They started me with 300.limit, the automatically they increased to 700.00, six years later I still had the same, even that I requested an increase. They always turn me down! Finally I closed it! My lowest limit on 4 others cards, including Chase, is $8,000.00 Now they are trying to get me back, but still they only offer 300.00 limit! "I have seven inquiries on my credit report, 5 from Capital One! "without my consent".

Picture of Deborah Hindsman

By: | Jun 18, 2015

I tried the CITI MasterCard and would recommend it to anyone. This was an excellent choice to give me time to pay off my bills without an interest charge adding to them every month and has saved me a lot of money!!

Picture of Sally Williams

By: | Jun 18, 2015

I have tried all these mentioned and I have found for my life style American Express is the best

Picture of Kislasoulwinner Youngman

By: | Jun 17, 2015

I like to compare capitol one, and also Credit One Bank credit card.

Picture of Alberta Fuller

By: | Jun 12, 2015

I need to get a 0% interest fee card and pay off the one I now have. I need at least 12 months to regroup and be free of all these fees I am dealing with.

1 Reply

By: CompareCards | Jun 12, 2015

Hi Alberta,

If you have a good or excellent credit score, then there are a number of cards that would suit your needs very well. The one I would definitely recommend is the Chase Slate. This card has 0% APR on purchases and balance transfers for the first 15 month and no balance transfer fee.

Picture of Kathy Combess

By: | Jun 11, 2015

Don't want credit card now

Picture of Chad Schnur

By: | Jun 10, 2015

i cant get ebay to take my card with out being a member

Picture of John Blain

By: | Jun 8, 2015

Is there a banking card or federal credit union card with 0%-10% or less APR?

1 Reply

By: CompareCards | Jun 8, 2015

Hi John,

There are numerous credit cards that have 0% APR for a set period of time after open an account. The longest of these would be the Citi Simplicity, which offers 0% APR for the first 21 months.

After the introductory period is up, the interest rate on most credit cards will usually jump to anywhere between 10%-22% depending on the credit card and the applicant’s creditworthiness. If you’re looking for a credit card with a low ongoing interest rate, I would recommend the Barclaycard Ring MasterCard which has an interest rate of only 8%.

Picture of Tanya Dakir

By: | Jun 5, 2015

Fair credit accepted or not credit don't have to be perfect

Picture of Raymond Uttaro

By: | Jun 5, 2015

how is American express> it doesn't show on this list why it 's a good card.

2 Replies

By: CompareCards | Jun 5, 2015

Hi Raymond,

While American Express is certainly one of the top credit card issuers when it comes to rewards credit cards, they don't really have much of a reputation for offering credit cards with low interest rates. That said, one good option if you're looking for a low interest card from American Express would be The Amex Everyday Credit Card. This is a great rewards card that also comes with no annual fee and an intro APR of 0% for the first 15 months! After the intro period is up, the interest rate will fall between 12.99%-21.99% depending on your credit worthiness.

By: Raymond Uttaro | Jun 8, 2015

No long comment because i am happy with my credit card not too many people can get but with a good credit score no problem to get one who have a good low rate and as many cards 15 months at 0 % APR..it is a good card

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
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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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