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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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4.2/5.0 from 1,515 Offer Ratings
Over the Past 60 Days!

(1,515) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.99% - 23.99%* (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
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee*
  • Free access to FICO® Scores*

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Discover it® Cashback Match™

 

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3.7/5.0 from 1,329 Offer Ratings
Over the Past 60 Days!

(1,329) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • 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 Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Earn 1% cash back on all other purchases.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cashback you’ve 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.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 1,349 Offer Ratings
Over the Past 60 Days!

(1,349) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.99% - 24.99% (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 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% 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

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Capital One® VentureOne® Rewards Credit Card

 

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4.3/5.0 from 620 Offer Ratings
Over the Past 60 Days!

(620) 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 12.99% - 22.99% (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
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% 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

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.9/5.0 from 493 Offer Ratings
Over the Past 60 Days!

(493) 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 13.99% - 23.99% (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; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% 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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Blue Cash Everyday® Card from American Express

 

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3.8/5.0 from 360 Offer Ratings
Over the Past 60 Days!

(360) Over the Past 60 Days!
  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Wells Fargo Platinum Visa® Card

 

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4.0/5.0 from 357 Offer Ratings
Over the Past 60 Days!

(357) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% 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

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 744 Offer Ratings
Over the Past 60 Days!

(744) Over the Past 60 Days!
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • 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 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 295 Offer Ratings
Over the Past 60 Days!

(295) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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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 Iongi Finau

By: | Dec 13, 2014

I live a simple life, it will be great to have a credit, but it will be great for emergency.

1 Reply

By: Carolyn Duhon | Jan 5, 2015

Having one Credit Card for Emergency is great just don't get over board. I alway's tell my kid's to get one for Emergency but that is all.

Picture of Joann Rollin

By: | Dec 12, 2014

My husband had me close out my Citi Bank Master Card. Because I was over my credit line, but when the monthly payment was made, that would always leave me enough money, plus some more, so they said it was so that I didn't / wouldn't make me feel or look embarrassed. So I did get back under my credit limit, only so they would put me back under my credit limit. So for a little while, but the cycle started again,so that put me over my credit line again.This kept happening for YEARS TO ME. Okay, my credit line when I first got the card, which was back in 1983.I think they started me with a limit of $500. Over the years they kept on raising it eventually to over $23,000 I purchased something for $400.00 so that put me over my limit by $400 So when I got my bill, it would said that II went over my credit limit. So ok , I made a payment for of $800..So that then put me UNDER MY LIMIT by $600. So then I purchased an item for $850. That then put me over by $250. So the next payment was due for the purchased item of $850. plus overage $250., plus their over fee of $35. So I called them, had to give them permission to talk to my husband. They had a very long... conversation... So he told them he was just going to the bank & took a 2nd. mortgage, just to pay it off. He told them when their payment of over $21,000 was made, they were to close out the account, said me an e mail & certified letter as it was closed out & we'll never going to deal with them again. I sweare that all these plastic pushing company & employees ( only doing what they are told to do ) Because when my husband was talking to the man on phone from Citi Bank Master Card, my husband said something to the enployee to do with their policies, he was agreeing with my husband, but DIDN'T COME RIGHT & SAYING THAT. I don't know what to do, you have to have some line / kind of credit, but these banks got your ba_ _ _. Trying to act like a LADY... Unfortunately. they have people like me, with BIPOLAR, I'm not trying to make an excuse but it does happen all the time. SORRY FOR IT BEING SO LONG, i JUST HAD TO GET IT OFF MY CHEST, SAW THIS AREA ON THIS SITE, SO NOW I DID IT, THANKS FOR LETTING TO TELL YOU WHAT WE THINK.

3 Replies

By: Carol Griffen | Dec 30, 2014

i got a credit card back in the late 80's got it for emergenies when I got it I activated it ,, only to never use it ,,,I kept getting statements from them and would just throw them out ,,,, knowing that I had never used it ,,, after about ten years I had forgot all about it I had never used it so it never thought about it ,,, somewhere in that time I quite getting statements ,,, one day I opened something from a credit union not knowing what it was ,,,it said I owed 8800.00 dollars to them for them to pay them off ,,,, I call them to find out who the hell I was paying off since I never had and major bills ..... come to find out when I activated the card from Citibank they charged me 35.00 dollars to do so ... I never paid it cuz I never knew about the charge ,,,, thus ,,,, very bad credit score ,,, I guess what I am saying is don't get dragged into something you don't know what it is ,,, took me a long time to pay off something I never bought !!!!

By: Harry Fugpucker | Feb 13, 2015

1-2-3 check. one two three four five.

By: Andrea Braden | May 17, 2015

Joann Rollin why would you make purchases over your credit limit when yo knew it was over your line of credit. That's so wrong and ignorant to do that and then blame the credit card company for your credit problems. Get a life.

Picture of Kwan Ching Lun

By: | Dec 12, 2014

I have apply for a master credit card, I forgot the name of card, but I remember the card issued by the Cominity Bank. I never heard this name of Bank in USA. Is it the fraud case?

1 Reply

By: Otto Lippert | Dec 22, 2014

No I have a gas reward card with them

Picture of Maria Sanchez

By: | Dec 9, 2014

i would like a credit card with at least 500.00 credit for the holidays cause my credit is poor and would like to built up my credit by starting this way and also with no up front payment.

Picture of Rebecca Bray

By: | Dec 1, 2014

Are any of the card unsecured for bad credit? I know that is a pipe dream!!

Picture of Marlene Haas

By: | Nov 30, 2014

I want a low interest caed so I can trnsfer balance from high interest card.

Picture of Crystal Caston

By: | Nov 25, 2014

I applied for the Capitol one card.....they helped me.... low amount... but i appreciate it and plan on rebuilding my credit....Apply for that one..<>

Picture of Earline Buchanan

By: | Nov 24, 2014

have not always had good credit, but good now.

Picture of Onetta Morgan

By: | Nov 23, 2014

I,M STILL BEING REFUSED PLEASE FIND ME JUST A SMALL CARD FOR $500 THANK YOU

14 Replies

By: Louise Toombs | Nov 26, 2014

what is your credit score?

By: Don Sobala | Dec 5, 2014

Try Capital one Quicksilverone. I was able to secure the card after I had to file for bankruptcy. Very easy to apply online.

By: Fra Cas | Dec 14, 2014

Capital One will give you a Quicksilver.

By: Kylie Allison | Dec 16, 2014

Wells Fargo offered me my first credit card when I was in college and I had no credit. It started me off with $600. Maybe check with your local bank!

By: Sue Little | Jan 13, 2015

If you ever get behind . you can hang it up ! know cares what happen to get you that way .

By: Linell Pearson | Jan 20, 2015

I understand exactly. I have been trying to get a card with 500. and just can't. Had an illness which caused some bad credit but all of it. This was quite a few years ago too. They won't even give me the 10 second answer. You can't get started again if you can't get a card. Right?

By: Hillary Taylor | Feb 12, 2015

Go to your bank in person and deal with your banker.

By: Olive Henry | Mar 28, 2015

GO TO CAPITAL ONE, THEY WILL HELP YOU

By: Dr-Will McKay | May 15, 2015

Try Credit One, or Capital One, or Continental Finance

By: Elena McCoy | May 15, 2015

Try credit unions. They have low interest.

By: David W. Cornelius | May 27, 2015

I have A Woodforest Bank Account and A Woodforest Bank Card I'd Like to get A Card Please

By: Larry Wall | Jun 3, 2015

first premier bank might help.

By: Ginny Almond | Dec 23, 2015

I know this has taken a year for me to respond to you but, I thought my advice might still be used if you have not found another solution already, Not long after a bankruptcy, I approached my personal bank, to ask how to begin rebuilding credit. They suggested I save up $500-$1,000 I could spare to "secure" or "be awarded " a Master Card/Visa for that amount. After keeping a good use and payment record on this secured card for 12 months, my security deposit was moved to a savings account, my card limit was slightly risen, and I then had a credit card that I've used for 7 years at a good rate and a current $4,500.00 credit limit. It can be found and done. It just takes some persistence, time, and effort on your part. I would begin with your bank or Capital One. If you need a loan immediately, DON'T go to a short-term lender! Sacrifice something else, your TV Service, Entertainment Budget, Food and fuel for travel adjustments, etc. Good Luck and Blessings to you Onetta

By: Barry W. Hersh | May 9, 2016

Credit One will give almost anyone a starter credit card. 500.00 balance, high APR and high monthly fees. The upside is they will raise your credit limit every six months if you make payments on time.

Picture of Tudy Flansburg

By: | Nov 21, 2014

my score is 850 .. I dont have a card but i want one. Does the interest rate compare to your score? Like id love to have an interest of 10 percent.

7 Replies

By: Louise Toombs | Nov 26, 2014

If your credit score is 850 your interest rate should be much lower than that. My credit score is 794 and I don't have a CC with interest rates in double digits.

By: Otto Lippert | Jan 26, 2015

Simmons First National bank of Arkansas is the lowest in the nation.

By: Esther Moulton | Mar 9, 2015

Good grief, you'd like an int rate of 10%? What are you paying, girl? I have a $25,000 credit limit with Citicard and they are WONDERFUL to deal with. There are no annual fees, no late fees ever. Would not go with anyone else but I have always paid on time as I'm trying to get the card paid off. It's been a struggle but they truly have been super to deal with. Highly recommend them. I would never have a credit card balance of $25,000 EVER but it's there if need be.I always take advantage of the balance transfers with 0% int but there is a transfer fee of 3% but still saving way more in interest than the 3% fee. I like it!!!

By: Michael Quale | Mar 10, 2015

There is no way you can have an 850 and not have any credit cards.

By: Charlie C McIntire | Apr 16, 2015

I thought the same thing, how can you possibly have an 850 score with no cards?. I have a 5 different cards, have never made a late payment on one and always paid more than the minimum and my score is 775. So how do you achieve aan 850 with none?

By: Dr-Will McKay | May 15, 2015

Charlie, You have to pay them off or make sure the balances are 35percent or less from the credit limit.

By: Gin Jeez Beam | May 17, 2015

Yeah. It's impossible to achieve a 850 and not understand how credit works. With no credit cards and hoping for 10% interest rate just proves that you have little to no experience with any type of credit, so the possibility of obtaining an absolutely perfect fico score is unrealistic. But anyway regardless, use credit karma as a starting place, it's free and very useful. Depending on your credit score(your real one) you can apply for cards that you may qualify for. If your score is low or you have no credit, paying for a prepaid credit card, would be a good option. Interest will probably be high but after a few months of on-time payments, your score will get better so as you should qualify for a better card. Get rid of the highest interest cards and always be responsible with your credit. You'll have low interest credit cards and a good credit score in no time. - (10year loan officer for a major bank.)

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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