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BankAmericard® Credit Card

 

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3.8/5.0 from 686 Offer Ratings
Over the Past 60 Days!

(686) 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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Citi® Double Cash Card – 18 month BT offer

 

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4.4/5.0 from 1,029 Offer Ratings
Over the Past 60 Days!

(1,029) 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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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 1,965 Offer Ratings
Over the Past 60 Days!

(1,965) 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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Discover it® Cashback Match™

 

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3.7/5.0 from 893 Offer Ratings
Over the Past 60 Days!

(893) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back 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 different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • 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

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Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.3/5.0 from 551 Offer Ratings
Over the Past 60 Days!

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

 

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Your Rating:

4.2/5.0 from 1,192 Offer Ratings
Over the Past 60 Days!

(1,192) 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*

See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 717 Offer Ratings
Over the Past 60 Days!

(717) 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.
  • 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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HSBC Gold Mastercard® credit card

 

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Your Rating:

3.7/5.0 from 168 Offer Ratings
Over the Past 60 Days!

(168) 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 11.99%, 15.99% or 19.99% 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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Wells Fargo Platinum Visa® Card

 

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Your Rating:

3.9/5.0 from 432 Offer Ratings
Over the Past 60 Days!

(432) 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

See additional details for Wells Fargo Platinum Visa® Card

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.9/5.0 from 431 Offer Ratings
Over the Past 60 Days!

(431) 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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*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 Tom Zokaie

By: | Nov 20, 2014

I have to say the people at Cap1 have been awesome to me. The extended me credit even though I had defaulted on them because of past financial troubles. They approved me for a card that offered cash back to boot. I mean the interest rate on it was high, but since I PIF'd it did not matter. I cant say enough good things about Cap1. Now that my credit is good, I still carry their cards and use it despite their higher interest rate compared to my other cards. Even if your credit is so bad you cant get approved for a card out right, they offer partially secured cards that you can later graduate to a great card. If you need a card, I would look at them first. Once you have a couple of years history with them, then Barclay card would be the next step. Please do you self a favor and stay away from "CREDIT ONE", which sounds and looks like "Capital One" at all cost. They charge you hefty fees upfront that make them a horrible choice. Good luck. P.S not having a credit card put you at a disadvantage. Case and point, you pay more for gas and groceries because most rewards cards offer 2 to 6 % cash back rewards to credit card users, which means that people who use Debit cards to buy gas and groceries end up with a reverse penalty for not using credit cards. The only caveat is that paying with credit cards, you have to set aside the cash to pay the card, as if you used your ATM for it.

1 Reply

By: Sam Bacco | Nov 29, 2014

thanks this makes sence. lost my job an trying to trying to grt low interest to pay them down. no one will help..

Picture of Irma Hernandez

By: | Nov 20, 2014

I want one for emergences and convenence

Picture of Pamela S. Colliver

By: | Nov 14, 2014

Please do no engage inn a 123 rewards visa. It is an endeavor of Kroger Company and US Bank. US Bank will really attempt to screw you up. Fortunately it is not offered here!

1 Reply

By: Louise Toombs | Nov 26, 2014

I have one. I actually get $10 $ $20 gift certificates to shop at Kroger

Picture of Shelly Jean Whaley

By: | Nov 14, 2014

dont have one really dont need it!

Picture of Jason Lowell

By: | Nov 12, 2014

What FICO score is considered excellent? Mine is 815.

9 Replies

By: Avery Richard | Nov 16, 2014

Boy NO ONE CREDIT SCORE THAT HIGH.

By: Debi Secunda | Dec 4, 2014

850 is the highest. ... yes there are scores in the 800's.

By: Nancy Black | Dec 7, 2014

Your score is excellent; top scores are in the 800's.

By: Fitzroy Sedric Cochrane | Jan 7, 2015

myfico excellent score is 760 to 850. If your credit score is 760 and over you have a excellent credit you will get the best rate

By: Michael Lee Haight | Feb 7, 2015

Funny thing is, my FICO is 810, I have 11 credit cards, from $18,500 line of credit to my lowest of $1,500....total balance of all my cards is around $2,200....and I got denied by Discover

By: Mike Jones | Feb 13, 2015

Michael lee Haight the reason you got denied wasn't because you don't have good credit it was because you have to many open line's of credit. i know it sound's dumb but very true, because you have so many credit cards you are considered a high risk. Because if you wanted to you could charge all your credit cards up and put your self in debt really bad, so there are credit cards companies that will not give out credit cards tp people with a lot of open accounts. :)

By: Esther Moulton | Mar 9, 2015

That's a pretty excellent score!!! Good for you....

By: Dr-Will McKay | May 15, 2015

You can have an 800 or higher score with just one trade line, but that does not mean you will be approved. Discover may have decided you had too much available credit already Michael Lee Haight

By: Barry W. Hersh | May 9, 2016

Discover looks at your mix of credit. If you have all substandard credit cards, loan companies, no home loan and no car payment you will not get a Discover card.

Picture of Alan Marcus

By: | Nov 11, 2014

Checking accts Santander offers you $10 reward every month if u pay 2 bills online You can get an additional $10 every month if you authorize a Direct Deposit exceeding $1500/mo (?) So that's $240 a year with no service fee

Picture of John Delaney

By: | Nov 9, 2014

Hmmm..let me see...Don't have one, don't need one. I see a person as having more money than they can spend from their rocking chair. I am a very active person, hence I do not wish to carry gobs of cash. Meeting someone turns out to meeting several people..I buy lunch or dinner..I use my credit card..I get to pay it at the end of the month and have proof of purchase. Some biddies need to think..LOL

Picture of Irma Hernandez

By: | Nov 9, 2014

good for emergences, and for special occasions

Picture of John Bryan

By: | Nov 9, 2014

the only thing about discover is you have to have 50.00 or more rewards to use them

Picture of Jose Gamas

By: | Nov 4, 2014

IF YOUR CREDIT IS NO GOOD , YOU CAN GET ONE WITH DIFERENT CONDITIONS WITH CAPITAL ONE

1 Reply

By: Harry A Broker | Nov 9, 2014

Yep Cap 1, is the only Group, helping poor and average credit scores, to a great card. Low CL and High Interest, but they help yo on your way to better your credit score. Also great Checking and Savings, under the Cap 1-360. Both Interest bearing accounts, no maintenance fees, and a gracious overdraft amount, for only 11.75 % APR attached to your 360-checking. Now, where in the world can anyone compete with them?

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

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