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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 2,284 Offer Ratings
Over the Past 60 Days!

(2,284) Over the Past 60 Days!
  • Intro and Regular APR 0% for 15 Months, then 14.49%-25.49% Variable
  • Rates & Fees $0 annual fee & $0 balance transfer fee.
  • Rewards Rate 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points 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
  • 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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BankAmericard® Credit Card

 

Rated 4.5/5 stars by our editorial team

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4.0/5.0 from 119 Offer Ratings
Over the Past 60 Days!

(119) 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
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Regular APR 14.49% - 24.49% 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% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers 
  • 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

See additional details for BankAmericard® Credit 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 979 Offer Ratings
Over the Past 60 Days!

(979) 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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Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 1,300 Offer Ratings
Over the Past 60 Days!

(1,300) 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:

3.8/5.0 from 512 Offer Ratings
Over the Past 60 Days!

(512) 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 1,204 Offer Ratings
Over the Past 60 Days!

(1,204) 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 690 Offer Ratings

(690)
  • 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 Journey℠
  • No annual fee

See additional details for Chase Freedom Unlimited®

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Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 1,370 Offer Ratings
Over the Past 60 Days!

(1,370) 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 14.99% - 24.99%* (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 14.99% - 24.99% 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*

See additional details for Citi® Double Cash Card – 18 month BT offer

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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 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?

Picture of Lor Herrera

By: | Oct 31, 2014

would like one, no one will give me one!!!!

Picture of Aaron Schmitz

By: | Oct 30, 2014

If you can't get one, you don't need one. lol

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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" " 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.

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