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Discover it® Cashback Match™

 

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3.7/5.0 from 1,104 Offer Ratings
Over the Past 60 Days!

(1,104) 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
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with 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 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Capital One® VentureOne® Rewards Credit Card

 

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4.3/5.0 from 645 Offer Ratings
Over the Past 60 Days!

(645) 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

See additional details for Capital One® VentureOne® Rewards Credit Card

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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 1,960 Offer Ratings
Over the Past 60 Days!

(1,960) 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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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.9/5.0 from 445 Offer Ratings
Over the Past 60 Days!

(445) 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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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 1,094 Offer Ratings
Over the Past 60 Days!

(1,094) 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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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 788 Offer Ratings
Over the Past 60 Days!

(788) 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*

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

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 384 Offer Ratings
Over the Past 60 Days!

(384) 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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Wells Fargo Platinum Visa® Card

 

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Your Rating:

4.0/5.0 from 371 Offer Ratings
Over the Past 60 Days!

(371) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • 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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*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 Suzanne Ward

By: | Mar 12, 2017

So far this has been one of the best cards for me. And the customer service has been great people to work with.

1 Reply

By: Steve Bain | Apr 1, 2017

i concur, martin. i have five or six cards i use and my citi double cash is the one i use the most

Picture of Andrea Schield

By: | Mar 11, 2017

I want to fix my pool around $5,000 will fix it what is the best card to use for that?

2 Replies

By: CompareCards | Mar 14, 2017

If you're looking for a credit card that offers 0% intro APR to finance your big purchases, check out the Citi Simplicity or Citi Diamond Preferred. Both of these cards offer 0% intro APR for 21 months!

By: Dean D'Zurilla | Apr 5, 2017

The Blue Cash Everyday is the best that I'm aware of without an annual fee...I have both the Blue Everyday and the Preferred Blue Card by Amex...Love the customer service and even though the Preferred card has a $75 annual fee, it's a fantastic card that offers by far the best cash back rewards of any card out there. Best of luck with the pool.

Picture of Ronald Osburn

By: | Feb 28, 2017

Have most of those Cards!

Picture of Grace Giusti Centauro

By: | Feb 27, 2017

I am trying to pay down a credit card. Not sure which one. I need 0 transfer, 0 APR, no annual fee. Not looking to do anything but pay down my existing card.

2 Replies

By: CompareCards | Feb 27, 2017

Two cards that meet the criteria you're looking for are the Chase Slate card and the Barclaycard Ring Mastercard. They each come with 0% intro APR for 15 months, no annual fee, and no intro balance transfer fee.

By: Elias Huerta | Mar 7, 2017

I LIKE BANK OF AMERICA 0% APR FOR LONG PERIOD OF TIME, AND LINES OF CREDIT ARE REASONABLE

Picture of Dåhomie Yêntêbsin

By: | Feb 3, 2017

what is the best card for someone with bad or no credit, and trying to build their credit score?

2 Replies

By: CompareCards | Feb 6, 2017

If you have bad credit or no credit, you will probably need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. After a year or so of responsible use, you will have built up your credit enough to get approved to a standard, unsecured credit card. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

By: Carol Commissiong | Feb 28, 2017

try Discover and Wells Fargo

Picture of Susan Hodges

By: | Feb 2, 2017

I have excellent credit and I am looking for a card that has at least a 21 month 0% Introductory period, with no balance transfer fees and no annual fee. Which card would be my best option?

1 Reply

By: CompareCards | Feb 6, 2017

There is not a credit card that meets all three of the requirements you're looking for. However the Citi Simplicity and the Citi Diamond Preferred each offer 0% intro APR for 21 months. If you would rather have no balance transfer fee, check out the Chase Slate card or the Barclaycard Ring MasterCard.

Picture of Jill Sommer

By: | Jan 31, 2017

My husband and I do many outdoor activities and use many gallons of fuel throughout the year. Is there a credit card good to use for fuel purchases?

1 Reply

By: CompareCards | Feb 1, 2017

The BankAmericard Cash Rewards is an excellent option if you're looking for a great rewards rate on gas purchases. This card offers 3% cash back on gas and 2% cash back on groceries stores & wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.

Picture of Matthew Walker

By: | Jan 27, 2017

Which card has the best interest rate for someone with excellent credit after the 0% introductory period?

1 Reply

By: CompareCards | Jan 30, 2017

If you're looking for the lowest ongoing interest rates check out the Barclaycard Ring MasterCard. This card offers an extremely low interest rate of 8.5%!

Picture of Gren Jason

By: | Jan 25, 2017

I'd like to take my son, whom is 5 yrs old on a vacation every year. Whether it be Disney or outside the country, which card is best?

1 Reply

By: CompareCards | Jan 25, 2017

If you're looking for a travel rewards credit card to get you free flights, a few of the best options would be the Capital One Venture, Chase Sapphire Preferred, or the Barclaycard Arrival Plus. All three of these cards come with big sign up bonuses to help you earn points fast!

Picture of Josh Eaglen

By: | Jan 23, 2017

Looking to start building my credit What do you recommend? (Please Note my first credit card)

1 Reply

By: CompareCards | Jan 24, 2017

If you're looking for your first credit card, you may need to start with a secured card. secured credit cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

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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" " 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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