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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

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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*

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 385 Offer Ratings
Over the Past 60 Days!

(385) 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 David Merritt

By: | Dec 9, 2016

I have a low to mid 700 score. What is a good card for 0 percent balance transfers for atleast 18 months or more?

Picture of Nina Faison

By: | Dec 4, 2016

What's a good card for someone with a score of 670?

1 Reply

By: CompareCards | Dec 5, 2016

With scores in the mid 600s, your credit is considered fair and there are a number of solid credit cards you may be able to get approved for. Check out our credit cards for fair credit page to see all the best options! If you're looking for cash back, I'd recommend the Capital One QuicksilverOne. For a good rewards program with no annual fee, the Barclaycard Rewards MasterCard is a great option. If you're simply interested in building credit or having a simple credit card, check out the Capital One Platinum Credit Card.

Picture of Paula Alvarez

By: | Dec 2, 2016

My credit score is 693 which card would you recommend I apply for? Is my credit considered fair/good or where does it fit in?

2 Replies

By: CompareCards | Dec 5, 2016

You are correct that your credit score is in the fair/good range. Generally speaking, you shouldn't have a problem getting approved for credit cards for fair credit, and you may get approved for credit cards for good credit, though it is not guaranteed. One card that would be a good fit for you is the Barclaycard Rewards MasterCard. It comes with no annual fee and a solid rewards program.

By: Kasandra Clackley | Dec 9, 2016

one other scores range from 501 to 990 highest I have ever heard of 815 /820 so a 693 is real good better than fair/good just food for the mind there Paula

Picture of Sharon Hendrickson Dillsaver

By: | Dec 1, 2016

I want a card with the best cash bonus for applying.

1 Reply

By: CompareCards | Dec 5, 2016

The Chase Sapphire Preferred offers 50,000 bonus points after you spend $4,000 in the first 3 months. That's worth $500 as a statement credit or even more if you choose to redeem for travel!

Picture of Lenette Stapleton Mills

By: | Nov 30, 2016

Is there a credit card comparable to American Express where we can earn travel points that does not charge a fee?

1 Reply

By: CompareCards | Dec 1, 2016

There are many credit cards that offer travel miles or points and come with no annual fee! A few of the best options would be the BankAmericard Travel Rewards, Capital One VentureOne, or Discover It Miles.

Picture of Carmen Romero Reynolds

By: | Nov 29, 2016

My son has a credit score of 625 but has a balance that he wants to transfer to a lower interest rate. Which card do you recommend?

1 Reply

By: CompareCards | Nov 29, 2016

With a credit score of 625, his credit is considered poor/fair and his options for balance transfer credit cards will be somewhat limited. One card that would be a great choice if he is able to get approved would be the Capital One QuicksilverOne!

Picture of Yasir Mahmood

By: | Nov 28, 2016

I'm looking for credit card, what the best card I can have and my score credit 517? which one I can get it?

1 Reply

By: CompareCards | Nov 28, 2016

With a credit score in the 500s, your credit is considered poor and you will 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. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

Picture of Larry Brignac

By: | Nov 21, 2016

what would be the best card my score is 828?

1 Reply

By: CompareCards | Nov 22, 2016

With a credit score over 800, your credit is considered excellent and you will likely be approved for any credit card you apply for. If you're looking for a low interest credit card, the Citi Diamond Preferred or Barclaycard Ring MasterCard would both be great options. If you'd like cash back, check out the Citi Double Cash or the Discover It Cashback Match cashback. For travel rewards, the Chase Sapphire Preferred or the Capital One Venture would each be a great choice. With your high credit score you can take your pick from whichever credit card you like!

Picture of Johnny Canedo

By: | Nov 15, 2016

My score is 652 what's out there for me with a low interest

1 Reply

By: CompareCards | Nov 21, 2016

With a score in the mid 600s, your credit is considered fair/average and there are a few solid credit card offers you may be able to get approved for. The Capital One QuicksilverOne and the Barclaycard Rewards MasterCard would both be great options to start with!

Picture of Lizzie Lycett

By: | Nov 14, 2016

I am new to credit and have been building credit pretty steadily. I have a 659 transunion score, and am looking for a card that i can be approved for. The only thing is i applied for my banks (Sdccu) visa, and was denied. I am in need of a card for emergencies and have never missed a payment. What would be the best card for me?

3 Replies

By: Patti O'Gara | Nov 23, 2016

I would suggest Cap One. They are very good when you are trying to get started and a very good company. They started me out years ago and even though they are a little higher (because they take the risk) I still keep one of their cards because I like the company. Make sure you pay all your bills on time....if not, you are fighting for nothing!

By: Rob Smith | Nov 24, 2016

Up at the top of the page is a dropdown labeled "Credit Quality". It gives choices for different credit score levels. I saw some that said they would pre-approve - that is tell you if you would get it without it impacting your credit score. Your credit score can drop from a new credit application.

By: Rosa Valdez | Nov 25, 2016

Lizzie, to gain a credit history, it takes time. Start with small store and gas station credit cards. When you establish a history with them, go for the higher cards. Never pay the minimum, always pay off the maximum or at least 3/4 of what the charge was worth or as close to it as possible.

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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