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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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Your Rating:

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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Your Rating:

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 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 Greg Langweg

By: | Nov 12, 2016

I have a 720+ Credit score. If I open another credit card for balance transfer will my score drop?

1 Reply

By: CompareCards | Nov 28, 2016

Anytime you apply for a new credit card, a hard inquiry will be reported to the credit bureaus which may have a slight negative impact on your credit score. However, this effect will be small and temporary for an isolated application. And if you are applying for a credit card to pay off the balance on another card this may actually have a positive impact on your credit in the long run. This is because by opening a new account to pay off your debt you will be decreasing your credit utilization rate significantly.

Picture of Karen Sybrandy DeBlieux

By: | Nov 7, 2016

I pay off my credit cards each month. I treat them just like cash. I deduct my purchases on the CC from my check book each day. I have a credit score of 830. I am looking for a Cash Back credit card with no foreign transaction fees, that I can use for all purposes (fuel, groceries, gifts, etc) and receive cash back even when I am traveling in my RV across Canada What card do you suggest?

1 Reply

By: CompareCards | Nov 8, 2016

It sounds like the Capital One Quicksilver would be the perfect card for you! It is a great cash back rewards card that meets all the requirements you laid out.

Picture of Dorothy Thigpen

By: | Nov 7, 2016

Are any of these for poor credit?

1 Reply

By: CompareCards | Nov 8, 2016

Generally speaking, you need good credit to get approved for the best credit card offer. However, there are still a number of decent credit cards available for people with poor credit. Check them out on our page for credit cards for poor credit!

Picture of Jeanie Hubb

By: | Nov 7, 2016

I am helping my 18 year old son find a card to help build his credit. I am looking for a card with low interest and a very low line of credit. Any suggestions?

4 Replies

By: CompareCards | Nov 10, 2016

If you son is just starting to build credit, he may 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.

By: Geri Cizmar | Nov 17, 2016

Journey from Capitol One.

By: Kathy Gagliardi | Nov 25, 2016

Get an Amex card. Usually if you're able to pay off your balance each month, when you've finally established a good payment, then apply for a Citibank, Chase, etc. Then, never a problem in securing another card.

By: Renee I. Guerrero-Adams | Nov 29, 2016

You can add your son to an existing card you have as a additional user, if you pay your cards and have good credit that will help improve your son credit too!

Picture of Flora Gallagher

By: | Oct 27, 2016

I never have problems with Chase credit cards. I keep 2 of them. Good for cash and paying some bills. They help not to give you hard times.

Picture of Eddie Deans

By: | Oct 25, 2016

I have Wells Fargo Signature card and i haven't paid interest for 15 plus years with an 846 credit rating I do just about any thing I want .

Picture of Joseph McGaffigan

By: | Oct 20, 2016

I have a current credit score of 620, what can I do to get a low interest card like others. I am steadily doing the things to rebuild my credit. Thank you.

1 Reply

By: CompareCards | Oct 20, 2016

With a score of 620, your credit is considered fair and the selection of low interest credit that you can get approved for will be somewhat limited. One option to consider is the Capital One QuicksilverOne, which offers an attractive introductory APR and is available for consumers with fair credit.

Picture of Li Natalie

By: | Oct 18, 2016

I have 3 or 4 of the cards listed above, i always take adv of the quarterly rewards for 5% cash back, it really adds up

Picture of Bert Tomon

By: | Oct 11, 2016

Love my CITI Bank Cash Back card; it is like a discount on everything I purchase; Thanks CITI

Picture of Jorge L González-Becerra

By: | Oct 9, 2016

Citi Simplicity the best by far

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.

Reviews
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" " Those who always pay their balances in full and on time will usually come out ahead.

" " 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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