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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 5,380 Offer Ratings
Over the Past 60 Days!

(5,380) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 16.24% - 26.24% (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
  • 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 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 869 Offer Ratings
Over the Past 60 Days!

(869) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 15.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all 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

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Wells Fargo Platinum Visa card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 1,249 Offer Ratings
Over the Past 60 Days!

(1,249) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and qualifying balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 13.74%-27.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 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
  • Easy 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 579 Offer Ratings

(579)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.
  • Regular APR 17.24 - 25.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% 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 JourneySM
  • No annual fee

See additional details for Chase Freedom Unlimited®

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Capital One® VentureOne® Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 857 Offer Ratings
Over the Past 60 Days!

(857) 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 14.24% - 24.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • 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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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 597 Offer Ratings
Over the Past 60 Days!

(597) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 months
  • Intro Balance Transfer APR 0% for 15 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 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

See additional details for HSBC Gold Mastercard® credit card

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Bank of America® Travel Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 1,199 Offer Ratings
Over the Past 60 Days!

(1,199) Over the Past 60 Days!
  • Rewards Rate Earn 1.5 points per $1 spent on all purchases
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 17.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards credit card

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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 820 Offer Ratings
Over the Past 60 Days!

(820) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 14.24% - 25.24% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO®
  • Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

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Bank of America® Cash Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 658 Offer Ratings
Over the Past 60 Days!

(658) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Intro BT APR 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 16.24% - 26.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card

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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.5/5.0 from 983 Offer Ratings
Over the Past 60 Days!

(983) Over the Past 60 Days!
  • Intro APR 0% for 15 months on purchases and balance transfers
  • Limited Time Offer 20,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Regular Purchase APR 15.74% - 25.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Introducing the New Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 20,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • See additional Citi Rewards+℠ Card details

See additional details for Citi Rewards+℠ 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 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 are both great options.

Picture of Otto Chase

By: | Jan 7, 2017

I have the Venture Card and I love it.

Picture of Brent Kim

By: | Jan 3, 2017

For clarification purposes, all 0% APRs for "x" months will have no interest for that time period correct?Example: 0% Introductory APR for 15 months on purchases and balance transfers - I could make a purchase day 1, and that balance could be paid off over the course of 15 months with no interest accruing correct? Also, for the Citi Double Cash Card (0% Intro APR on Balance Transfers for 18 months), is this only for balance transfers and not for new purchases? Thanks

1 Reply

By: CompareCards | Jan 4, 2017

You've got it right! :)

Picture of Sherry Holmes-Beatty

By: | Jan 3, 2017

i had to file bankrupty and i need to start rebuilding my credit what card should i appy for

3 Replies

By: CompareCards | Jan 4, 2017

Any credit card that reports to the credit bureaus will help you build credit when used responsibly. If you recently filed bankruptcy, you will have 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 are both great options.

By: Jeremiah Perez | Jan 9, 2017

Credit One Bank or any secured card like Capital one bank or Citibank.

By: Eli Mejia | Jan 23, 2017

Capital One is the best to restart all over again!

Picture of Jeannine Nieman

By: | Dec 23, 2016

Do most of the cards have an annual fee? I have excellent credit rating, pay all bills monthly, but don't like the annual fee.

2 Replies

By: CompareCards | Dec 27, 2016

There are many great credit card offers that come with no annual fee. Check out our no annual fee credit cards page to see all the best options!

By: Jeremiah Perez | Jan 9, 2017

Most credit cards this days, no annual fee .

Picture of David Jagodzinski

By: | Dec 19, 2016

I have a credit score of 806 / 807 and want the best deal on a Discover credit card. Can you suggest one?

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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" " 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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