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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 4,485 Offer Ratings
Over the Past 60 Days!

(4,485) 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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3.7/5.0 from 979 Offer Ratings
Over the Past 60 Days!

(979) 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 14.99% - 24.99% 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% 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, 14.99% - 24.99% 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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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 968 Offer Ratings
Over the Past 60 Days!

(968) 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 13.99% - 24.99% 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

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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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4.2/5.0 from 330 Offer Ratings
Over the Past 60 Days!

(330) Over the Past 60 Days!
  • Intro APR 0% for 15 months on purchases and balance transfers
  • Sign Up Bonus 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 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
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, 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 details for Citi Rewards+℠ Card

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 377 Offer Ratings

(377)
  • 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 16.99% - 25.74% 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 16.99-25.74%. A 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

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Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 683 Offer Ratings
Over the Past 60 Days!

(683) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 15.99% - 25.99% 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 800-716-6383
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 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
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • 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 - $200 Cash Rewards Offer

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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 843 Offer Ratings
Over the Past 60 Days!

(843) Over the Past 60 Days!
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 16.99% - 24.99% 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, 16.99% - 24.99% 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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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 780 Offer Ratings
Over the Past 60 Days!

(780) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro Balance Transfer APR 0% for 18 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 18 months from account opening. Then a variable APR of 12.99% - 20.99% 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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Capital One® VentureOne® Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 466 Offer Ratings
Over the Past 60 Days!

(466) 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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American Express Cash Magnet® Card – $150 Welcome Offer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 192 Offer Ratings
Over the Past 60 Days!

(192) Over the Past 60 Days!
  • Intro APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% Cash Back on your purchases
  • Regular APR 14.99%-25.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for American Express Cash Magnet® Card – $150 Welcome Offer

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Picture of Farn Far

By: | Dec 17, 2016

I have citi double cash card. By far this is the best credit card. You get 2% cash back and they have excellent service.

Picture of Craig Hoffman

By: | Dec 17, 2016

I have Fidelity's Visa card which pays 2% cash back, no muss no fuss, and now Visa is accepted at Costco. Fidelity has a great website also. Combine their credit card and brokerage services all in one well laid out package.

Picture of Horacio M. Briz

By: | Dec 15, 2016

very good job it will help me.

Picture of Winelle Peel Orr

By: | Dec 14, 2016

I have never paid interest on a credit card. We charge everything on our credit card, pay the balance when the statement comes, and receive 1.5% rebate.

Picture of Donal King

By: | Dec 9, 2016

So I don't travel often by air, but have excellent credit 805, but would not charge a large amount in just a few months, so what card would be best.

1 Reply

By: CompareCards | Dec 12, 2016

It sounds like the Citi Double Cash would be a great card for you! It is a simple cash back credit card with an excellent rewards rate and no annual fee.There's not an upfront bonus, so you don't have to spend a lot of money in the first few months to get the most rewards.

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.

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.

Looking to transfer your balance? Transfer your high interest debt to Citi Simplicity® Card - No Late Fees Ever with 0%* for 21 months on Balance Transfers*. Plus, you will get generous intro APR 0%* for 12 months on Purchases*.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " 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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