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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 5,613 Offer Ratings
Over the Past 60 Days!

(5,613) 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

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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 1,914 Offer Ratings
Over the Past 60 Days!

(1,914) 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 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, 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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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 1,109 Offer Ratings
Over the Past 60 Days!

(1,109) 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

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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 558 Offer Ratings

(558)
  • 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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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.7/5.0 from 525 Offer Ratings
Over the Past 60 Days!

(525) 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 15.74% - 25.74% (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 15.74% - 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

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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 824 Offer Ratings
Over the Past 60 Days!

(824) 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 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 and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 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 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 1,076 Offer Ratings
Over the Past 60 Days!

(1,076) 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 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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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 740 Offer Ratings
Over the Past 60 Days!

(740) 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 13.24%, 17.24% or 21.24% 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

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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 663 Offer Ratings
Over the Past 60 Days!

(663) 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 172 Offer Ratings
Over the Past 60 Days!

(172) 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 15.24%-26.24% 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 15.24% to 26.24%.
  • $0 plan fees 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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*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 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 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 theDiscover it® Cash Back 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.

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 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.

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
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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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