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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 1,385 Offer Ratings
Over the Past 60 Days!

(1,385) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 15.99% - 25.99%* (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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 1,000 Offer Ratings
Over the Past 60 Days!

(1,000) 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 14.74% - 24.74% (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; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% 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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3.8/5.0 from 557 Offer Ratings
Over the Past 60 Days!

(557) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for 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
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to 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:

3.9/5.0 from 465 Offer Ratings
Over the Past 60 Days!

(465) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 13.49%-26.99% (Variable)*
  • 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 (fees apply), then a 13.49%-26.99% 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® Credit 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

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Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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4.4/5.0 from 395 Offer Ratings
Over the Past 60 Days!

(395) 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 13.74% - 23.74% (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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 479 Offer Ratings

(479)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Regular APR 16.99% - 25.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 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 Journey℠
  • No annual fee

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Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 578 Offer Ratings
Over the Past 60 Days!

(578) 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 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
  • NEW OFFER: 25,000 online bonus points if 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, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

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

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 557 Offer Ratings
Over the Past 60 Days!

(557) 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 balance transfers made in the first 60 days
  • 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 800-716-6383
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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Wells Fargo Cash Wise Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 99 Offer Ratings
Over the Past 60 Days!

(99) Over the Past 60 Days!
  • Intro APR 0% for 12 months on Purchases and Balance Transfers
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Ongoing APR 15.99%-26.99% (Variable)
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • 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 Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 241 Offer Ratings
Over the Past 60 Days!

(241) 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%, 16.99% or 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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Picture of Elaine Kates

By: | Sep 2, 2016

Do any of these cards have 0% with a 0% transfer fee?

1 Reply

By: CompareCards | Sep 6, 2016

The Chase Slate card is an excellent credit card for balance transfers as it offers 0% intro APR for 15 months on purchases and balance transfers and there is no fee for balance transfers made within the first 60 days of account opening.

Picture of Tom Jensen

By: | Aug 25, 2016

I believe the best card whichI have is the CITI Double cash if you pay off you bill each month 2%. If you don't you only get 1% on your purchases.

Picture of Kamal Khandelwal

By: | Aug 23, 2016

Think CITI is the best one

Picture of Mickey Cashen

By: | Aug 16, 2016

The Citi Double Cash Card (2% cash-back) is the card I use when my other no-annual-fee cards only offer 1% cash-back, which happens mostly at discount stores like Aldi or Walmart. I keep a detailed spending record and spend about $6000 at stores that my up-to-5% cards only give 1% at so the extra 1% from Double Cash means $60/year or $600/decade. It all adds up! I'm now getting $660 - $860/yr in Cash Back on avg. spending, using the right card in the right place. My latest purchases were 4% cash-back on gasoline with the Citi Costco Visa, 5% cash-back for tools/screws at Lowes with Discover, and 5% cash-back at a restaurant with Chase Freedom Visa - the latter also gives 5% off Costco and Sams Club through the end of the year. As long as you pay-off you entire credit card statements each month to avoid paying interest and stick to a budget so you don't overspend, it's foolish to pay with cash anymore - things are cheaper with cash-back cards.

1 Reply

By: Laurie Frederick | Oct 3, 2016

Thanks for the input. I'm always excited to see people who even outdo me on intelligent use of credit cards and getting the most out of them. Keep up the good work!

Picture of Mickey Cashen

By: | Aug 10, 2016

The AmEx Blue Cash Everyday card gives 3% cash-back at groceries stores - compared to the 2% AmEx card listed here - plus the both have the same 1% on everything else and no annual fee. Discover Card and Chase Freedom Visa have rotating quarterly 5% cash-back deals that are very worthwhile: gasoline, groceries, hardware stores, restaurants, movies, Costco/Sams Club, Amazon.com, etc. Also no-annual-fee cards. Those two are my most-used credit cards, and I have several to max. my cash-back.

1 Reply

By: Steve Bagwell | Aug 26, 2016

Small correction, Costco no longer accepts AMEX only Visa.

Picture of Kathleen Calahan

By: | Aug 9, 2016

What constitutes a purchase? Does paying a bill, like utilities or hospital bill, count as a purchase?

1 Reply

By: CompareCards | Aug 11, 2016

You will have to check the specific terms and conditions on your credit card to know for sure which transactions count as a purchase, but in most cases, paying bills will count. Typically, the only charges to your credit card that do not count as a purchase are "cash equivalents" like money orders, cash advances, balance transfers, and in some cases, gift cards.

Picture of Jeri Schmidt

By: | Aug 5, 2016

I currently have a Rapid Rewards Visa & get points for airline travel on Southwest. I only travel 2-3 times a year. I do have an annual fee & I pay the balance in full every month. Is there a better card for me?

5 Replies

By: JoeJoe Lenz-Diez | Aug 7, 2016

Yes, any card that has no annual fee,

By: Marc Harrell | Aug 8, 2016

Jeri, Depending on how long you have had that card, I would not close it, because it may be a long trade on your credit report. Only you can be the judge of that. If you like rewards, then I might offer the Amex Senior Gold Charge Account. You pay it off every month and the benefits and rewards beat out all other rewards program. I am not sure if it offers a fee or not but I no they waive it the first year. Also look at the Barclay Ring Card, best rate around on a card, no frills like rewards but 8.25%. I did this professionally for 15 plus year. That southwest account is I want to say a Chase product or at least it was. I would call them and see if they can switch your product to a Slate card and earn rewards to any airlines. Please feel free to ask any questions you have....Jeri Knowledge is power and to ask makes you powerful. Dont ever trust anyone advice on this thread including myself, just check behind what I have said and you will see I am correct.

By: Jack Kirk | Aug 21, 2016

I also have the Chase Rapid Rewards Visa. It is the original one with the $69 annual fee. I use the points for two to travel one time a year across country. I run nearly all of my normal expenses through it so that I can accumulate points. Considering what my air travel would cost, I'm saving $600 - $800 a year. That is a better return than all of the "cash back' cards out there. I would not give up mine...

By: Dennis C Finch | Aug 27, 2016

CapitalOne beats all cards out no hidden agenda Venture card is my pick for my Family and QuikSilver real rewards all the time no waiting on flight seats or your money everyday all the time number one.

By: Lisa Krygier | Sep 21, 2016

But you get a 6000 point bonus every anniversary which with Southwest can easily equal a one way ticket depending where you want to go.

Picture of Jessica Jean

By: | Aug 3, 2016

I have the one of the 10 cards above and I love it! I earn a ton of rewards and it only takes a little extra planning. I would recommend any of these cards, great choices.

1 Reply

By: JoeJoe Lenz-Diez | Aug 7, 2016

and which is the one card that you have?

Picture of Richard T Maloney

By: | Aug 3, 2016

what is considered an excellent credit score?

3 Replies

By: CompareCards | Aug 4, 2016

An excellent credit score is typically considered anything in the mid 700s and up.

By: James A Barnes Jr. | Aug 5, 2016

I agree with the mid-700's and up reply. Here's what tickles me though....I have 3 major cards that gives your credit score every month...they all report around the same time of the month and all three of them uses TransUnion....Last month I received credit scores of....779, 749 & 721....How can I have 3 drastically different scores coming from the same reporting agency around the same time of the month....smh..??? There has to be something I'm missing.....Chucklin'.

By: JoeJoe Lenz-Diez | Aug 7, 2016

anything over 790 is considered excellent.

Picture of Kevin Amsberry

By: | Aug 2, 2016

Am/Ex Story; I had car trouble in the family suburban in Nebraska over Christmas and needed to rent a car to make it to Denver. The only place was a small car dealership. I had a Platinum American Express but they didn't take it, but because I had a Platinum Am/Ex they just gave me a car for 3 days and I paid them cash when I returned. Crazy huh?

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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