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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 723 Offer Ratings
Over the Past 60 Days!

(723) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 18 months on Purchases*
  • Intro BT APR 0%* for 18 months on Balance Transfers*
  • 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 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 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness* 
  • 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

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 720 Offer Ratings
Over the Past 60 Days!

(720) 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

See additional details for Capital One® VentureOne® Rewards Credit Card

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Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 1,410 Offer Ratings
Over the Past 60 Days!

(1,410) 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 14.74% - 24.74%* (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
  • 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 14.74% - 24.74%, based on your creditworthiness* 
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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 
  • $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 Balance Transfer Offer

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Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 743 Offer Ratings
Over the Past 60 Days!

(743) 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

See additional details for Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

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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 428 Offer Ratings
Over the Past 60 Days!

(428) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.90%-26.74% (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, then a 16.90%-26.74% 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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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 94 Offer Ratings
Over the Past 60 Days!

(94) 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 12.74%, 16.74% or 20.74% 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 378 Offer Ratings

(378)
  • 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 16.74% - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% 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 Journey?
  • No annual fee

See additional details for Chase Freedom Unlimited®

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The Amex EveryDay® Credit Card from American Express

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 1,866 Offer Ratings
Over the Past 60 Days!

(1,866) Over the Past 60 Days!
  • Intro and Regular APR 0% for 15 Months, then 14.74%-25.74% Variable
  • Rates & Fees $0 annual fee & $0 balance transfer fee.
  • Rewards Rate 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for The Amex EveryDay® Credit Card from American Express

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BankAmericard® Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 324 Offer Ratings
Over the Past 60 Days!

(324) 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
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Regular APR 14.74% - 24.74% Variable APR
  • 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 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% 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

See additional details for BankAmericard® Credit 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 Erek Garcia

By: | Jun 17, 2016

I have 2 credit cards. one is half utilized the other is maxed. never missed a payment. i want to pay them off quickly. i'm wondering if balance transfer would be a good idea that way my utilization goes down thus improving my score. i have had them for 2 years. both thru capital one. any suggestions?

1 Reply

By: CompareCards | Jun 20, 2016

The Chase Slate card is an excellent option for balance transfers. It offers no annual fee, 0% intro APR for 15 months, and no intro balance transfer fee for transfers made within the first 60 days.

Picture of Pauline Hicks

By: | Jun 16, 2016

My credit score is 827. I have one credit card but would like another with cash bonus. I never carry a balance and like having access to my FICO score what card would be best for me?

1 Reply

By: CompareCards | Jun 20, 2016

With a score in the 800s, your credit is considered excellent and you should be able to get approved for any credit card you choose. For cash back and a free FICO score, two great options are the Citi Double Cash and the Discover it® Cash Back.

Picture of Donna Nielsen Marano

By: | Jun 15, 2016

Best card for balance tranfers

1 Reply

By: Denise Mihok | Jun 16, 2016

CapitalOne is the best card for balance transfers .treated as a purchase .no charge if paid when bill is due.

Picture of Bert Benevento

By: | Jun 14, 2016

The CitiCard Mastercard pays 2% in real money on ALL categories. Best card ever. Better than airline points & other stuff. I have gotten several hundreds of dollars in rebates in my first year. This is not accepted at Costco, but the new Costco Visa offers 2% on purchases in the store (4% for gas). So with these 2 cards, I get 2% or higher on all my purchases.

Picture of Dewayne C Presson

By: | Jun 14, 2016

What is your definition of excellent credit. I have a score of 720. Is that good enough for any of these cards? Thanks

1 Reply

By: CompareCards | Jun 15, 2016

Credit card applications do not require a specific credit score number to get approved, but your credit score serves as a reference point to determine the likelihood of getting approved. A score of 720 is good and close to excellent. You would have a good chance of getting approved for many of the offers on this page, but there is no guarantee.

Picture of Nikki Jones

By: | Jun 13, 2016

I'm Handicapped at age 54, not working, on Soc.Sec. but have a 745 fico, got my first citi diamond perf. 5k limit. spent 350.00 bucks, and paid a 250.00 payment, and now just pay the min.. i just don't like them for pleasure, just emergencies. my only card------thankful.

1 Reply

By: David Bitting | Jun 19, 2016

Paying the minimum costs you a great deal in interest.

Picture of Donald Harris

By: | Jun 9, 2016

My credit score is 850. I already have a BankofAmerica Cashback card. Should I consider changing it for a better deal?

1 Reply

By: CompareCards | Jun 10, 2016

With a score of 850, you should be able to get approved for any credit card you want. The BankAmericard Cash Rewards is a great cash back credit card, particularly if you spend a lot of money on gas and groceries. If your card doesn't have an annual fee, I would recommend keeping it open it order to maintain your excellent credit score. But if you wanted to add another rewards card to help you bring in more cash back, the Citi Double Cash would be a great option. This card earns 1% cash back on purchases, and another 1% on your payments.

Picture of Terri Albo

By: | Jun 9, 2016

My credit score is just over 600, what would be a good credit card for me? I already have a good standing account with Capital One for my auto loan.,

1 Reply

By: David Varela | Jun 11, 2016

my credit was 600 and I was approved for a capital one card, they started me with the standard card and a low limit, it took several years, but I have never been late, they upgraded me to venture card,

Picture of Eddie Regory

By: | Jun 8, 2016

hi, My credit score is at 785. What is the best card for me?

Picture of Mary Ann Adams

By: | Jun 6, 2016

My credit score is only about 673. I would like to transfer 2 of my balances to a 0% with no transfer fees and no yearly fees. Any suggestions?

1 Reply

By: CompareCards | Jun 7, 2016

With a score in the mid to high 600s, your credit is borderline fair/good. You may be able to get approved (though it is not guaranteed) for the Chase Slate which offers 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days.

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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" " 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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