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Wells Fargo Platinum card

 

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3.8/5.0 from 1,524 Offer Ratings
Over the Past 60 Days!

(1,524) Over the Past 60 Days!
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  • Introductory APR 0% for 18 months on purchases and qualifying balance transfers
  • Low Fees $0
  • Ongoing APR 15.49%-24.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Pay down balances instead of interest with Wells Fargo's longest intro APR
  • $0 Annual 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 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
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

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American Express Cash Magnet® Card – $150 Welcome Offer

 

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3.8/5.0 from 803 Offer Ratings
Over the Past 60 Days!

(803) Over the Past 60 Days!
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Terms Apply

  • Intro APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% Cash Back on your purchases
  • Regular APR 12.99%-23.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • 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 redeemed for statement credits.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

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Blue Cash Everyday® Card from American Express

 

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3.9/5.0 from 260 Offer Ratings
Over the Past 60 Days!

(260) Over the Past 60 Days!
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Rates & Fees

Terms Apply

  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

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Wells Fargo Propel American Express® card

 

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4.9/5.0 from 378 Offer Ratings
Over the Past 60 Days!

(378) Over the Past 60 Days!
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  • Rewards Rate Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Introductory APR 0% for 12 months on purchases and qualifying balance transfers
  • Ongoing APR 13.99%-25.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

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Discover it® chrome

 

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3.7/5.0 from 83 Offer Ratings
Over the Past 60 Days!

(83) Over the Past 60 Days!
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  • Intro APR 0% for 14 Months on purchases and balance transfers*
  • Rewards Rate Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Ongoing APR 11.99% - 22.99% 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash 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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Wells Fargo Cash Wise Visa® card

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 137 Offer Ratings
Over the Past 60 Days!

(137) Over the Past 60 Days!
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  • Intro APR 0% for 15 months on Purchases and qualifying balance transfers
  • Rewards Rate Earn unlimited 1.5% cash rewards on purchases
  • Ongoing APR 13.99%-25.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital 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 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • See Rates & Fees

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Citi Rewards+℠ Card

 

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4.6/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
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  • Intro APR 0% for 15 months on purchases and balance transfers
  • Sign Up Bonus 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
  • Regular Purchase APR 13.49% - 23.49% (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 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 18 Offer Ratings
Over the Past 60 Days!

(18) Over the Past 60 Days!
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  • Intro Balance Transfer APR 0% for 18 months on Balance Transfers
  • Rewards Rate Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • Regular Purchase APR 13.99% – 23.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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Citi Simplicity® Card - No Late Fees Ever

 

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3.8/5.0 from 662 Offer Ratings
Over the Past 60 Days!

(662) Over the Past 60 Days!
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  • 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 866-652-8877 TTY: Use Relay Service
  • 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 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 balances, 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 standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

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Picture of Loretta Whiteside

By: | Jun 18, 2016

CAN YOU SUGGEST A CARD WITH NO TRANSFER FEES AND 0% UNTIL 2018? MY SCORE IS IN THE 700'S

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 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?

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 an intro APR of 0% for 21 months on Balance Transfers. Plus, you will get generous intro APR 0% for 12 months on Purchases. Once the introductory periods end, a 14.74% - 24.74% (Variable) APR applies.

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.

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