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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4/5 stars by our editorial team

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

 

Rated 4.5/5 stars by our editorial team

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

 

Rated 5/5 stars by our editorial team

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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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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

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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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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 1,865 Offer Ratings
Over the Past 60 Days!

(1,865) 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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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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Picture of JZ Zaranka

By: | Jun 6, 2016

The only card I have is the Amazon Rewards card. No annual fee. I'm unemployed because of being permanently handicapped, yet my rate is amazing. I don't mind that the points can only be used on their site. Since said handicap causes me to buy many things on-line and many are from Amazon. JZ

Picture of Josephine Costen

By: | Jun 4, 2016

USAA is the best - and the most helpful!

1 Reply

By: MajornMrs Cole | Jun 10, 2016

Why did they change to Visa?

Picture of Margaret Louise Sessions

By: | Jun 4, 2016

I would love to get a card I could consolidate all my cards and just make 1 payment a month. Right now making payments to several different entities is tiresome.

Picture of Laura Lawrence

By: | Jun 3, 2016

Is there anyway I can get a card with low interest fees in the amount of $5,000. to buy a used car ? Thnx,

3 Replies

By: CompareCards | Jun 3, 2016

There are many cards that come with 0% APR on purchases, but most card dealerships will not allow you to purchase a car with a credit card. Any of the cards on this page would be a great fit for low interest! The line of credit you are able to get approved for will depend on your creditworthiness, so it is not guaranteed that you'll get approved for a $5,000 credit limit.

By: Joyce Nichols Savage | Jun 7, 2016

Join a credit union and go through them for a credit card or car loan. They have great interest rates.

By: Vicki Allen | Jun 10, 2016

You could get the 0% card and charge your other expenses to it, only paying the minimum for a number of months while you saved up cash to buy the car, and then divide the your card balance by the remaining months (perhaps 15) to pay that off at 0% interest.

Picture of Tammy Gaskin

By: | Jun 3, 2016

I'm a 59 year old female whom had credited issues in the pass married and have not had a credit card in my name in 6 years. I would like no fees and 0% interest and reward points. Right now I only have car interest , my home and 1 dept store card. So I'm looking for a card that won't jump to 15 to 25%interest after the first year and I don't have to up date or reapply.

Picture of Diana Balgenorth

By: | Jun 1, 2016

I'm not sure what I'm looking for. First credit card at 33 years old, tired of paying cash on all my business trips. Credit is average.. Lead me in the right direction please?

Picture of Rodolfo Estrada

By: | May 27, 2016

I went bankruptcy on 2006, since then I stop and clean all credit cards, only left one BankAmericanCard, because of my problem they only give me $500 credit and a $39 annual fee, my credit score is 750, I will like the best miles rewards and zero fee if possible, with the lowest interest rate and a much bigger credit, any suggestions - advice. Thank you.

2 Replies

By: CompareCards | May 31, 2016

Since your bankruptcy was 10 years ago, it should no longer have much of an effect on your applications for credit. With a score of 750, your credit is considered excellent and you should be able to get approved for any card you choose. The BankAmericard Travel Rewards is an excellent travel rewards credit card that comes with no annual fee and a great rewards rate on all of your purchases.

By: Diane Lulloff | Jun 1, 2016

Capital One is great got 3 cards with them

Picture of Stan Pierson II

By: | May 27, 2016

I am interested in obtaining a zero interest for 36 months no rhen a low rate thereafter. Once college is completed (36 months) we will be better able to repay the loan, ergo, the desire to go zero interest the length of time. Is there a card that would accommodate out needs?

2 Replies

By: CompareCards | May 31, 2016

Hi Stan,

There is no credit card that offers 0% APR for 36 months. The longest intro APR on the market is 21 months on the Citi Simplicity and the Citi Diamond Preferred cards.

By: Vicki Allen | Jun 10, 2016

When the 0% was a couple of months from expiring, you could get a card with a 0% Transfer Fee (provided that exists then) to transfer it and still pay no interest. Remember that you have to make the minimum payments monthly.

Picture of Linda Hopkins

By: | May 24, 2016

2 Year ago I filed for bankruptcy within 1 year I had it all paid off because I got a reverse mortgage and had the money to do it. I only have a bank debit card now.. Would like to get a visa credit card but my credit says Im only fair.. When do you think I would be able to get a credit card again.. Do I have to wait another 11 years??

1 Reply

By: CompareCards | May 25, 2016

Hi Linda,

You should definitely not have to wait another 11 years before you are able to get approved for a credit card. There are many credit cards for fair credit on the market, but with a bankruptcy in your recent history, you may have to start with a secured credit card instead. 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 Joe Wheeler

By: | May 23, 2016

Which would be a card for my son to get? He is fresh out of college.

2 Replies

By: CompareCards | May 24, 2016

Hi Joe,

If your son doesn't have any credit, he will probably have to start with a secured credit card. The Capital One Secured MasterCard and the Discover it® Secured are both great options. Secured cards require a refundable security deposit to get approved, but after a year or so of responsible use, he should be able to get approved for a standard, unsecured credit card.

By: David Beauvais | Jul 10, 2016

If your son is responsible, you can help him out by making him an authorized user on one of your cards. That will report to his credit with your history. Don't do this if you have lates on your card.

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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