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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 3,021 Offer Ratings
Over the Past 60 Days!

(3,021) 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 15.74% - 25.74% (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; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% 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® Cash Rewards Credit Card

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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 848 Offer Ratings
Over the Past 60 Days!

(848) 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 13.49% - 24.49% 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

See additional details for Discover it® Balance Transfer

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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 734 Offer Ratings
Over the Past 60 Days!

(734) 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 14.74% - 24.74% 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, 14.74% - 24.74% 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 441 Offer Ratings

(441)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • Regular APR 16.74 - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

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Bank of America® Travel Rewards Visa® credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 422 Offer Ratings
Over the Past 60 Days!

(422) 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 16.74% - 24.74% 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, 16.74% - 24.74% 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 Visa® credit card

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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:

4.4/5.0 from 516 Offer Ratings
Over the Past 60 Days!

(516) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 15.74% - 25.74% 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 in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% 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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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 315 Offer Ratings
Over the Past 60 Days!

(315) 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
  • $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; 13.74% - 23.74% 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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Chase Freedom®

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 86 Offer Ratings
Over the Past 60 Days!

(86) Over the Past 60 Days!
  • Sign up Bonus Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Introductory APR 0% Intro APR on purchases and balance transfers for 15 months
  • Regular APR 16.74% - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

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Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 239 Offer Ratings
Over the Past 60 Days!

(239) Over the Past 60 Days!
  • Rewards Rate Earn 3X points on eating out and ordering in, 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 15.49%-27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 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

See additional details for Wells Fargo Propel American Express® card

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Capital One® SavorOne® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

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

(83) Over the Past 60 Days!
  • Rewards Rate 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases
  • Intro APRs 0% intro APR on purchases and balance transfers for 15 months; 15.74% - 25.74% variable APR after that
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® Cash Rewards Credit Card

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Picture of Bonnie Gamache

By: | Jan 24, 2018

I thought it was a bad thing to transfer debt to another card like this. I was told it harms your credit score. Is this true?

1 Reply

By: CompareCards | Feb 9, 2018

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 Kim Gilreath Brimm

By: | Jan 24, 2018

What if my credit score is bad?

1 Reply

By: CompareCards | Feb 4, 2018

Check out our page for credit cards for poor credit to see all the best options for you!

Picture of Johann Gray

By: | Jan 21, 2018

Very good move for the Customer!!!

Picture of Beverly Cole

By: | Jan 18, 2018

I need a credit card to pay off my debit and have only one I can put on auto pay

1 Reply

By: Rick Williams | Mar 5, 2018

depending on your Credit score and how good your credit is, if you owe a lot it will be tough, but look up transfer one card to another with 18 months no interest

Picture of Nancy Barker

By: | Jan 17, 2018

Excellent cards for anyone with CC balances

Picture of Yara Saenz

By: | Jan 9, 2018

Just got approved for $7100 for the Citi Credit Card!! Instantly! I'm glad to be able to pay down atleast 3 credit cards with no interest.....could have been 4 but my Macys is through Citi and I did not realize until I checked there list of balance transfers not allowed. I'm excited though!

Picture of Jane Odum

By: | Jan 9, 2018

I transferred my balance to Chase Slate a year ago for 15 month 0% interest and I love it! It's one of the best I have.

Picture of Susan Wardell

By: | Jan 8, 2018

What are the best cards for people with only fair credit?

1 Reply

By: CompareCards | May 30, 2018

There are many great credit cards for fair credit! The Capital One® Platinum Credit Card is a great card which has the opportunity for increases in lines of credit, and the Capital One® QuicksilverOne® Cash Rewards Credit Card has great cashback offers!

Picture of Rose Marino

By: | Jan 4, 2018

Are any of these cards, exclusively, business cards?

1 Reply

By: CompareCards | Jan 8, 2018

Check out our business credit cards page to see all the best options for business cards!

Picture of Dale Hansen

By: | Jan 3, 2018

Which credit card company offers 0% for the longest period and 0% for transfer fees for the credit card debt of $15,000 and no annual fee

1 Reply

By: CompareCards | May 30, 2018

Although we cannot estimate the amount of credit you will be approved for, there are many great balance transfer credit cards to look at. The The Amex EveryDay® Credit Card from American Express is a great card when looking for one with the lowest fees, and the Citi® Double Cash Card – 21 month BT offer has an extra long introductory APR period on balance transfers as well!

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
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " 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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