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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 1,914 Offer Ratings
Over the Past 60 Days!

(1,914) 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 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 800-483-4499
  • 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, 15.24% - 25.24% 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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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 5,618 Offer Ratings
Over the Past 60 Days!

(5,618) 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 16.24% - 26.24% (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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% 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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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 1,111 Offer Ratings
Over the Past 60 Days!

(1,111) 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 14.24% - 25.24% 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

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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 740 Offer Ratings
Over the Past 60 Days!

(740) 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 13.24%, 17.24% or 21.24% 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 558 Offer Ratings

(558)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.
  • Regular APR 17.24 - 25.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that 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 17.24-25.99%. Balance transfer fee is 3% 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 JourneySM
  • No annual fee

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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:

4.3/5.0 from 824 Offer Ratings
Over the Past 60 Days!

(824) 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 any balance transfers made in the first 60 days
  • Regular APR 16.24% - 26.24% 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
  • $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 on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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

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Bank of America® Travel Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 1,076 Offer Ratings
Over the Past 60 Days!

(1,076) 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 17.24% - 25.24% 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, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

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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 663 Offer Ratings
Over the Past 60 Days!

(663) 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 14.24% - 24.24% (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; 14.24% - 24.24% 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

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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.7/5.0 from 525 Offer Ratings
Over the Past 60 Days!

(525) Over the Past 60 Days!
  • Intro APR 0% for 15 months on purchases and balance transfers
  • Sign Up Bonus 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 15.74% - 25.74% (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 15.74% - 25.74%, based on your creditworthiness.
  • 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.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

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American Express Cash Magnet® Card – Unlimited 1.5% Cash Back

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 172 Offer Ratings
Over the Past 60 Days!

(172) Over the Past 60 Days!
  • Intro APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% Cash Back on your purchases
  • Regular APR 15.24%-26.24% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • 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 easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for American Express Cash Magnet® Card – Unlimited 1.5% Cash Back

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Picture of Tricia Flynn

By: | Oct 21, 2015

My credit score is 718 and I do not have a major credit card and I was not approved by Chase Slate card; so its not true that you can get this card with a lower credit rating.

3 Replies

By: Max Lawson | Oct 28, 2015

Review your credit report, there may be some problem. 718 is a excellent score, also avoid hard hits on your credit, leaders look at that closely. Good luck, and may the LORD JESUS continue to bless you, always.

By: Chaz Sanchez | Oct 29, 2015

Try Jetblue American Express card. I was shocked that I was approved for a $2500 limit an my credit score at the time was 670. I applied in August.

By: Bill Flynn | Nov 2, 2015

My credit score is only a 650 and I was approved instantly

Picture of Mike Yates

By: | Oct 21, 2015

I, Michael A. Yates, have not-so-good-credit, am on disability and need purchasing power through a credit card or a loan. Is there any help for me?

1 Reply

By: Rich Kennedy | Oct 21, 2015

Suggestion: contact a local credit union. You may be able to get a secured card (without all the "big bank" fees). Prove yourself reliable with payments on that card and eventually they will convert it to a regular credit card.

Picture of Carol Jarmon

By: | Oct 13, 2015

I need to transfer all my credit cards that I have, would I get an approval for what I need, I'm looking for about 35,000 and my credit score 675, I pay all my bill on time

1 Reply

By: CompareCards | Oct 14, 2015

Hi Carol,

A $35,000 line of credit is a very high amount for a personal credit card. With a score in the high 600s, your credit rating is considered fair to good, and it is extremely unlikely that you will get approved for a credit line that high. Nonetheless, a good balance transfer credit card like the Chase Slate or the Citi Simplicity could be a useful tool to help pay off some of your other cards. Even if you aren't able to transfer every balance onto one card, I would still take advantage of the numerous offers with 0% APR to begin to chip away at your debt.

Picture of Jerry Spurgeon

By: | Oct 8, 2015

I Would Like A Card To Buy Some Mew Mics For My Southern Gospel Group

Picture of Maria E. Olimpo-Larrimore

By: | Oct 7, 2015

can I transfer my balance from my Walmart and Home Depot cards to a credit card?

1 Reply

By: Robert Mansfield | Oct 9, 2015

yes, call each card issuer for a payoff balance first

Picture of Kathy Pennington Carnes

By: | Oct 6, 2015

i would like to know how long it takes to get approval. I have 2 cards I would like to transfer balances and one has a payment due the 14th of October. I know that is a short time !!

1 Reply

By: CompareCards | Oct 6, 2015

Hi Kathy,

When you apply online, almost every credit card application can give you an instant decision on whether or not you are approved. Most credit card applications will include a place where you can put the information in to initiate a balance transfer. I would recommend the Chase Slate, which offers 0% APR for 15 months, no annual fee, and no balance transfer fee.

Picture of Erik Theodorsen

By: | Oct 5, 2015

I am a college student looking to build his credit and I would like to know which would be the best choice out of all the cards.

1 Reply

By: CompareCards | Oct 6, 2015

Hi Erik,

The Discover it® Student Cash Back card is a great option for college students. This credit card is packed with features that are perfect for a first time cardholder, and they are usually willing to approve applications even if they don't have a lengthy credit history.

Picture of Lisa Carlson

By: | Oct 3, 2015

I need a low interest credit card to help me move. I paid off all my citi bank cards prior to them due and and someone must have wrong info because my credit should be outanding

1 Reply

By: CompareCards | Oct 5, 2015

Hi Lisa,

For low interest, the card I would recommend is the Citi Simplicity. This card offers 21 months with 0% APR!

Picture of Annmarie Videtto Klawiter

By: | Sep 30, 2015

is the Chase Slate card accepted everywhere?

1 Reply

By: CompareCards | Oct 1, 2015

Hi Annmarie,

The Chase Slate is a Visa card, so it should be accepted just about everywhere that takes credit cards as a form of payment!

Picture of Thesby Tolbert

By: | Sep 28, 2015

you got to have very good credit to get one of those cards! it's not easy owning a 0% interest credit card.

2 Replies

By: CompareCards | Oct 1, 2015

Hi Thesby,

While it's true that you do need excellent credit to get approved for the best credit card offers, there are still a number of options available for consumers whose credit scores are a little lower. As Connie mentioned below, people often get approved for the Chase Slate, one of the best balance transfer credit cards, with credit scores in the mid 600s!

By: Connie Talerico | Sep 30, 2015

I got a Chase Slate with my score just reaching over 620. 2000$ limit. I have been rebuilding my credit for last 10 months and maybe that helped, however, it proves it is not impossible and your credit does not have to be "very good"! I am so appreciative for this card and the 0 interest, it came in a nick of time for me! When you work hard to rebuild your credit, just start with one card, or prepaid card, and pay on time every single month, have a little patience, and it will work out.

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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