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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 466 Offer Ratings
Over the Past 60 Days!

(466) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 13.49%-26.99% (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 (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and 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 Visa® Credit 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
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 1,385 Offer Ratings
Over the Past 60 Days!

(1,385) 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 15.99% - 25.99%* (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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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
  • 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

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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 1,002 Offer Ratings
Over the Past 60 Days!

(1,002) 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® Cash Rewards Credit Card

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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 479 Offer Ratings

(479)
  • 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 16.99% - 25.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • 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

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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 557 Offer Ratings
Over the Past 60 Days!

(557) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 14.99% - 24.99% Variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% 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

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Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 395 Offer Ratings
Over the Past 60 Days!

(395) 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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Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 579 Offer Ratings
Over the Past 60 Days!

(579) Over the Past 60 Days!
  • Rewards Rate Earn 1.5 points per $1 spent on all purchases
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 16.99% - 24.99% 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
  • NEW OFFER: 25,000 online bonus points if 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, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

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Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 558 Offer Ratings
Over the Past 60 Days!

(558) 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 balance transfers made in the first 60 days
  • 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 800-716-6383
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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Wells Fargo Cash Wise Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 100 Offer Ratings
Over the Past 60 Days!

(100) Over the Past 60 Days!
  • Intro APR 0% for 12 months on Purchases and Balance Transfers
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Ongoing APR 15.99%-26.99% (Variable)
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile 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% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Cash Wise 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 241 Offer Ratings
Over the Past 60 Days!

(241) 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 12.99%, 16.99% or 20.99% 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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Picture of Schariff Joseph

By: | Jul 3, 2015

I AM WORKING IN MPLS CITY AS A BUS DRIVER AND I WOULD LIKE TO BUILD MY CREDIT I AND NEVER HAD ONE LIKE CHASE CREDIT CARD OR BANK OF AMERICA OR ANY OTHER AND I DO NOT KNOW EVEN WHAT IS MY CREDIT SCORE .

1 Reply

By: Mary Demere | Jul 8, 2015

Watch out for Chase Cridit Cards he had a problem with these,you need to start with a Cridit Card that only goes to $500.00 ,that way it is easyer to pay and do not let them talk you into going higher once you hit your limit that is how they get most people and they raise there percentage alsolol,mnanny.

Picture of Norma Yankley

By: | Jun 29, 2015

I had great credit. I had worked my Discover card down to 2.3. The way I did this was call up after months of paying and being on time said I was gonna close my card. They offered raised limit and better rate. Then I got divorced. Fell behind and got screwed. Now I got the Capital One card. 300 limit. Paid it off each month. After 6 months I applied for cash back Quicksilver. Got 3200 limit. So start small go big

Picture of Frederick King

By: | Jun 28, 2015

Why do you think I need more credit cards. The reason I am asking is because I am on a set income and wondering where my next nickel or dime is coming from beyond my retirement. I do not have any credit cards because I cannot afford them. Explain to me why I need any type of credit card. Please reply.

Picture of William Slaughter

By: | Jun 27, 2015

I can not get a card becaucs I have a score of 570 and nobody will help one day you or peopl needs help same you have a big car or big home and making a lotes of money thsnkyou

4 Replies

By: Jesse Ruiz | Jul 1, 2015

the u try to get one from capital one

By: Sharee Vingilis | Jul 3, 2015

My credit score was about 525 when I applied for my first capitol one card. I kept it for you a year and made payments on it every month and was able to convert up to a better card with a higher credit limit and it came with rewards.

By: Robert Cassetty | Jul 11, 2015

Try first premier or capitol one

By: Jody C Johnson | Jul 12, 2015

Amen, Brother. I know exactly where you are coming form. Can you hand me the other paddle?

Picture of Linda Gransberry

By: | Jun 25, 2015

i was looking at the black card can I apply for that?

1 Reply

By: Francis Ndirangu Mburu | Jul 15, 2015

If you have a high credit score and a high income, I assume you are talking about the Barclays bank card.The annual fee is 495 and they will give you a high limit, but if you are talking about the amex centurion card that is by invite only

Picture of Ndey Rohey Khan

By: | Jun 25, 2015

My credit is not so good so no one will approve me

1 Reply

By: Vada Mink Mcdade | Jul 13, 2015

Hello, I saw your comment about getting your credit back on track. I had to do the same thing after my divorce. My credit was a mess. I started out with a $200 credit line with a $50 membership fee. Which I made payments on. Check with a couple cards. Bank of America and citi bank seem to be the most flexible. hope This helps good luck!!!

Picture of Debra Ladoucer

By: | Jun 25, 2015

I have a low credit score so no one will accept me

1 Reply

By: Jeff Grimm | Jul 3, 2015

Try capitol one they help you out

Picture of Janet Prainito

By: | Jun 23, 2015

My wife and I have the chase freedom card interest free for 15 mons. and it's great I am a Vietnam veteran and chase treats veterans really great Bob Prainito

1 Reply

By: Donald Clive Richards | Jul 1, 2015

I am thinking about this Chase Freedom card because I like the commercial song (with George Michael). That is the wrong reason to get a credit card but I hear the Freedom has excellent cash rewards.

Picture of Larry Hufford

By: | Jun 22, 2015

I have had good cridet scores for 10 yrs or more I just dident have credit aaaan so far I am looseing points on my scores from different comp".s asking for my scores.when I tell them I have no credit,no bad credit,I just ask for 5000,00 credit card .You think if I ask for 500,000,00 they would be more polite,they think I am rich or something.Iam just a disabled that needs credit.

1 Reply

By: Harvey Harlib | Jun 27, 2015

I too am a person with disabilities. I have been in the same place as you. I found many options on the gouvernment site for disabled people, and if you are a disabled veteran, I believe that there is so much more help for you. I am looking into housing and it is very difficult and frustrating. Just keep looking , go to the info local telephone @ #211 and you may find some help there also. Good Luck

Picture of Johanna ZeeAbrahamsen

By: | Jun 21, 2015

Is Visa a good card to use?

2 Replies

By: CompareCards | Jun 22, 2015

Hi Johanna,

Visa is the largest credit card processor in the world, so they offer many of the top credit cards on the market. You will be hard pressed to find a place that accepts credit cards, but won't take a Visa. Furthermore, if a card is a Visa Signature, it will offer additional benefits like Lost Luggage Reimbursement, Warranty Manager Service, Year-End Summary Statements and many more. Be sure to check out our Visa credit cards page to see all of the options!

By: Donald Clive Richards | Jul 1, 2015

It is not necessarily the name of the card. What you need to be careful of it the interest rate on the credit card. Visa and Master Card are great cards.

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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" " 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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