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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

 

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

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Picture of Raymond Uttaro

By: | May 17, 2015

american express is one of the best credit card to carry or not ?

1 Reply

By: Bill Henderson | Jun 21, 2016

It depends on where you shop, for example, Costco used to accept American Express Cards only; however, credit cards with the VISA logo tend to be more useful. The best option is to find a credit card that suits your lifestyle. If you travel, you will need one that has zero foreign transaction fees, otherwise try to keep cards that offer no annual fee, and give you the highest credit line.

Picture of Andre Mitchell

By: | May 16, 2015

Doing so much the past 8 months to reestablish my life seems null and void. Having concerns about a good secued credit card has worn me out. Being denied too many times. Hiring lawyers to deal with issues on my credit report that should not be there anyway. I'm starting to lose confidence even in myself. Thank you

2 Replies

By: Carlos Mejias | Jun 4, 2015

in my opinion one of best credit card is bankamericard better balance rewards platinum plus master card.

By: David Baker | Jun 7, 2015

Dear Andre, Please don't tell me you've given-up on institutes such as the Federal Trade Comission, and plan to throw good money at some lawyer to dal with what's showing on your credit reports, or the "chex system", etc... !! Trust me, you can handle ANY info discrepency completely on your own!! After all, why do you think the FTC is "there"? Give it a go. The results won't come overnight, but if you do what they tell you to do, answer honestly when they ask specific questions, you can turn a credit score that's below a 450 into all 3 bureaus scoring you at 720, or higher!!

Picture of Charles Peters

By: | May 15, 2015

does anyone have any feedback on brinksmastercard debit

Picture of Maureen Casey Venetucci

By: | May 15, 2015

are there any cards that have a 0 balance transfer?

1 Reply

By: CompareCards | Jun 2, 2015

The Chase Slate is the best option if your looking for a fee-free balance transfer credit card. It's currently the only card on the market that offers no balance transfer fee, no annual fee, AND it has 0% APR on purchases and balance transfer for the first 15 months!

Picture of Lisa Ebanks

By: | May 12, 2015

I tried all of them, I have the money to be able to afford a credit card but was turned down on every one that I tried. Credit cards are all about getting your money and not helping you!

1 Reply

By: David Baker | Jun 7, 2015

I don't recall any "credit card company" ever stating they were in the business of "helping random individuals, poor or rich". But, if you have had recent credit accounts, a morgage, a car payment, or anything that shows that "you know HOW to HANDLE all that money"; & none of the hundreds of institutions turn you down, then I'd be looking into paying the $7. for an up-to-date credit report. (One of the things that will, definitely, be making a negative impact is the number of 'hard credit inquiries' it's going to show.)

Picture of David Puryear

By: | May 11, 2015

I am staying steadfast in meeting my credit potential.keeping worthy of the trust of creditors is extremely important to me!!!!!

Picture of Lucy LB

By: | May 11, 2015

I understand that if your spouse has his own credit card and you are NOt on it if he dies you are not responsible some say you are will someone with knowledge answer this for me correctly.

2 Replies

By: David Clifton | May 20, 2015

Are you trying to rack up a credit card bill for your dying spouse?

By: David Baker | Jun 7, 2015

I don't want to tell you a lie, but I'm fairly sure it depends on whether he had it before you married him. If he applied for it after, then the cc company knows his factual data, & would probably try to hold you liable. That said, it doesn't seem like anything that a "living will" would be able to put to rest; but I'm not 100% with that, LB.

Picture of Andrea Braden

By: | May 3, 2015

People with a high credit score in 800's don't have to have a credit card to get a high credit score. You can have auto loans or just a personal loan or any kind of a loan and pay them off and keep in good standing, and get a higher credit score without having a credit card. Credit cards are not the only way to get a high credit score. Get an auto loan or a loan for what ever reason and you can build your credit score up just as well without a credit card. Remember that everyone, you don't need a credit card to get a high credit score.

Picture of Betty Mann

By: | Apr 30, 2015

Is there a credit card for those who have fair credit and is trying to rebuild their credit?

Picture of Marvin L. Kirkpatrick

By: | Apr 29, 2015

Well people, it is a fact of life that you can have a score of more 800 without having any credit cards, mine is 815. I can walk into the bank and do just about what I want without getting on my hands and knees and begging. I just bought a new car with a 3.2 interest rate, I have a $20,000 line of cred with 4.8% interest rate. I do have card from Wells Fargo that I use only for Hotel reservations. Noting else. I am probably a little Older than most of you that are chatting here. My credit score has nothing to do with have card that use the hell out of on a daily basis.

1 Reply

By: Josh Barronabo | Jun 6, 2015

Unfortunately, Alot of us are not in the same credit zone as you. There are other ways of establishing credit besides using credit cards. My credit score was 595 without credit.

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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