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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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Your Rating:

4.2/5.0 from 1,825 Offer Ratings
Over the Past 60 Days!

(1,825) 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

    500

    600

    700

    750

    850

  • 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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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 921 Offer Ratings
Over the Past 60 Days!

(921) 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

    500

    600

    700

    750

    850

  • 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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Your Rating:

3.8/5.0 from 706 Offer Ratings
Over the Past 60 Days!

(706) 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

    500

    600

    700

    750

    850

  • 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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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 486 Offer Ratings
Over the Past 60 Days!

(486) 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

    500

    600

    700

    750

    850

  • 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 345 Offer Ratings

(345)
  • 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

    500

    600

    700

    750

    850

  • 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 16.74-25.49%. 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

See additional details for Chase Freedom Unlimited®

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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 470 Offer Ratings
Over the Past 60 Days!

(470) 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

    500

    600

    700

    750

    850

  • 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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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:

4.3/5.0 from 1,019 Offer Ratings
Over the Past 60 Days!

(1,019) 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 16.74% - 24.74% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed

    500

    600

    700

    750

    850

  • 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 16.74% - 24.74% 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%

See additional details for Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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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 289 Offer Ratings
Over the Past 60 Days!

(289) 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

    500

    600

    700

    750

    850

  • 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

See additional details for HSBC Gold Mastercard® credit card

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 180 Offer Ratings
Over the Past 60 Days!

(180) 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

    500

    600

    700

    750

    850

  • 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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Picture of Robert Johnson

By: | Jan 6, 2015

Currently have a cc, that charges a 19.99% int. rate. Do not use it very much, but would like to find one with a lower rate. Always pay more than the minimum amount due, but am just beyond paying it off, each month.

2 Replies

By: Andrea Braden | May 3, 2015

If you pay off your credit card each month before the due date you won't be charged any interest.

By: Rancho Orchard | May 11, 2015

Get yourself a 0% Discover Card and do a balance transfer, pay it off and cha-ting your free.

Picture of Hazel Henry

By: | Jan 6, 2015

most of my credit cards interest rates are over 21.99%.I would like lower rates but these Creditors don't give a damn about lowering my rates to enable me to pay off my bills much faster.I have asked most of these same Banks and was denied,even though I pay all my bills on time and my credit ratings is in good standard.

1 Reply

By: Andrea Braden | May 3, 2015

Find another credit card company with a better interest rate and do a balance transfer and pay off the high interest rate card. Credit card companies love to do balance transfers so they can get your business. Just don't be late on your payments because they will raise your interest rate, most credit card company's will do that if you pay a late payment and they will charge a late fee of around 35.00 dollars also. Don't ever close a credit card out because that will affect your credit score, because they will lower your credit score. It doesn't seem fair but that is the way the credit card companies do it and who ever said life was fair anyway.

Picture of Carolyn Duhon

By: | Jan 5, 2015

For the past 15 year's I had poor credit but now I have payed off two Car's Note. Capitol One credit card gave up one with a Credit Limit for $500.00 then they raise it up every 4-6 Month's now our Limit is up too 2,000. Since paying it on time we have been approved for different Credit Card's but we might have them but we don't use them unless we have Emergency then we will pay it off as the Bill come in. In October we bought a 2015 Chrysler 200 we were going to pay it off in 3 Month's but the Car Dealership Manager told us that make payment's for the next 12 Month's on time then your Crdit Score will go up to a Mid 700. So next year we will pay off my Car and then Buy us a New House. I tell my Children to don't go crazy with your Credit Card's if you can't pay your credit card's then you don't need one.

Picture of Shelly Jean Whaley

By: | Dec 31, 2014

dont have one n still no need one ... too

Picture of Byroni Freidenberger

By: | Dec 24, 2014

I mean,who REALLY has EXCELLENT credit these days??

Picture of Kashif Malik

By: | Dec 23, 2014

I just started using Discover card with $500 limit as student, its been three months now. I want to apply new credit cards as employed now. What are good cards to apply?

Picture of Jesse Thomas

By: | Dec 21, 2014

check my accounti reg-12-17-2014 applied date.

Picture of Ginger Cohen

By: | Dec 21, 2014

I called for support and after giving my credit card number was told that I would be transferred to someone who could help. Another person answered the phone and rudely said to call back in three hours. Not helpful!

Picture of Barbara Faircloth Korich

By: | Dec 15, 2014

Where is American Express in the ratings? I re-joined recently thanks to incentives and found new ways to use the card and save.

Picture of Iongi Finau

By: | Dec 13, 2014

I live a simple life, it will be great to have a credit, but it will be great for emergency.

1 Reply

By: Carolyn Duhon | Jan 5, 2015

Having one Credit Card for Emergency is great just don't get over board. I alway's tell my kid's to get one for Emergency but that is all.

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.

Reviews
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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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