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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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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 1,006 Offer Ratings
Over the Past 60 Days!

(1,006) 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

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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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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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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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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Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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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

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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 480 Offer Ratings

(480)
  • 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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Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

 

Rated 5/5 stars by our editorial team

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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

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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

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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 Joann Rollin

By: | Dec 12, 2014

My husband had me close out my Citi Bank Master Card. Because I was over my credit line, but when the monthly payment was made, that would always leave me enough money, plus some more, so they said it was so that I didn't / wouldn't make me feel or look embarrassed. So I did get back under my credit limit, only so they would put me back under my credit limit. So for a little while, but the cycle started again,so that put me over my credit line again.This kept happening for YEARS TO ME. Okay, my credit line when I first got the card, which was back in 1983.I think they started me with a limit of $500. Over the years they kept on raising it eventually to over $23,000 I purchased something for $400.00 so that put me over my limit by $400 So when I got my bill, it would said that II went over my credit limit. So ok , I made a payment for of $800..So that then put me UNDER MY LIMIT by $600. So then I purchased an item for $850. That then put me over by $250. So the next payment was due for the purchased item of $850. plus overage $250., plus their over fee of $35. So I called them, had to give them permission to talk to my husband. They had a very long... conversation... So he told them he was just going to the bank & took a 2nd. mortgage, just to pay it off. He told them when their payment of over $21,000 was made, they were to close out the account, said me an e mail & certified letter as it was closed out & we'll never going to deal with them again. I sweare that all these plastic pushing company & employees ( only doing what they are told to do ) Because when my husband was talking to the man on phone from Citi Bank Master Card, my husband said something to the enployee to do with their policies, he was agreeing with my husband, but DIDN'T COME RIGHT & SAYING THAT. I don't know what to do, you have to have some line / kind of credit, but these banks got your ba_ _ _. Trying to act like a LADY... Unfortunately. they have people like me, with BIPOLAR, I'm not trying to make an excuse but it does happen all the time. SORRY FOR IT BEING SO LONG, i JUST HAD TO GET IT OFF MY CHEST, SAW THIS AREA ON THIS SITE, SO NOW I DID IT, THANKS FOR LETTING TO TELL YOU WHAT WE THINK.

3 Replies

By: Carol Griffen | Dec 30, 2014

i got a credit card back in the late 80's got it for emergenies when I got it I activated it ,, only to never use it ,,,I kept getting statements from them and would just throw them out ,,,, knowing that I had never used it ,,, after about ten years I had forgot all about it I had never used it so it never thought about it ,,, somewhere in that time I quite getting statements ,,, one day I opened something from a credit union not knowing what it was ,,,it said I owed 8800.00 dollars to them for them to pay them off ,,,, I call them to find out who the hell I was paying off since I never had and major bills ..... come to find out when I activated the card from Citibank they charged me 35.00 dollars to do so ... I never paid it cuz I never knew about the charge ,,,, thus ,,,, very bad credit score ,,, I guess what I am saying is don't get dragged into something you don't know what it is ,,, took me a long time to pay off something I never bought !!!!

By: Harry Fugpucker | Feb 13, 2015

1-2-3 check. one two three four five.

By: Andrea Braden | May 17, 2015

Joann Rollin why would you make purchases over your credit limit when yo knew it was over your line of credit. That's so wrong and ignorant to do that and then blame the credit card company for your credit problems. Get a life.

Picture of Kwan Ching Lun

By: | Dec 12, 2014

I have apply for a master credit card, I forgot the name of card, but I remember the card issued by the Cominity Bank. I never heard this name of Bank in USA. Is it the fraud case?

1 Reply

By: Otto Lippert | Dec 22, 2014

No I have a gas reward card with them

Picture of Maria Sanchez

By: | Dec 9, 2014

i would like a credit card with at least 500.00 credit for the holidays cause my credit is poor and would like to built up my credit by starting this way and also with no up front payment.

Picture of Rebecca Bray

By: | Dec 1, 2014

Are any of the card unsecured for bad credit? I know that is a pipe dream!!

Picture of Marlene Haas

By: | Nov 30, 2014

I want a low interest caed so I can trnsfer balance from high interest card.

Picture of Crystal Caston

By: | Nov 25, 2014

I applied for the Capitol one card.....they helped me.... low amount... but i appreciate it and plan on rebuilding my credit....Apply for that one..<>

Picture of Earline Buchanan

By: | Nov 24, 2014

have not always had good credit, but good now.

Picture of Onetta Morgan

By: | Nov 23, 2014

I,M STILL BEING REFUSED PLEASE FIND ME JUST A SMALL CARD FOR $500 THANK YOU

14 Replies

By: Louise Toombs | Nov 26, 2014

what is your credit score?

By: Don Sobala | Dec 5, 2014

Try Capital one Quicksilverone. I was able to secure the card after I had to file for bankruptcy. Very easy to apply online.

By: Fra Cas | Dec 14, 2014

Capital One will give you a Quicksilver.

By: Kylie Allison | Dec 16, 2014

Wells Fargo offered me my first credit card when I was in college and I had no credit. It started me off with $600. Maybe check with your local bank!

By: Sue Little | Jan 13, 2015

If you ever get behind . you can hang it up ! know cares what happen to get you that way .

By: Linell Pearson | Jan 20, 2015

I understand exactly. I have been trying to get a card with 500. and just can't. Had an illness which caused some bad credit but all of it. This was quite a few years ago too. They won't even give me the 10 second answer. You can't get started again if you can't get a card. Right?

By: Hillary Taylor | Feb 12, 2015

Go to your bank in person and deal with your banker.

By: Olive Henry | Mar 28, 2015

GO TO CAPITAL ONE, THEY WILL HELP YOU

By: Dr-Will McKay | May 15, 2015

Try Credit One, or Capital One, or Continental Finance

By: Elena McCoy | May 15, 2015

Try credit unions. They have low interest.

By: David W. Cornelius | May 27, 2015

I have A Woodforest Bank Account and A Woodforest Bank Card I'd Like to get A Card Please

By: Larry Wall | Jun 3, 2015

first premier bank might help.

By: Ginny Almond | Dec 23, 2015

I know this has taken a year for me to respond to you but, I thought my advice might still be used if you have not found another solution already, Not long after a bankruptcy, I approached my personal bank, to ask how to begin rebuilding credit. They suggested I save up $500-$1,000 I could spare to "secure" or "be awarded " a Master Card/Visa for that amount. After keeping a good use and payment record on this secured card for 12 months, my security deposit was moved to a savings account, my card limit was slightly risen, and I then had a credit card that I've used for 7 years at a good rate and a current $4,500.00 credit limit. It can be found and done. It just takes some persistence, time, and effort on your part. I would begin with your bank or Capital One. If you need a loan immediately, DON'T go to a short-term lender! Sacrifice something else, your TV Service, Entertainment Budget, Food and fuel for travel adjustments, etc. Good Luck and Blessings to you Onetta

By: Barry W. Hersh | May 9, 2016

Credit One will give almost anyone a starter credit card. 500.00 balance, high APR and high monthly fees. The upside is they will raise your credit limit every six months if you make payments on time.

Picture of Tudy Flansburg

By: | Nov 21, 2014

my score is 850 .. I dont have a card but i want one. Does the interest rate compare to your score? Like id love to have an interest of 10 percent.

7 Replies

By: Louise Toombs | Nov 26, 2014

If your credit score is 850 your interest rate should be much lower than that. My credit score is 794 and I don't have a CC with interest rates in double digits.

By: Otto Lippert | Jan 26, 2015

Simmons First National bank of Arkansas is the lowest in the nation.

By: Esther Moulton | Mar 9, 2015

Good grief, you'd like an int rate of 10%? What are you paying, girl? I have a $25,000 credit limit with Citicard and they are WONDERFUL to deal with. There are no annual fees, no late fees ever. Would not go with anyone else but I have always paid on time as I'm trying to get the card paid off. It's been a struggle but they truly have been super to deal with. Highly recommend them. I would never have a credit card balance of $25,000 EVER but it's there if need be.I always take advantage of the balance transfers with 0% int but there is a transfer fee of 3% but still saving way more in interest than the 3% fee. I like it!!!

By: Michael Quale | Mar 10, 2015

There is no way you can have an 850 and not have any credit cards.

By: Charlie C McIntire | Apr 16, 2015

I thought the same thing, how can you possibly have an 850 score with no cards?. I have a 5 different cards, have never made a late payment on one and always paid more than the minimum and my score is 775. So how do you achieve aan 850 with none?

By: Dr-Will McKay | May 15, 2015

Charlie, You have to pay them off or make sure the balances are 35percent or less from the credit limit.

By: Gin Jeez Beam | May 17, 2015

Yeah. It's impossible to achieve a 850 and not understand how credit works. With no credit cards and hoping for 10% interest rate just proves that you have little to no experience with any type of credit, so the possibility of obtaining an absolutely perfect fico score is unrealistic. But anyway regardless, use credit karma as a starting place, it's free and very useful. Depending on your credit score(your real one) you can apply for cards that you may qualify for. If your score is low or you have no credit, paying for a prepaid credit card, would be a good option. Interest will probably be high but after a few months of on-time payments, your score will get better so as you should qualify for a better card. Get rid of the highest interest cards and always be responsible with your credit. You'll have low interest credit cards and a good credit score in no time. - (10year loan officer for a major bank.)

Picture of Tom Zokaie

By: | Nov 20, 2014

I have to say the people at Cap1 have been awesome to me. The extended me credit even though I had defaulted on them because of past financial troubles. They approved me for a card that offered cash back to boot. I mean the interest rate on it was high, but since I PIF'd it did not matter. I cant say enough good things about Cap1. Now that my credit is good, I still carry their cards and use it despite their higher interest rate compared to my other cards. Even if your credit is so bad you cant get approved for a card out right, they offer partially secured cards that you can later graduate to a great card. If you need a card, I would look at them first. Once you have a couple of years history with them, then Barclay card would be the next step. Please do you self a favor and stay away from "CREDIT ONE", which sounds and looks like "Capital One" at all cost. They charge you hefty fees upfront that make them a horrible choice. Good luck. P.S not having a credit card put you at a disadvantage. Case and point, you pay more for gas and groceries because most rewards cards offer 2 to 6 % cash back rewards to credit card users, which means that people who use Debit cards to buy gas and groceries end up with a reverse penalty for not using credit cards. The only caveat is that paying with credit cards, you have to set aside the cash to pay the card, as if you used your ATM for it.

1 Reply

By: Sam Bacco | Nov 29, 2014

thanks this makes sence. lost my job an trying to trying to grt low interest to pay them down. no one will help..

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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