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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 3,012 Offer Ratings
Over the Past 60 Days!

(3,012) 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 15.74% - 25.74% (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; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% 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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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 731 Offer Ratings
Over the Past 60 Days!

(731) 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 14.74% - 24.74% 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, 14.74% - 24.74% 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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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 844 Offer Ratings
Over the Past 60 Days!

(844) 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 13.49% - 24.49% 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 440 Offer Ratings

(440)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • Regular APR 16.74 - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

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Bank of America® Travel Rewards Visa® credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 420 Offer Ratings
Over the Past 60 Days!

(420) 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 16.74% - 24.74% 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, 16.74% - 24.74% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards Visa® credit card

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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:

4.4/5.0 from 515 Offer Ratings
Over the Past 60 Days!

(515) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 15.74% - 25.74% 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 in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% 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

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

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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 313 Offer Ratings
Over the Past 60 Days!

(313) 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
  • $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; 13.74% - 23.74% 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

See additional details for Capital One® VentureOne® Rewards Credit Card

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Chase Freedom®

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 86 Offer Ratings
Over the Past 60 Days!

(86) Over the Past 60 Days!
  • Sign up Bonus Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Introductory APR 0% Intro APR on purchases and balance transfers for 15 months
  • Regular APR 16.74% - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

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Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 237 Offer Ratings
Over the Past 60 Days!

(237) Over the Past 60 Days!
  • Rewards Rate Earn 3X points on eating out and ordering in, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Introductory APR 0% for 12 months on purchases and qualifying balance transfers
  • Ongoing APR 15.49%-27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

See additional details for Wells Fargo Propel American Express® card

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Capital One® SavorOne® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 82 Offer Ratings
Over the Past 60 Days!

(82) Over the Past 60 Days!
  • Rewards Rate 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases
  • Intro APRs 0% intro APR on purchases and balance transfers for 15 months; 15.74% - 25.74% variable APR after that
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® Cash Rewards Credit Card

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Picture of Aaron Schmitz

By: | Oct 30, 2014

If you can't get one, you don't need one. lol

Picture of Ginny Klosterman

By: | Oct 29, 2014

which card has the best SKY MILES????????????????????

1 Reply

By: Randy Austin | Nov 5, 2014

The ones the Pilots or cabin attendants carry they probably fly the most........ just saying

Picture of Lewis Byrd Jr.

By: | Oct 29, 2014

I NEED ONE I HAVE ONE

Picture of Mary Kinder

By: | Oct 29, 2014

I DON'T SEE THE BARCLAYCARD MASTER CARD ON YOUR LIST I HAVE USED THAT CARD FOR SEVERAL YEARS, THE BEST CARD FOR INTEREST 8.99% INTEREST RATE. .

Picture of Charssie Muse

By: | Oct 15, 2014

I can not activate my card on line.

4 Replies

By: Alvino Duncan | Oct 19, 2014

would like to reestablish my ctedit

By: Omonla Dot Dot Harry | Dec 6, 2014

why? contact your card issuer

By: Olive Henry | Mar 28, 2015

TRY THE PHONE NO THEY GAVE U

By: Mark Lamb | Apr 12, 2015

As the Bible says, The borrower becomes a slave to the lender.

Picture of Carrie Estrada Cipollini

By: | Oct 14, 2014

looking fro the best credit card for my needs. I have o cards at this time but feel like I should have at least one for real emergencies. my fico is at 722-750 and am really wanting a card which will get me the highest limit like about 3 - 5k. or its just not worth dinging my credit for a 500 limit. how would I be able to speak to an actual rep that would be able to ans my limit questions

10 Replies

By: Jamie Tomaselli | Oct 21, 2014

Don"t do it , my fico was 718 and I got sick and lost my job, had to use the card and it ruined my credit. Don't , Please Don't, God Bless You. Jamie

By: Rebecca Piper | Oct 23, 2014

there is no better card than Discover, cash back rewards, rewards can make your payments, special deals at certain times of the year, gas rewards add up, retail stores, buy gift cards with participating stores and the stores will give you additional bonus. Buy $20 gift card from discover for a store and the store give you extra $5 or order more get more. No over the limit fee. as you know sometimes your busy schedule can cause you a over sight and go over, no charge, fraud protection, you can also order from other stores, connect with discover and than get deals from both. Try discover and you can't go wrong with them. beats capital one and others any day.

By: Joseph Miller | Nov 7, 2014

no....it better to have one in case of emergencies. anyone who had good credit and now has bad credit is because they never used it right or never paid. as long as you use it and pay for it, your credit will always go up over time. the best one that i find is Chase freedom and Discover. i have both and they each started me out with $4000.00 line of credit. personally, that is more than i need. good luck Carrie.

By: Alan Marcus | Nov 10, 2014

The more credit cards you have gives you more flexability in using them With your FICO you should be able to get much higher credit limits than 3-5k The most important point to be considered is whether or not you can pay off any balances each month to avoid the high interest rates once the zero interest period expires Credit cards and balance tranfers at zero interest are great vehicles if you can pay them off without incurring high interest rates after the promotion rates end

By: Alan Marcus | Nov 11, 2014

Bank America has a credit card that pays you $25 every 3 months if you pay more than the "minimum" due each month There is an additional reward if you have an account with the bank

By: Rebecca Clark | Nov 13, 2014

@ Joseph Miller, can you tell me if the $4000 line of credit you received was due to " Excellent Credit 700 and above ? that would help me a lot since I was thinking the same thing that Carrie Estrada Cipollini stated. my Fico is 716. and I hate to apply unless I can get between 3k-5k. it would not be worth it to have an inquiry on my credit for $500 limit..

By: Gary Bell | Jan 9, 2015

if you fico is 722-750 go Discover you will love it!!

By: Ann Marie Monaco Perricone | Feb 10, 2015

Carrie Estrada Cipollini, they have cards out there that are secured cards that will help you build your credit. If your credit is bad, noone will give you a card and if so, they percentage will be astronomical! I'm pretty sure Capital One has one and by secured I mean, you send them $300 and they give you a credit limit of $300. It doesn't sound the best but it works and will def help build your credit if you pay on time. Good luck!

By: Cindy Harvey | Feb 10, 2015

Go to First Progress. They have all the best cards for everybody. They are Better Business Approved and MY APRis 11%.

By: Dr-Will McKay | May 15, 2015

What is your highest Line of credit and how many years have you had credit? I would suggest a Chase Credit card because they will give you an initial line via the internet and you can speak with them to get that increased by manual review

Picture of Mario Perez

By: | Oct 13, 2014

want 1 need 1

Picture of Cathy Held

By: | Oct 7, 2014

Don't have one .Don't need one!!!

18 Replies

By: Douglas Piskac | Oct 14, 2014

good for u. some people need a helping hand once in a while then are back on their feet again....

By: James A Barnes Jr. | Oct 31, 2014

Hhmm, a person "could" wonder if the reason you don't have one is because you can't get one...It's just a thought.

By: Joseph Miller | Nov 7, 2014

good one james.....i love it.

By: Avery Richard | Nov 16, 2014

Thats only because you keep getting denied.

By: Evi Mor | Nov 30, 2014

you will have to do one trade line

By: Bill Ohman | Dec 10, 2014

I agree! Amen and Godspeed!!! ;)

By: Kylie Allison | Dec 16, 2014

If you can manage your money, credit cards are awesome to have. I use mine for everyday purchases, get points, and then pay them off each month-- staying in control of my spending. Getting cash back/ points for daily errand purchases/ lunch, etc is actually really "rewarding." (excuse the pun). Not only that, but you're building credit, and credit cards are a lifeline in case life happens. Just don't fall victim to large spending in general or trying to fulfill promotions if you can't afford it.

By: Jeffrey Rodgers | Dec 19, 2014

ok you like it but when you get down on cash and you cant make the payment let see what happen

By: Gary Bell | Jan 9, 2015

Discover is #1 in my book my Fico is 677 and my Credit limit 6500 like i said go Discover the best ever!!!!!

By: Angie Godfrey Dyer | Jan 28, 2015

lol that's funny James Barnes

By: Susan Kneeland McElhinny | Feb 22, 2015

I'm with you. I got out of the habit and paid them off. then cut them up. If I want something I best be able to afford it!

By: Virginia Gaines | Feb 22, 2015

Wow! Congratulations Kathy! I wish I could qualify for one! I am not ashamed to say I was never taught about credit. I had to learn about from the school of hard-knocks! My score is so bad now and I don't qualify for a card to get back on track!

By: Olive Henry | Mar 28, 2015

CANT GET ONE, HENCE THE NEGATIVITY

By: Robert Calero | May 15, 2015

gogo dance money is not a problem

By: David Clifton | May 20, 2015

Don't have one or need one yet you had to click on the ad?

By: Candace Cottner Reiz | May 24, 2015

'Why' don't you have one. Is it because you can't get one. There's nothing wrong with having a card. I was approve for a Discover it and believe me I'm going to use it...

By: Richard Markko | May 28, 2015

Then why are you even on this site?!?

By: Joy Carlson | Jun 2, 2015

Do not want a credit card right now OK?

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.

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" " 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.

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