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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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4.2/5.0 from 1,922 Offer Ratings
Over the Past 60 Days!

(1,922) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.49% - 23.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer. 
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee* 
  • Free access to FICO® Scores*

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 671 Offer Ratings
Over the Past 60 Days!

(671) 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
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • 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® Cashback Match™

 

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3.7/5.0 from 583 Offer Ratings
Over the Past 60 Days!

(583) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Capital One® VentureOne® Rewards Credit Card

 

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4.3/5.0 from 875 Offer Ratings
Over the Past 60 Days!

(875) 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 12.99% - 22.99% (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 unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% 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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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 789 Offer Ratings
Over the Past 60 Days!

(789) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49% (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 and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% 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

 

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Your Rating:

3.9/5.0 from 405 Offer Ratings
Over the Past 60 Days!

(405) Over the Past 60 Days!
  • Introductory APR 0% for 9 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 13.99% - 23.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

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

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 878 Offer Ratings
Over the Past 60 Days!

(878) Over the Past 60 Days!
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Wells Fargo Platinum Visa® Card

 

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Your Rating:

4.0/5.0 from 338 Offer Ratings
Over the Past 60 Days!

(338) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • 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, then a 16.15%-25.99% 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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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 495 Offer Ratings
Over the Past 60 Days!

(495) Over the Past 60 Days!
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Richard Fulton

By: | Oct 26, 2015

I tried to get a Citi Bank credit card and was turn down. My credit score are good.

1 Reply

By: Fauzi Ajihil Ummar | Nov 25, 2015

I would try Chase credit cards. Instant approval on most of their credit cards.

Picture of Dabonboza de Dabonboza

By: | Oct 25, 2015

Well.... My credit score is over 665 but below 700 ... I have 2 debit cards and a checking account...... I have zero debt. I have guaranteed Gov't (retired) income. Added; I have no bad marks on my transunion! However; I have no credit! No recent credit account activity. Ergo; I cannot get approved for a credit limit - except for secured cards - LOL I already have 2 secured / prepaid cards! I want a real credit card with a $500 - $1,000 limit! Even a Gas Only CC with a $250 limit to start would be an acceptable something! Additionally; A CC (Barclays) with a 25% APR is totally unacceptable! That is usury / extortion! There should be a Law against that! Accepting a 25% APR CC is begging for trouble! I am tired of looking at applications and terms. They are all the same cycle over and over. I have have already lost 12 points on my transunion due to hard Credit Inquiries, and wish to loose no more that way. Why bother to even even apply - it's destructive? Anybody have any idea's?

2 Replies

By: Stephen Perrault | Oct 28, 2015

I was in the same boat a few years back except I had a Bk....good income and no debt except for house and a car.....wanted a card for emergency use only....went to the Credit union and got a 2000 fixed rate at 13.90%...used it for little things and paid in full every month...a year later they raised it to 5000. This year it's going to 10000 and because of payment history my score is just over 720 now so that qualifies me for the best tier rate of 8.9% fixed. Try the credit unions they are so much better and easier to work with.

By: Mary Andrews | Nov 8, 2015

go to first premier credit card and credit one and apply they will start you out with 200 to 300 credit limit unsured card

Picture of Tricia Flynn

By: | Oct 21, 2015

My credit score is 718 and I do not have a major credit card and I was not approved by Chase Slate card; so its not true that you can get this card with a lower credit rating.

3 Replies

By: Max Lawson | Oct 28, 2015

Review your credit report, there may be some problem. 718 is a excellent score, also avoid hard hits on your credit, leaders look at that closely. Good luck, and may the LORD JESUS continue to bless you, always.

By: Chaz Sanchez | Oct 29, 2015

Try Jetblue American Express card. I was shocked that I was approved for a $2500 limit an my credit score at the time was 670. I applied in August.

By: Bill Flynn | Nov 2, 2015

My credit score is only a 650 and I was approved instantly

Picture of Mike Yates

By: | Oct 21, 2015

I, Michael A. Yates, have not-so-good-credit, am on disability and need purchasing power through a credit card or a loan. Is there any help for me?

1 Reply

By: Rich Kennedy | Oct 21, 2015

Suggestion: contact a local credit union. You may be able to get a secured card (without all the "big bank" fees). Prove yourself reliable with payments on that card and eventually they will convert it to a regular credit card.

Picture of Carol Jarmon

By: | Oct 13, 2015

I need to transfer all my credit cards that I have, would I get an approval for what I need, I'm looking for about 35,000 and my credit score 675, I pay all my bill on time

1 Reply

By: CompareCards | Oct 14, 2015

Hi Carol,

A $35,000 line of credit is a very high amount for a personal credit card. With a score in the high 600s, your credit rating is considered fair to good, and it is extremely unlikely that you will get approved for a credit line that high. Nonetheless, a good balance transfer credit card like the Chase Slate or the Citi Simplicity could be a useful tool to help pay off some of your other cards. Even if you aren't able to transfer every balance onto one card, I would still take advantage of the numerous offers with 0% APR to begin to chip away at your debt.

Picture of Jerry Spurgeon

By: | Oct 8, 2015

I Would Like A Card To Buy Some Mew Mics For My Southern Gospel Group

Picture of Maria E. Olimpo-Larrimore

By: | Oct 7, 2015

can I transfer my balance from my Walmart and Home Depot cards to a credit card?

1 Reply

By: Robert Mansfield | Oct 9, 2015

yes, call each card issuer for a payoff balance first

Picture of Kathy Pennington Carnes

By: | Oct 6, 2015

i would like to know how long it takes to get approval. I have 2 cards I would like to transfer balances and one has a payment due the 14th of October. I know that is a short time !!

1 Reply

By: CompareCards | Oct 6, 2015

Hi Kathy,

When you apply online, almost every credit card application can give you an instant decision on whether or not you are approved. Most credit card applications will include a place where you can put the information in to initiate a balance transfer. I would recommend the Chase Slate, which offers 0% APR for 15 months, no annual fee, and no balance transfer fee.

Picture of Erik Theodorsen

By: | Oct 5, 2015

I am a college student looking to build his credit and I would like to know which would be the best choice out of all the cards.

1 Reply

By: CompareCards | Oct 6, 2015

Hi Erik,

The Discover It for Students card is a great option for college students. This credit card is packed with features that are perfect for a first time cardholder, and they are usually willing to approve applications even if they don't have a lengthy credit history.

Picture of Lisa Carlson

By: | Oct 3, 2015

I need a low interest credit card to help me move. I paid off all my citi bank cards prior to them due and and someone must have wrong info because my credit should be outanding

1 Reply

By: CompareCards | Oct 5, 2015

Hi Lisa,

For low interest, the card I would recommend is the Citi Simplicity. This card offers 21 months with 0% APR!

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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.

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