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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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Your Rating:

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 Earline Buchanan

By: | Jul 9, 2015

They always say you are pre approved but the application never goes through.I wish that some one would approve me to get my credit started back on the right track.

2 Replies

By: Ashley Dawn Harvey | Jul 16, 2015

I so agree with you Earline!!! I've been trying to reestablish my credit, I just recently got approved for a starter fingerhut account!! I've paid all of my payments on time and early!! I owe $11.76 and am paying it Friday! They say they report to credit bureaus!!!! We will see!!!! Just maybe if they do I can I pray get one credit card to prove myself!!!!!

By: Kim Bauer | Jul 19, 2015

Ashley, my fico score were 497 and 501 low very bad credit. 1. Got my free credit info. Once you have all three scour ovver your report for any errors or mistakes and address them first. 2. Don't expect a quick Turner this takes work and discipline but it is worth it. Anyway look for cards that will prequalify as you dont want your report full of inquires as this will negatively impact your credit score. Most likely your first card would be a $200 secured capital one card. After 6 mo to 12 mos of payments on time, NEVER go over your credit limit they will increase your limit by the amt you deposited, so you will have in unsecured card with a limit of $400.00. ALWAYS PAY ON TIME AND ALWAYS OVER THE MINIMUM AMT. Is: amt due $25.00 pay $35.00. Do this on any cards you have. Time to apply for your next card. Try Credit One, they have a preeqaulifing application as well. This card will most likely approve you with a $500 limit all unsecured. Make sure you pay on time and for over the minimum.. By now your score will most likely be somewhere over 600. And just keep on chugging and before you know it your score will be up there and you will Be getting preapproved cards that are actually preapproved and cards with great benefits. BUT BE CAREFULL DON'T GET INTO CREDIT CARD DEBT AGAIN as your score will plumment faster than you can imagine and you work so hard to get to where you're at that you don't want to be back in debt again!!! Good luck.

Picture of Leon Gosnell

By: | Jul 6, 2015

Usaa 8.9 can you Beat that if so let me know.

1 Reply

By: CompareCards | Jul 7, 2015

Hi Leon,

The Barclaycard Ring MasterCard has an interest rate of 8% for both purchases and balance transfers. Furthermore, there is no annual fee and no balance transfer fee!

Picture of Schariff Joseph

By: | Jul 3, 2015

I AM WORKING IN MPLS CITY AS A BUS DRIVER AND I WOULD LIKE TO BUILD MY CREDIT I AND NEVER HAD ONE LIKE CHASE CREDIT CARD OR BANK OF AMERICA OR ANY OTHER AND I DO NOT KNOW EVEN WHAT IS MY CREDIT SCORE .

1 Reply

By: Mary Demere | Jul 8, 2015

Watch out for Chase Cridit Cards he had a problem with these,you need to start with a Cridit Card that only goes to $500.00 ,that way it is easyer to pay and do not let them talk you into going higher once you hit your limit that is how they get most people and they raise there percentage alsolol,mnanny.

Picture of Norma Yankley

By: | Jun 29, 2015

I had great credit. I had worked my Discover card down to 2.3. The way I did this was call up after months of paying and being on time said I was gonna close my card. They offered raised limit and better rate. Then I got divorced. Fell behind and got screwed. Now I got the Capital One card. 300 limit. Paid it off each month. After 6 months I applied for cash back Quicksilver. Got 3200 limit. So start small go big

Picture of Frederick King

By: | Jun 28, 2015

Why do you think I need more credit cards. The reason I am asking is because I am on a set income and wondering where my next nickel or dime is coming from beyond my retirement. I do not have any credit cards because I cannot afford them. Explain to me why I need any type of credit card. Please reply.

Picture of William Slaughter

By: | Jun 27, 2015

I can not get a card becaucs I have a score of 570 and nobody will help one day you or peopl needs help same you have a big car or big home and making a lotes of money thsnkyou

4 Replies

By: Jesse Ruiz | Jul 1, 2015

the u try to get one from capital one

By: Sharee Vingilis | Jul 3, 2015

My credit score was about 525 when I applied for my first capitol one card. I kept it for you a year and made payments on it every month and was able to convert up to a better card with a higher credit limit and it came with rewards.

By: Robert Cassetty | Jul 11, 2015

Try first premier or capitol one

By: Jody C Johnson | Jul 12, 2015

Amen, Brother. I know exactly where you are coming form. Can you hand me the other paddle?

Picture of Linda Gransberry

By: | Jun 25, 2015

i was looking at the black card can I apply for that?

1 Reply

By: Francis Ndirangu Mburu | Jul 15, 2015

If you have a high credit score and a high income, I assume you are talking about the Barclays bank card.The annual fee is 495 and they will give you a high limit, but if you are talking about the amex centurion card that is by invite only

Picture of Ndey Rohey Khan

By: | Jun 25, 2015

My credit is not so good so no one will approve me

1 Reply

By: Vada Mink Mcdade | Jul 13, 2015

Hello, I saw your comment about getting your credit back on track. I had to do the same thing after my divorce. My credit was a mess. I started out with a $200 credit line with a $50 membership fee. Which I made payments on. Check with a couple cards. Bank of America and citi bank seem to be the most flexible. hope This helps good luck!!!

Picture of Debra Ladoucer

By: | Jun 25, 2015

I have a low credit score so no one will accept me

1 Reply

By: Jeff Grimm | Jul 3, 2015

Try capitol one they help you out

Picture of Janet Prainito

By: | Jun 23, 2015

My wife and I have the chase freedom card interest free for 15 mons. and it's great I am a Vietnam veteran and chase treats veterans really great Bob Prainito

1 Reply

By: Donald Clive Richards | Jul 1, 2015

I am thinking about this Chase Freedom card because I like the commercial song (with George Michael). That is the wrong reason to get a credit card but I hear the Freedom has excellent cash rewards.

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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.

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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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