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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*

See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

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BankAmericard® Credit Card

 

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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.

See additional details for Citi Simplicity® Card - No Late Fees Ever

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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*

See additional details for Citi® Double Cash Card – 18 month BT offer

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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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Picture of Jose Gamas

By: | Nov 4, 2014

IF YOUR CREDIT IS NO GOOD , YOU CAN GET ONE WITH DIFERENT CONDITIONS WITH CAPITAL ONE

1 Reply

By: Harry A Broker | Nov 9, 2014

Yep Cap 1, is the only Group, helping poor and average credit scores, to a great card. Low CL and High Interest, but they help yo on your way to better your credit score. Also great Checking and Savings, under the Cap 1-360. Both Interest bearing accounts, no maintenance fees, and a gracious overdraft amount, for only 11.75 % APR attached to your 360-checking. Now, where in the world can anyone compete with them?

Picture of Lor Herrera

By: | Oct 31, 2014

would like one, no one will give me one!!!!

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?

Page:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

0% Credit Cards & Interest Free Credit Cards

Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.

Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR.  Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.

Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.

The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.

Reviews
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" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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