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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 396 Offer Ratings
Over the Past 60 Days!

(396) 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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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 1,388 Offer Ratings
Over the Past 60 Days!

(1,388) 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

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

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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 559 Offer Ratings
Over the Past 60 Days!

(559) 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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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

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

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

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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 468 Offer Ratings
Over the Past 60 Days!

(468) 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

See additional details for Wells Fargo Platinum Visa® Card

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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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Your Rating:

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%

See additional details for Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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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 560 Offer Ratings
Over the Past 60 Days!

(560) 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

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

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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 481 Offer Ratings

(481)
  • 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

See additional details for Chase Freedom Unlimited®

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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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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

See additional details for Wells Fargo Cash Wise Visa® Card

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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 Leslie Lamirande

By: | Aug 2, 2018

I have a 3 credit cards that are about $6,388 total and want to transfer them to a card with no 0% interest for about 15 to 18 months. my credit score is 731

1 Reply

By: CompareCards | Aug 9, 2018

Although we cannot determine the amount of credit you will be offered, or your ability to be approved for a card, the Discover it® Balance Transfer and the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer are both excellent cards that come with long introductory periods for APR on balance transfers!

Picture of Nancy Holley Kitchens

By: | Jun 20, 2018

My credit score is 675 and my interest rate is very high on a $3,000 balance. Is there a card you can recommend that will give me a lower interest rate on whatever the balance is after allotted 0% interest time frame?

1 Reply

By: CompareCards | Jun 21, 2018

Although we cannot estimate if you will be approved for a card, or the size of the line of credit that would be given, there are some cards to consider for BT with your good credit score of 675. The Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer and the The Amex EveryDay® Credit Card from American Express are both great options, which come with great introductory APR periods!

Picture of Ezra Knowles Jr.

By: | Jun 15, 2018

Looking to pay off 4 bills I have on credit cards about 5000 can’t find a credit card that works for me

1 Reply

By: CompareCards | Jun 18, 2018

If you are looking to consolidate payments onto one card at a low interest rate, you should look at balance transfer credit card! We cannot determine the amount of credit you will be given, however there are several cards that are designed for balance transfers. The Citi Simplicity® Card - No Late Fees Ever and the Chase Freedom Unlimited® both come with great introductory low APR periods!

Picture of Maame Aphyia Afriyie Boateng

By: | Jun 14, 2018

I have a credit card debt of $3500 and I am looking for a good card to do a balance transfer so as to pay everything off asap. What card would you recommend

1 Reply

By: CompareCards | Jun 14, 2018

Although we cannot speculate on the line of credit you will be approved for by a credit card company, there are several cards that have excellent low interest introductory APR periods. Two cards to take a close look at would be the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer and the Discover it® Balance Transfer, both of which have extra long introductory APR periods on balance transfers!

Picture of Donna Josefy Bishop

By: | Jun 12, 2018

I have a credit score of 780 and would like a low interest rate card,which car would you recommend

1 Reply

By: CompareCards | Jun 14, 2018

There are many excellent cards that have great introductory low APR periods. The Citi Simplicity® Card - No Late Fees Ever as well as the Chase Freedom Unlimited® both have extra long introductory periods for new customers!

Picture of Bill Hauschildt

By: | Jun 8, 2018

I have a credit card with 15K , my credit score is exelent , but I'm paying way to much in Interest , what card is the best to transfer to ,so I can pay this off ?

1 Reply

By: CompareCards | Jun 13, 2018

There are many excellent balance transfer credit cards to consider when looking for a new card. Although we cannot speculate on the line of credit you will be approved for, the Citi® Double Cash Card – $100 Cash Back Offer and the Discover it® Balance Transfer are both excellent cards which offer extra long introductory APR periods on balance transfers!

Picture of Sandy Mochida-Rapozo

By: | Jun 4, 2018

my husband & I have credit scores around 740> but have quite a bit of debt that we are looking to pay off. 3 of our cards are within a $1500 of the credit limits while 3 other cards open have no balance. which card do you think would approve and help us to reduce our debt without paying a high interest rate?

1 Reply

By: CompareCards | Jun 4, 2018

Although we cannot determine the amount you will be approved for, there are many options for balance transfer credit cards! The Citi Simplicity® Card - No Late Fees Ever for instance has a long introductory period with low APR, and the Discover it® Cash Back also has a long introductory period as well as cash back offers!

Picture of Libby Holley Milliken

By: | May 29, 2018

I’m looking for a credit card for my husband, he will be using it monthly, regularly and paying off every month, I’m looking for the best rewards or cash back that he could earn, his credit score is close to 800

1 Reply

By: CompareCards | May 29, 2018

With a credit score around 800, your husband will likely be approved for most cards he were to apply for. When looking at rewards, the Capital One® Venture® Rewards Credit Card offers excellent rewards, as well as the Chase Sapphire Preferred® Card!

Picture of Diane Choquette

By: | May 29, 2018

I am trying to build my credit no one gives you a chance.

2 Replies

By: CompareCards | May 29, 2018

Although building credit can sometimes be difficult, secured credit cards are an excellent way for people to do so! They work by using a refundable security deposit to open up an initial line of credit. Take a look at the Discover it® Secured and the Capital One® Secured Mastercard®.

By: Maggie Criss Milhorn | Jun 2, 2018

While I agree that sometimes you do have to start with a secured card and build your way up. I have found that the cards that seem to give you a chance with lower credit are: 1) Capital Platinum Card. Both of my sons have been approved for this card, as well as Credit One. They are low balance and very high interest cards, but if you are looking to do small charges and pay it off every month then these are two possibilities.

Picture of Jacqueline Sharp

By: | May 18, 2018

I am trying to build up my credit due to identity theft. I have tried to explain that I have not opened up loans/credit cards under my name. I still have to clean up my credit, what card(s) can assist me. My credit score is 548.

1 Reply

By: CompareCards | May 25, 2018

Secured credit card are an excellent way for people with bad credit scores to build credit. This is done by using an refundable security deposit to open up an initial line of credit, take a look at the Discover it® Secured and the Capital One® Secured Mastercard®!

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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" " 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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