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Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 248 Offer Ratings
Over the Past 60 Days!

(248) Over the Past 60 Days!
  • Intro Balance Transfer APR

    0% for 18 months on Balance Transfers

  • Rewards Rate

    Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • Regular Purchase APR

    13.99% – 23.99% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi® Diamond Preferred® Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.5/5.0 from 194 Offer Ratings
Over the Past 60 Days!

(194) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 18 months on Purchases

  • Intro Balance Transfer APR

    0% for 18 months on Balance Transfers

  • Regular Purchase APR

    14.74% - 24.74% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

Apply Now

on Chase's secure site

Chase Freedom Flex℠

 

Rated /5 stars by our editorial team

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Your Rating:

3.3/5.0 from 16 Offer Ratings
Over the Past 60 Days!

(16) Over the Past 60 Days!
Apply Now

on Chase's secure site

  • Sign-up Bonus

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Introductory APR

    0% Intro APR on Purchases for 15 months

  • Regular APR

    14.99% - 23.74% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • 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 Flex℠

Apply Now

on Discover's secure site

Rates & Fees

Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 151 Offer Ratings
Over the Past 60 Days!

(151) Over the Past 60 Days!
Apply Now

on Discover's secure site

Rates & Fees

  • 0% Intro APR

    Intro APR of 0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable.

  • Rewards

    Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • Cashback Match™

    Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • 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

See additional details for Discover it® Cash Back

Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 137 Offer Ratings
Over the Past 60 Days!

(137) Over the Past 60 Days!
  • Intro APR

    0% for 15 months on purchases and balance transfers

  • Sign Up Bonus

    Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

  • Regular Purchase APR

    13.49% - 23.49% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi Rewards+℠ Card

Apply Now

on Capital One's secure site

Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
Apply Now

on Capital One's secure site

  • Introductory APR

    0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)

  • Rewards Rate

    Unlimited 1.5% Cash Back on every purchase, every day

  • Regular Purchase APR

    15.49% - 25.49% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • 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
  • 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; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Apply Now

on Chase's secure site

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 101 Offer Ratings

(101)
Apply Now

on Chase's secure site

  • Introductory APR

    0% Intro APR for 15 months

  • Sign-up Bonus

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Regular APR

    14.99% - 23.74% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • 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®

Apply Now

on Discover's secure site

Rates & Fees

Discover it® chrome

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 39 Offer Ratings
Over the Past 60 Days!

(39) Over the Past 60 Days!
Apply Now

on Discover's secure site

Rates & Fees

  • Intro APR

    0% for 14 Months on purchases and balance transfers*

  • Rewards Rate

    Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • Ongoing APR

    11.99% - 22.99% Variable*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • 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

See additional details for Discover it® chrome

Apply Now

on U.S. Bank's secure site

U.S. Bank Altitude® Go Visa Signature® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 24 Offer Ratings
Over the Past 60 Days!

(24) Over the Past 60 Days!
Apply Now

on U.S. Bank's secure site

  • Sign Up Bonus

    Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

  • Rewards

    Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

  • Intro APR

    0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0*

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
  • See additional U.S. Bank Altitude® Go Visa Signature® Card details
Apply Now

on Synovus Bank's secure site

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.2/5.0 from 16 Offer Ratings
Over the Past 60 Days!

(16) Over the Past 60 Days!
Apply Now

on Synovus Bank's secure site

  • 0% Intro APR

    0.0% Introductory APR for the first 6 months your account is open, then 12.99% (Variable)

  • Build Credit

    Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History

  • Credit Line

    Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $49

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.

*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.

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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