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3.7/5.0 from 88 Offer Ratings
Over the Past 60 Days!
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Intro Purchase APR
0% for 18 months
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Intro Balance Transfer APR
0% for 18 months
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Rates and Fees
No annual fee, no foreign transaction fee, and no penalty APR
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Typical Credit Needed
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Annual Fee
$0
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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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Intro Purchase APR
0%* for 12 months on Purchases*
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Intro BT APR
0%* for 21 months on Balance Transfers*
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Regular Purchase APR
15.99% - 25.99%* (Variable)
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Typical Credit Needed
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Annual Fee
$0*
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Card Brand
Mastercard®
Highlights
- 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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Intro Balance Transfer APR
0% for 18 months on Balance Transfers*
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Rewards Rate
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
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Regular Purchase APR
15.49% - 25.49%* (Variable)
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Typical Credit Needed
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Annual Fee
$0*
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Card Brand
Mastercard®
Highlights
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% 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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Intro Balance Transfer APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
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Intro Purchase APR
0% Introductory APR on purchases for 18 billing cycles
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Regular APR
14.99% - 24.99% Variable APR
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 800-821-8754
- 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
See additional details for BankAmericard® credit card
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Intro Purchase APR
0% for 14 months
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Intro Balance Transfer APR
0% for 14 months
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Ongoing APR
13.99% - 24.99% Variable
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See Rates & Fees
See additional details for Discover it® Cash Back
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Introductory APR
0% for 15 months on purchases and balance transfers
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Rewards Rate
Unlimited 1.5% cash back on every purchase - it's automatic!
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Regular APR
16.74% - 25.49% Variable
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Typical Credit Needed
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Annual Fee
$0
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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 16.74-25.49%. 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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Intro Purchase APR
0% intro on purchases for 12 months
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Rewards Rate
1.25 Miles per dollar on every purchase, every day
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Regular Purchase APR
13.74% - 23.74% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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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
See additional details for Capital One® VentureOne® Rewards Credit Card
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Introductory APR
0% for 15 months on balance transfers and purchases
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Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
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Regular Purchase APR
14.74% - 24.74% (Variable)
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Typical Credit Needed
-
Annual Fee
$0
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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® Card - 0% Intro APR for 15 Months
*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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By: Lee Savois | Nov 26, 2017
I have bad credit. I would like to have a credit card to build my credit.
1 Reply
By: LendingTree | Nov 28, 2017
Any credit card will help you build credit over time as long as you use it responsibly. If you're trying to rebuild your credit, you will likely need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. By putting a few charges on your secured cards and always paying your balance off in full and on time each month you should be able to build your credit back up over time. The Capital One® Secured Mastercard® and the Discover it® Secured are both great options.
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.