0% period and no late fees

citi
Citi Simplicity® Card - No Late Fees Ever
Regular APR
15.74% - 25.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness
  • 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

0% period and flat-rate cash back

capital
Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
Regular APR
14.74% - 24.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • 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

0% period and bonus category cash back

Regular APR
16.74% - 25.49% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • 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
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 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
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

0% period and low fees

discover
Discover it® Balance Transfer
Regular APR
13.74% - 24.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • 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.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

0% period for transfers plus rewards

cash
Citi® Double Cash Card – $150 Cash Back Offer
Regular APR
15.24% - 25.24%* Variable APR
Annual Fee
$0*
Recommended credit score
690
850
Good - Excellent

We like it for

  • Earn $150 cash back bonus after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 15.24% – 25.24% based on your creditworthiness*
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • No categories to track, no caps on cash back, no annual fee*
  • Balance Transfers do not earn cash back

Longest 0% intro APR period

us
U.S. Bank Visa® Platinum Card
Regular APR
11.74% - 23.74% Variable APR
Annual Fee
$0*
Recommended credit score
690
850
Good - Excellent

We like it for

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 11.74% – 23.74%
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 11.74% – 23.74%
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

0% period and entertainment rewards

linda
Citi ThankYou® Preferred Card
Regular APR
15.24% - 25.24% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% – 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Low interest and low fees

ring
Barclaycard Ring® Mastercard®
Regular APR
13.74% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply
  • Low 13.74% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN

Low ongoing interest

prime
Lake Michigan Credit Prime Platinum Card
Regular APR
7.75% Variable
Annual Fee
$0
Recommended credit score
720
850
Good - Excellent

We like it for

  • One of the lowest interest rates in the country, as low as Prime + 3.00%
  • Rate is variable, tiered, and is linked to Prime
  • No annual fee
  • Credit line of up to $25,000
  • Free car rental insurance

Low interest for military

usaa
USAA® Rate Advantage Visa Platinum® Card
Regular APR
8.65% - 25.65% Variable APR
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • Enjoy our lowest rate card.
  • No annual fee, no foreign transaction fees, no penalty APR.
  • USAA membership is available to active and former military and their eligible family members

Low interest for bad credit

dcu
Digital Federal Credit Union Visa Platinum Secured Credit Card
Regular APR
13.25% Variable APR
Annual Fee
$0
Recommended credit score
350
850
Good - Excellent

We like it for

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
  • No Annual Fee*
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Works with Apple Pay®, Google Pay™, and Samsung Pay
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection On Your DCU Checking
  • Buy online easily and safely with Visa Checkout
  • Embedded EMV chip to protect your card information