Best Low Interest Credit Cards for February 2020

Matt is a Certified Financial Planner® and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice, and in 2017 he received the SABEW Best in Business Award.

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A low-interest credit card has a below-average annual percentage rate (APR) on purchases, either on a temporary or permanent basis. A low-interest credit card can save you a tremendous amount of money if you carry a credit card balance, and it can also help you pay down debt faster than you otherwise could. We've reviewed dozens of low-interest credit cards, so if you'd benefit from a lower APR, take a moment to check out our favorites.

Ratings Methodology
Earn cash back
Discover it® Balance Transfer

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On Discover's Secure Website.

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On Discover's Secure Website.

Rewards

Earn 5% cash back in rotating quarterly categories you activate ($1,500 quarterly spending cap), 1% back on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months

Ongoing APR

13.49% - 24.49% Variable

Bonuses & Perks

Double cash back in the first year -- that's worth up to 10% back, FICO score for free

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 on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
Long 0% APR
Citi Simplicity® Card - No Late Fees Ever

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On Citi's Secure Website.

Great for: Longest balance transfer offer Citi Simplicity® Card - No Late Fees Ever

Why Apply

If getting rid of credit card debt is on your to-do list, this card can help. With no late fees, no annual fee, and no penalty rate, this card is an unmatched pick that’s made even better with an incredible 21 month 0% intro APR offer on balance transfers. Read Full Review

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On Citi's Secure Website.

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months

Ongoing APR

16.24% - 26.24% (Variable)

Bonuses & Perks

No penalty APR

Highlights
  • 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 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, 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 balances, 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 standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
No annual fee
Chase Freedom®

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On Chase's Secure Website.

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On Chase's Secure Website.

Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 1% on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

16.49% - 25.24% Variable

Bonuses & Perks

$150 after spending $500 within three months, free credit score monitoring

Highlights
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • 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℠
BankAmericard® credit card

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On Bank of America's Secure Website.

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On Bank of America's Secure Website.

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 18 billing cycles
Balance Transfers: 0%, 18 billing cycles for balance transfers made within first 60 days

Ongoing APR

14.49% - 24.49% Variable

Bonuses & Perks

FICO score for free, no penalty APR

Highlights
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all 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
Capital One® Quicksilver® Cash Rewards Credit Card

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On Capital One's Secure Website.

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On Capital One's Secure Website.

Rewards

Unlimited 1.5% cash back, no minimum to redeem

Annual Fee

$0

Intro APR

Purchases: 0%, for 15 months
Balance Transfers: 0%, for 15 months

Ongoing APR

15.49% - 25.49% Variable

Bonuses & Perks

$150 after spending $500 within first three months of account opening, free credit monitoring

Highlights
  • 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
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Bank of America® Cash Rewards credit card

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On Bank of America's Secure Website.

Great for: Bonus cash rewards Bank of America® Cash Rewards credit card

Why Apply

Includes a market-leading bonus in the no-annual fee category and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Plus, the long 0% intro APR offer makes this card a standout among its peers. Read Full Review

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On Bank of America's Secure Website.

Rewards

3% cash back on gas or in your choice category, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all else.

Annual Fee

$0

Intro APR

Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles for balance transfers made within first 60 days

Ongoing APR

15.49% - 25.49% Variable

Bonuses & Perks

$200 after spending at least $1,000 in the first 90 days of account opening, 25% to 75% more rewards for Preferred Rewards members

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Citi® Double Cash Card – 18 month BT offer

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On Citi's Secure Website.

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On Citi's Secure Website.

Rewards

2% cash back: 1% when you buy plus 1% as you pay

Annual Fee

$0

Intro APR

Purchases: N/A
Balance Transfers: 0%, 18 months

Ongoing APR

15.49% - 25.49% (Variable)

Bonuses & Perks

FICO score for free

Highlights
  • Earn cash back twice. 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 15.49% - 25.49%, 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 15.49% – 25.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Great for: $0 intro balance transfer fee The Amex EveryDay® Credit Card from American Express

Why Apply

This card is unavailable on site and card details may be out of date -- One of the few remaining balance-transfer cards that include an intro $0 balance transfer fee. Add in the premium rewards and welcome bonus, and it's hard to ignore. Read Full Review

Rewards

2x points at US supermarkets ($6,000 spending cap per year), 1x points on all else. Use your Card 20 or more times in a billing period to earn 20% more points

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months for transfers made within 60 days

Ongoing APR

14.99%-25.99% Variable

Bonuses & Perks

10,000 points after spending $1,000 within three months

Highlights
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
Citi® Diamond Preferred® Card

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On Citi's Secure Website.

Apply Now

On Citi's Secure Website.

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months

Ongoing APR

15.24% - 25.24% (Variable)

Bonuses & Perks

FICO score for free

Highlights
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, 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
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, 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 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Wells Fargo Platinum Visa card

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On Well Fargo's Secure Website.

Apply Now

On Well Fargo's Secure Website.

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 18 months
Balance Transfers: 0%, 18 months on qualifying balance transfers

Ongoing APR

16.99%-26.49%, variable

Bonuses & Perks

FICO® score for free, mobile phone protection

Highlights
  • Pay down balances instead of interest with Wells Fargo’s longest intro APR
  • $0 Annual 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 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
  • Select "Apply Now" to learn more about the product features, terms and conditions
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Everything you need to know about low interest credit cards

Carrying a credit card balance isn't an ideal financial situation, but the reality is that millions of Americans do it. Total U.S. credit card debt was $868 billion in mid-2019, and the average cardholder owes more than $6,000 on their credit cards. As of May 2019, the average credit card APR was 15.13%, which implies that Americans are paying credit card interest to the tune of about $130 billion per year, or over $900 per cardholder. Getting the lowest possible interest rate can save you hundreds or even thousands of dollars every year.

The interest rate you pay on any given credit card depends on a few factors, such as your credit history and overall debt profile. However, some credit cards offer generally lower interest rates than others, while others offer 0% intro APRs for several months on both purchases and balances transferred from other cards, which is generally the best way to save money on your credit card balances. If you're looking to transfer a balance or finance a large purchase, check out our favorite 0% intro APR credit cards.

Factors to consider when choosing a low interest credit card

Low-interest credit cards come in two main forms:

  • 0% intro APR -- Credit cards that charge no interest on purchases or balance transfers, but only for a certain period of time, typically ranging from 12 to 21 months. In addition to the 0% intro APR periods, these cards also vary significantly in terms of the fees charged and other benefits offered.
  • Low permanent APR -- Credit cards with a below-average APR that isn't temporary. These still typically fluctuate with benchmark interest rates but tend to stay lower than the average APR offered. These aren't easy to identify, as credit card interest rates depend on several factors.

What does APR mean when it comes to credit cards?

APR stands for “Annual Percentage Rate,” or the rate of interest applied to your balances. Most credit cards use an average daily balance method for calculating interest. Thus, the card’s APR is divided by 365, and then that daily interest rate is used to calculate interest due on balances day by day.

To illustrate the impact a lower-interest credit card can have, consider how paying $100 per month on a $3,000 initial credit card balance will reduce your debt over time:

Month Balance with 18% APR Balance with 12% APR Balance with 0% APR
0 $3,000 $3,000 $3,000
1 $2,945 $2,930 $2,900
2 $2,889 $2,859 $2,800
3 $2,833 $2,788 $2,700
4 $2,775 $2,716 $2,600
5 $2,657 $2,569 $2,500
6 $2,597 $2,495 $2,400

Note: Figures rounded to the nearest dollar.

Here's the takeaway: After six months, the cardholder with a 0% APR would have reduced their debt by nearly $200 more than one with an 18% APR, even though they both paid the exact same amount of money.

What is a good APR for a credit card?

We think about credit cards and their APRs in two different ways. Some cards offer exceptionally low APRs for a certain period of time (0% intro APRs on purchases or balance transfers), while others offer persistently low APRs, many times, for people who have excellent credit. These cards fit into two distinct categories because they are designed for very different purposes.

  • Promotional APRs -- If you need a low APR to help finance a purchase or pay down existing credit card debt with a balance transfer, a 0% intro APR is ideal. There are many credit cards that offer a 0% intro APR for periods spanning from 6 to 18 months. The advantage to these cards is that they offer a super-low APR, but only for a short period of time.
  • Low-interest cards -- Some cards offer consistently low APRs, usually to people who have excellent credit scores. (The credit card with the lowest interest rate will usually have an APR around 10% or so, which is in line with rates on two-year personal loans.)

Credit cards with a 0% intro APR are generally the better way to go, especially if you can pay off your entire balance before the introductory period expires. Cards with permanently low interest rates are still an expensive way to borrow money, especially with emergence of the personal loan industry over the past few years.

It can be difficult to find a credit card with a permanently low interest rate, and it's typically a better idea to obtain a personal loan if you need to finance a large purchase over an extended period of time. These have fixed rates that are often superior to even the lowest permanent credit card APRs, and set repayment periods that can let you repay your debt over a few years.

When using a low-interest credit card can make sense

Here are some illustrative examples of when a low-interest credit card can be useful:

  • Your income fluctuates -- People who have irregular income may benefit from having a low-interest credit card to help cover expenses in periods where cash flow is particularly tight. Salespeople who work on commission and self-employed individuals fit here.
  • You need emergency financing -- Nothing beats having a few months of living expenses in your bank account, but having a low-interest credit card as a backup source of financing can help you digest unforeseen large expenses (like a car repair, or midnight call to a plumber) while minimizing the amount of interest you pay.

While we’d never advise carrying a balance for long periods of time, a low-interest credit card can be better than the alternatives. You would pay about $10 in interest every month on a $1,000 balance at a 12% APR. That’s far better than paying a $35 overdraft fee or getting a loan shark rate from a payday loan store.

How to get out of debt with a low interest credit card

One of the best ways to pay down credit card debt for good is to use a 0% intro APR balance transfer offer. By moving your balance from a card with a high APR to another card with a 0% intro APR, you’ll be able to pay down your balances faster because interest won’t accrue during the promo period.

To illustrate the savings, consider a scenario in which you have $5,000 of credit card debt at an 18% APR and can afford to make monthly payments of $250 toward paying down your balance. The table below shows you how you can save hundreds of dollars in interest, and have the debt paid off three months faster, by moving the balance to a card with a 0% intro APR for 15 months.

APR Monthly payment Time to pay off Interest paid
0% for 15 months, 18% thereafter $250 21 months $59.42
18% $250 24 months $989.17
Savings $0 3 months $929.75

This is not an unrealistic achievement. While the industry standard fee for balance transfers ranges from 3%-5%, there are several credit cards that offer a 0% intro APR and do not charge you any balance transfer fees. For people who carry balances, 0% intro APR cards offer value in excess of the best sign-up bonus cards!

The math isn’t as favorable for people who use low interest rate credit cards in lieu of 0% intro APR cards, which is why we have a preference for cards that offer a 0% intro APR. The table below compares paying off a $5,000 balance at 18% vs. the same balance at 10%.

APR Monthly payment Time to pay off Interest paid
10% $250 22 months $492.42
18% $250 24 months $989.17
Savings $0 3 months $496.75

As you can see, paying 10% instead of 18% makes a big difference in the total amount of interest paid, but it doesn’t create as much savings as a card that offers a 0% APR for a short period of time before reverting to a standard APR of 18%.

How is interest applied to credit cards?

Credit card interest can be a little tricky, but once you understand how it works, it’s actually pretty simple.

The first thing you should understand is that credit cards show interest rates on an annual basis, but most credit cards charge interest on a daily basis. So, if a credit card has an 18% APR, that means it actually carries an interest rate of about 0.049315% per day (18% ÷ 365 days = 0.049315%).

If you have a $5,000 balance, the next day the balance would grow to $5,002.70 at an 18% APR, assuming that no other purchases or payments are made. This calculation is made every day during a billing cycle. After 30 days, the $5,000 starting balance would grow to about $5,074.50 at an 18% APR.

What is a grace period?

The good news is that interest isn’t charged immediately. Most credit cards have what’s known as a grace period, or a period of time in between when a statement period ends, when the payment is due, and when interest is actually charged. An example is the best way to illustrate how all this works.

For our example, we’ll assume that:

  1. You make $5,000 of purchases on March 5.
  2. The card’s billing cycle ends on March 31, and your payment for that period is due on April 25.
  3. You make a $5,000 payment on April 25.

If you do all of the above, you won’t pay a dime in interest. That’s because you didn’t carry a balance into the statement period, and you paid your new balance in full during the grace period.

We should point out that grace periods don’t help you if you carry a balance from month to month. That’s because carrying a balance can mean that you forfeit the grace period, and purchases immediately accrue interest. Thus, if we modify the example and assume that you had a $1,000 balance carried over into the May billing cycle, you’d owe interest on the $6,000 balance ($1,000 of existing debt plus $5,000 in purchases) you carried from March 5 to April 25.

The key thing to remember is that grace periods only help you when you always pay your credit card balance in full every single month. Even if you charge up $5,000 of purchases and make a $4,999 payment, the $1 balance you carry over can trigger the immediate accrual of interest on all subsequent purchases.

Low interest credit card pitfalls to avoid

A 0% intro APR card can offer a lot of value, but you have to be careful how you use it. You’ll notice that many of our favorite cards offer 0% intro APRs on purchases and balance transfers. There’s a good reason for that: Cards that only offer a 0% APR on one type of balance can cause you to build up balances at a high interest rate while paying down balances you carry at the 0% promo APR.

The CARD Act of 2009 only requires credit card companies to apply payments in excess of the minimum payment toward the highest APR balance. This can lead to a situation where cardholders use a 0% intro offer on one type of balance and build up a different type of balance at a high APR.

Suppose you have a $4,500 balance transfer balance at a 0% intro APR, and a $500 purchase balance at an 18% APR, for a total balance of $5,000. Minimum payments vary by card issuer, but on a $5,000 balance, a $50 minimum payment would be in the typical range (most issuers require minimum payments equal to 1% of the balance plus any new interest).

Balance type Amount Interest rate
Balance transfer balance $4,500 0% intro APR
Purchase balance $500 Standard 18% APR
Total $5,000 N/A

Which works best to pay off debt?

If you only pay the $50 minimum payment, all of it will be applied to the balance transfer balance. Thus, your balances will change as shown in the table below.

Balance type Amount Interest rate
Balance transfer balance $4,450 (declined by $50) 0% intro APR
Purchase balance $507.50 (increased by $7.50) Standard 18% APR
Total $4,957.50 N/A

Notice that the purchase balance grew even though you made a payment. That’s because the minimum payment that you made was applied to the balance transfer at a 0% APR, while the purchase balance was untouched, and increased due to interest charges.

The only way to avoid building up on a higher APR balance is to pay an amount equal to the required minimum payment plus the higher APR balance. In this case, you should have paid at least $550 ($50 minimum payment plus $500 in purchase balances) to make sure that no interest was charged on the purchase balance.

There are three ways to get around this potential pitfall:

  1. Only use cards that offer 0% intro APRs on purchases and balance transfers.
  2. Only use credit cards for a specific type of balance that qualifies for a 0% intro APR (don’t use a 0% balance transfer card for purchases if it doesn’t offer a 0% APR on purchases, too).
  3. Only make payments that are equal to or greater than the minimum payment plus any balances at a high interest rate.

These three rules can save you a lot of headaches, and a lot in interest, by helping you take full advantage of a 0% intro APR offer. 0% intro APRs can help you save a fortune in interest. But if you don’t, a 0% intro card offer can put you back at square one, building up balances at high APRs.

The Ascent's picks for best low interest credit cards:
Card Rating Great For…
Discover it® Balance Transfer Graphic of Discover it® Balance Transfer
Rating image, 5.0 out of 5 stars.
5.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Balance transfers and cash back

Citi Simplicity® Card - No Late Fees Ever Graphic of Citi Simplicity® Card - No Late Fees Ever
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Longest balance transfer offer

Chase Freedom® Graphic of Chase Freedom®
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Bonus cash rewards program

BankAmericard® credit card Graphic of BankAmericard® credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

No annual fee

Capital One® Quicksilver® Cash Rewards Credit Card Graphic of Capital One® Quicksilver® Cash Rewards Credit Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Unlimited cash back

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Bonus cash rewards

Citi® Double Cash Card – 18 month BT offer Graphic of Citi® Double Cash Card – 18 month BT offer
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Balance transfers and cash back

The Amex EveryDay® Credit Card from American Express Graphic of The Amex EveryDay® Credit Card from American Express
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

$0 intro balance transfer fee

Citi® Diamond Preferred® Card Graphic of Citi® Diamond Preferred® Card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Long intro 0% APR on purchases and balance transfers

Wells Fargo Platinum Visa card Graphic of Wells Fargo Platinum Visa card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Balance transfers and purchases

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