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Best 0% and Low Interest Credit Cards 2016


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Best 0% and Low Interest Credit Cards 2016

A low interest credit card can come in handy when you have credit card debt or are looking to make a big purchase.

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These are the top 0% and low interest credit cards 2016.

Best for Balance Transfers

Chase Slate

The Chase Slate has a 0 annual fee as well as no balance transfer fee for the first 60 days. The Chase Slate also offers a 0% interest APR on purchases and balance transfers for a period of time.

The Chase Slate is a great card to reduce debt and also make large purchases.

Longest 0% APR Period

Citi Simplicity Card

The Citi Simplicity Card offers a $0 annual fee for a certain period of time. You will need to pay for balance transfers, which range from $3 to $5. However, there is a 0% intro APR for 21 months that applies to balance transfers and purchases.

This is a great card to help pay off your debt. The card is also more forgiving, as there are no penalty APRs or late fees.

Best for Sign Up Bonus

Chase Freedom

With the Chase Freedom, you can earn a $150 bonus once you have spent $500 in the first 3 months from opening your account. There is an introductory APR of 0% for the first 15 months on balance transfers and purchases. There is also a $0 annual fee. You will also receive 5% cash back on quarterly bonus categories for up to $1500 in spending per quarter and 1% back on everything else.

Best for Rewards

Citi Double Cash Card

The Citi Double Cash Card offers an intro APR of 0% for the first 18 months on balance transfers. You will also be able to earn 1% cash back on purchases and another 1% once you have paid these off. There is a $0 annual fee.

Best for Low Fees

Discover It

With the Discover It card, you will receive a $0 annual fee as well an intro APR of 0% on purchases for the first 6 months and they offer 0% on balance transfers for 18 months. You will also receive 5% cash back on rotating categories for up to $1500 spent per quarter as well as 1% back on other spending. There is balance transfer fee of 3%.


Top Balance Transfer Credit Card Offers


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Top Balance Transfer Credit Card Offers

If you have a high interest debt, you do have the option of moving this to a balance transfer card that will offer an interest free promotional period, giving you time to pay off the balance with no interest.balance transfers

Here is a look at the top balance transfer credit cards.

Best $0 Intro Transfer Fee – Chase Slate

This card offers an introductory balance transfer fee of $0 for transfers in the first 60 days. There is a 0% annual fee, a 0% intro APR for 15 months on balance transfers and purchases.

The Benefits

The Drawbacks

Longest 0% APR Period – Citi Simplicity Card

There is a $0 annual fee. The intro APR is 0% for 21 months on balance transfers and purchases.

The Benefits

The Drawbacks

Best Sign Up Bonus – Discover It

With this card you can double your cash back in the first year. Earn 5% back on rotating categories for up to $1500 in quarterly purchases and 1% back on everything back. The annual fee is $0. There is a 0% APR introductory period on purchases for 6 months and 0% on balance transfers for 18 months.

The Benefits

The Drawbacks


Best Credit Cards for January 2016


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Best Credit Cards for January 2016

Here is a look at the best credit cards for January 2016.

Top Balance Transfer Credit Card – Chase Slate

This credit card has a $0 introductory balance transfer fee for transfers made in the first 60 days. There is a 0% introductory APR for 15 months on purchases and balance transfers. There is no penalty APR, which means that paying late wont raise your interest rate. There is a $0 annual fee and a free monthly FICO Score and Credit dashboard.

Top Travel & Airline Credit Card – Chase Sapphire Preferred Card

With this credit card you are able to earn 50 000 bonus points when you spend $4000 on purchases in the first 3 months from opening

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the account. You can earn 2 times the points on dining and travel and 1 point for every dollar spent on other purchases. You can earn 5000 bonus points once you add your first authorised user and make a purchase in the first 3 months. There is a $0 foreign transaction fees. There is an introductory annual fee of $0 the first year and then $95.

Top Rewards Credit Card – Chase Freedom

You can earn $150 bonus after you have spent $500 on purchases within the first 3 months from when you have opened the account. You are able to earn another $25 bonus after you have added your first authorised user and make a purchase in the same 3-month period. There is a 0% intro APR for 15 months on balance transfers and purchases. You are able to earn 5% cash back for up to $1500 in combined purchases in bonus categories each quarter you activate. You can enjoy 5% categories every 3 months. There is unlimited 1% cash back on all other purchases. There is no annual fee and as long as your account is open the cash back rewards won’t expire.

Top 0% APR Credit Card – Citi Simplicity Card

In the first 21 months there is a 0% intro APR on purchases and balance transfers. The balance transfer fee is $5 or 3% of the amount that is transferred. There are no late fees, penalty rate and annual fee.

Top Cash Back Credit Card – Citi Double Cash Card

This is the only card that earns you cash back twice on every purchase with an unlimited 1% cash back as well as 1% cash back as you pay for the purchases. There is a 0% intro APR on purchases and balance transfers for 15 months. The balance transfer fee is 3% or $5 of the amount of each transfer. There are no caps, category restrictions, no enrolments in rotating categories and no annual fee.

Top No Annual Fee Credit Card – Capital One VentureOne Rewards Credit Card

With this card you can enjoy a one time bonus of 20 000 miles once you spend $1000 on purchases in the first 3 months. You can earn unlimited 1.25 miles per dollar on every purchase. You can enjoy a low intro APR on purchase. You can travel when you wan. There are no foreign transaction fees and the miles do not expire.

Top Points Rewards Credit Card – Citi ThankYou Premier Card

You can earn 50 000 bonus ThankYou points after $3000 in purchases in the first 3 months after opening the account. This can be redeemed for $500 in gift cards, $625 for airfare or other rewards. You can earn 3 times ThankYou Points on gas and travel, 2 times ThankYou points on entertainment and dining out and 1 times ThankYou points on other purchases. There are no foreign transaction fees on purchases. The points do not expire and the annual is 0 in the first 12 months and there after is $95.

Top Gas Card Offer – BankAmericard Cash Rewards Credit Card

This card has no annual fee. There is a $100 online cash rewards bonus after you spend $500 on purchases in the first 90 days after opening the account. You can earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas for up to $1500. There is a 0% introductory APR for 12 billing cycles for purchases and for balance transfers made in the first 60 days. You will receive a 10% customer bonus when you redeem your cash back into Bank of America.

Top Low Interest Credit Card Offer – Citi Diamond Preferred Card

With this credit card you get a 0% intro APR on purchases and balance transfers for 21 months. The balance transfer fee is $5 or 3% of the amount of each transfer. You have access to Citi Easy Deals as you earn points for the purchases that you make. Points can be redeemed for online deals, local deals and gift cards. This credit card has no annual fee.


Top 3 Credit Card Offers in September


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Here is a look at the top 3 credit card offers for September 2015. Post sponsored by South African Personal Loans

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card will give you a $500 sign up bonus for travel. In the first 3 months from opening your account you can earn 40 000 bonus points when you spend $4000 on purchases.

You will be able to earn 5000 bonus points after you add your first authorized user and make purchases in the first 3 months of opening the account.

You will earn 2 times your points on dining and travel and 1 point per every dollar spent on other purchases.

The card is also chip enabled for better security.

There is a 1 to 1 point transfer for leading frequent travel programs so 1000 points is 1000 miles or points.

Chase Slate

chase slate

The Chase Slate offers over a year of 0% APR with no balance transfer fees.

There is a $0 introductory balance transfer fee for transfers that are made in the first 60 days.

There is the new free monthly FICO Score and Credit Dashboard.

There is no penalty APR and a $0 annual fee.

BankAmericard Travel Rewards Credit Card

You will earn travel rewards with no annual fee or foreign transaction fees.

You will be able to earn 1.5 points for every dollar that is spent on purchases. There is no annual fee and no foreign transaction fees.

You can earn 20 000 online bonus points if you make at least $1000 in purchases in the first 90 days.

Points can be redeemed for hotels, flights, vacation packages, car hire, cruises and baggage fees.

The card has the new chip technology for better security.

There is a 0% introductory APR for 12 billing cycles for purchases.


Top 5 Credit Cards for Travel Rewards


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Here are some of the best credit card offers for travel rewards that are currently running.

Platinum Card from American Express

This card comes with various benefits which include:

The annual fee is $450. But even though this fee is one of the highest on the market it has several perks and by maximizing benefits like the $200 annual airline rebate, lounge access, Fine Hotels & Resorts perks and credits, and Global Entry or TSA Pre-Check fee refunds, you’ll come out way ahead.

US Airways Premier World MasterCard

The current bonus on this card is 50 000 dividend miles after the first purchase or balance transfer in the first 90 days and payment of annual fee.

The benefits of this card are:

The annual fee is $89.

Ink Plus

The current bonus is 50 000 points after spending $5000 in the first 3 months.

The benefits of this card are:

The annual fee is $95 which is waived in the first year.

This business card is full of benefits including the 5x and 2x category spending bonuses, the ability to earn points that you are able to transfer to any of Chase’s 11 travel partners.

British Airways Visa Signature Card

british airways

The current bonus is 50 000 Avios after spending $2000 in the first 3 months.

The benefits include:

The annual fee is $95 which is waived for the first year.


Best Credit Card Offer for October 2014


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Here is a look at the best credit card offers according to different categories.

Cash Back Credit Card Offer

Capital One, Quicksilver Cash Rewards Credit Card

Features:

Top Reward Credit Card Offer

Capital One, Venture, Rewards Credit Card

Features:

Top Low Interest Credit Card Offer

Discover it

Features:

Top Business Credit Card Offer

Capital One, Spark Cash for Business

Features:

Top Gas Card

BankAmericard Cash Rewards Credit Card

Features:

Top Cards for Bad Credit Offer

Capital One, Secured MasterCard

Features:

Top student Credit Card Offer

Citi ThankYoui, Preferred Card for College Students

Features:


Get Instant Credit Card Offers


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A simple site dedicated to providing offers on the best credit card offers on the web instantly.You can find multiple credit card offers on this page (still to come) and make the best decision for you and your family. Choosing a credit card is simple but important. Choose a card that suites your finance lifestyle. Think about how much cash you make, spend and what you’d like to use the credit card for. Don’t just got with the card that offers the lowest rates as this could have you spending fees on other items.

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