Best Credit Card Rates

Why We Like It: The Wells Fargo Reflect card has the best credit card rates right now, offering introductory APRs of 0% for 21 months from account opening on new purchases and 0% for 21 months from account opening on qualifying balance transfers. That’s much longer than average for both types of transactions. The card also has a $0 annual fee.

What We Don’t Like: There’s a balance transfer fee of 5% (min $5), and the regular APR is 18.24% - 29.99% Variable, depending on your overall creditworthiness. That rate applies if you carry a balance from month to month after the interest-free introductory period ends. The Wells Fargo Reflect card does not reward cardholders for making purchases, either. That shouldn’t be a deal breaker, though. You could always get Wells Fargo Reflect to save on interest and use a rewards card for everyday purchases.

Who Should Get It: Consider applying for Wells Fargo Reflect if you have good credit or better and want to save on interest charges.

Why We Like It: The BankAmericard® credit card offers an introductory APR of 0% for 18 billing cycles on new purchases, plus 0% for 18 billing cycles for any balance transfers made in the first 60 days. The BankAmericard credit card also comes with a $0 annual fee.

What We Don’t Like: This card charges a balance transfer fee of 3%, and it doesn’t reward you for making purchases.

Who Should Get It: Consider applying for the BankAmericard credit card if you have a 750+ credit score and want a low introductory APR that lasts for a very long time.

Why We Like It: The U.S. Bank Visa® Platinum Card offers some of the best credit card rates available right now, giving introductory APRs of 0% for 18 billing cycles on purchases and balance transfers to applicants with good or excellent credit. The U.S. Bank Visa® Platinum Card also has a $0 annual fee.

What We Don’t Like: The U.S. Bank Platinum Card’s regular APR range is above-average for people with good-to-excellent credit. You don’t want to overlook the card’s balance transfer fee of 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*, either, for similar reasons. It’s also wise to combine the U.S. Bank Platinum credit card with a rewards card to use for everyday spending that won’t lead to a balance at the end of the month, given the Platinum card’s lack of rewards.

Who Should Get It: Consider applying for U.S. Bank Platinum if you have a credit score of 700+ and could use 18 billing cycles without interest charges.

Why We Like It: The CoreFirst Bank & Trust Visa Platinum Card card offers introductory rates of 1.9% for 6 months on purchases and 1.9% for 6 months on balance transfers. And that’s not even the best part. The CoreFirst Bank & Trust Visa Platinum Card’s regular APR is just 11.75% (V). For comparison purposes, the average credit card offer has a regular APR of 22.9%, and the average among cards for people with excellent credit is 18.01%. The CoreFirst Platinum Card has a $0 annual fee.

What We Don’t Like: There is a 3% (max $50) balance transfer fee and only modest rewards.

Who Should Get It: Consider applying for the CoreFirst Bank & Trust Visa Platinum Card if you have excellent credit and you want low rates for longer than a 0% credit card can accommodate.

Why We Like It: The Fifth Third 1% Cash/Back Card is on the podium for the best 0% APR credit cards available right now. It offers intro APRs of 0% for 15 months on new purchases and 0% for 15 months on balance transfers. That’s several months longer than the average 0% card will give you.

The Fifth Third 1% Cash/Back Card also has a $0 annual fee and good rewards. Cardholders earn unlimited 1% cash back on all purchases.

What We Don’t Like: The least competitive aspects of this offer are the card’s balance transfer fee – 4% (min $5) – and its regular APR: 20.24% - 29.99% (V).

Who Should Get It: Consider applying for the Fifth Third 1% Cash/Back Card if you have a credit score of 750 or higher and you want to minimize the cost of debt while earning rewards on purchases.

Why We Like It: The Wells Fargo Reflect card has the best credit card rates right now, offering introductory APRs of 0% for 21 months from account opening on new purchases and 0% for 21 months from account opening on qualifying balance transfers. That’s much longer than average for both types of transactions. The card also has a $0 annual fee.

What We Don’t Like: There’s a balance transfer fee of 5% (min $5), and the regular APR is 18.24% - 29.99% Variable, depending on your overall creditworthiness. That rate applies if you carry a balance from month to month after the interest-free introductory period ends. The Wells Fargo Reflect card does not reward cardholders for making purchases, either. That shouldn’t be a deal breaker, though. You could always get Wells Fargo Reflect to save on interest and use a rewards card for everyday purchases.

Who Should Get It: Consider applying for Wells Fargo Reflect if you have good credit or better and want to save on interest charges.

Why We Like It: The Citi® Diamond Preferred® Card is one of 2024’s top 0% APR credit card offers, thanks to introductory rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The average balance transfer card offers a 0% APR for just 13 months. Plus, Citi Diamond Preferred has a $0 annual fee.

What We Don’t Like: This card has a regular APR of 18.24% - 28.99% (V), depending on your overall creditworthiness when you apply. There’s also a balance transfer fee of 5% (min $5).

Who Should Get It: Consider applying for Citi Diamond Preferred if you have good credit or better and it will reduce the cost of a balance you’re carrying on another card.

Why We Like It: The U.S. Bank Visa® Platinum Card offers some of the best credit card rates available right now, giving introductory APRs of 0% for 18 billing cycles on purchases and balance transfers to applicants with good or excellent credit. The U.S. Bank Visa® Platinum Card also has a $0 annual fee.

What We Don’t Like: The U.S. Bank Platinum Card’s regular APR range is above-average for people with good-to-excellent credit. You don’t want to overlook the card’s balance transfer fee of 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*, either, for similar reasons. It’s also wise to combine the U.S. Bank Platinum credit card with a rewards card to use for everyday spending that won’t lead to a balance at the end of the month, given the Platinum card’s lack of rewards.

Who Should Get It: Consider applying for U.S. Bank Platinum if you have a credit score of 700+ and could use 18 billing cycles without interest charges.

Why We Like It: The Fifth Third 1% Cash/Back Card is on the podium for the best 0% APR credit cards available right now. It offers intro APRs of 0% for 15 months on new purchases and 0% for 15 months on balance transfers. That’s several months longer than the average 0% card will give you.

The Fifth Third 1% Cash/Back Card also has a $0 annual fee and good rewards. Cardholders earn unlimited 1% cash back on all purchases.

What We Don’t Like: The least competitive aspects of this offer are the card’s balance transfer fee – 4% (min $5) – and its regular APR: 20.24% - 29.99% (V).

Who Should Get It: Consider applying for the Fifth Third 1% Cash/Back Card if you have a credit score of 750 or higher and you want to minimize the cost of debt while earning rewards on purchases.

Why We Like It: The First Hawaiian Bank Heritage Credit Card offers an introductory APR of 2.99% for 8 months on purchases and balance transfers. Its 18% (V) regular APR also is lower than the average among credit card offers right now.  

In addition, the First Hawaiian Bank Heritage Credit Card has a $0 annual fee and reports to the major credit bureaus each month. It also accepts applicants with limited or no credit history. 

What We Don’t Like: The First Hawaiian Bank Heritage Credit Card has a balance transfer fee of 5% (min $5), and its regular APR could be lower. 

Who Should Get It: Consider applying for the First Hawaiian Bank Heritage Credit Card if you’re new to credit and wish to save on interest costs. Paying this card’s bill on time every month can also help you build the credit history needed to one day qualify for a card with a lower interest rate.
 

Why We Like It: The Credit One Bank® Platinum Visa® for Rebuilding Credit is the best unsecured credit card for people with bad credit who need what amounts to a small emergency loan. Cardholders receive a $300+ initial credit limit.

What We Don’t Like: The card has an annual fee of $75 the first year and $99 after. Plus, this card does not have a low APR.

Who Should Get It: This offer could help some people who are in a bind financially. But if it’s not an emergency, you’re better off placing a refundable deposit on a secured credit card.

Why We Like It: The Applied Bank® Secured Visa® Gold Preferred® Credit Card comes with a regular APR of 9.99%, which is the lowest APR available to people with bad credit right now. 

What We Don’t Like: The minimum security deposit for this card is $200. The card has a $48 annual fee.

Who Should Get It: Consider applying for the Applied Bank® Secured Visa® Gold Preferred® Credit Card if you wish to rebuild your damaged credit.

Why We Like It: Discover it® Student Chrome offers an introductory APR of 0% for 6 months on new purchases. Discover it Student Chrome also comes with a $0 annual fee.

What We Don’t Like: This card’s low rates don’t last, as it has a high regular APR – 18.24% - 27.24% Variable.

Who Should Get It: Students looking to avoid interest charges for a limited time should consider applying for Discover it Student Chrome.

Why We Like It: The U.S. Bank Business Platinum Card offers an introductory APR of 0% for 18 billing cycles on new purchases and balance transfers. It also comes with a $0 annual fee.

What We Don’t Like: This card charges a balance transfer fee of 3% (min $5), and it doesn’t reward you for making purchases. Plus, its regular APR isn’t the lowest.

Who Should Get It: Consider applying for the U.S. Bank Business Platinum Card if you’re a small business owner with a 700+ credit score who wants a low introductory APR that lasts for a very long time.