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Consumer Credit Cards
Compare over 100 credit cards to find the exact one that meets your needs. Choose rewards from cash back to travel to shopping to rebates on gasoline. Most cards have no annual fee and many offer 0% on purchases or balance transfers for up to a year.

All cards are rated by MyRatePlan based on our opinion of the overall value of the offer, factoring in the costs of the card (rates & fees) vs. the card's rewards.
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No Annual Fee
  Card Introductory Offers
0% on Purchases
0% on Balance Transfers
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We Found 64 Cards       List View   Image View
Compare Cards: Check up to 8 cards and click  

Citi CashReturnsSM Card
0% on balance transfers* for up to 12 months.

APR: As low as 9.74% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
Earn up to 6% Cash Back on purchases; a full 1% on every purchase PLUS an average 5% add'l cash back at 400 retailers within the Citi Bonus Cash Center. Earn a 20% bonus on the cash back earned for all purchases for the first 12 months. Cash back checks sent automatically when you earn $50.
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Bank of America® Accelerated
Cash RewardsTM American Express® Card
0% on balance transfers for 15 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
Earn cash rewards of 1.25% for every $1 in new net retail purchase transactions. Cash rewards available in a check, statement credit or direct deposit in increments of $50. No cap on dollar redemption, no limit to how much you can earn.
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Capital One®
No Hassle MilesSM Rewards
- Excellent Credit
0% on purchases until October, 2009

APR: 9.90% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases. No expiration date on miles and no limit on the miles you can earn. No blackout dates or seat restrictions.
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Capital One®
Platinum Prestige
0% on purchases & balance transfers until October, 2009

APR: 8.90% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
Save with a 0% intro APR on purchases and balance transfers. Save time and money by transferring higher-rate balances so you can make on easy payment each month.
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Discover® MoreSM Card
0% Intro APR* on purchases & balance transfers for 12 months

APR: As low as 10.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more. Up to 1% Cashback Bonus on all other purchases automatically.
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Miles by Discover® Card
0% Intro APR* on purchases & balance transfers for 6 months

APR: As low as 10.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
Book travel through any airline, travel agent or online travel site. Double miles on up to $3,000 in travel & restaurant purchases each year; 1 mile per $1 on all other purchases. Unlimited miles that never expire as long as you use your card.
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Capital One®
No Hassle MilesSM Rewards
Credit Card
0% on purchases until October, 2009

APR: 9.90% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOn
Earn 2 miles for every dollar of monthly spending above $1,000; 1 mile per $1 spent on all other purchases. No blackout dates and no seat restrictions. No expiration date on miles and no limit on the miles you can earn.
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AT&T Universal Savings
Platinum Card
0% on balance transfers for up to 12 months

APR: As low as 7.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnHalf
Save 10% on eligible AT&T products & services for the first 12 months; 5% thereafter.
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AT&T Universal Savings
& Rewards Card
0% on balance transfers for up to 12 months.

APR: As low as 8.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnHalf
Save 10% on eligible AT&T products & services for first 12 months. Earn points for great rewards thru ThankYou Network.
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Bank of America® Accelerated
RewardsTM American Express® Card
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnHalf
Earn rewards faster with 1.25 points for every net retail purchase dollar. Redeem your points for travel with no blackout dates, discounts at hotels, cash, merchandise or gift certificates.
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Bank of America Visa
Signature® with WorldPointsTM Rewards
0% on balance transfers for 15 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnHalf
$25 statement credit*. Earn WorldPoints® per dollar of purchases. Use for cash, shopping or travel. Card issued by FIA Card Services, NA.
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Bank of America Cash Rewards
Platinum Plus® MasterCard® Credit Card
0% on balance transfers for 15 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnHalf
Earn 1% cash back on all purchases with no limit to how much you can earn. Card issued by FIA Card Services, NA.
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Capital One®
No Hassle PointsSM Rewards
- Excellent Credit
0% on purchases until October, 2009

APR: 9.90% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnHalf
Earn 2 points per dollar spent at gas stations, major grocery and drug stores; 1 point for every dollar spent on other purchases. There is no limit on the points you can earn and your points won't expire.
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Citi® Platinum
Select® Card
0% on purchases & balance transfers* for up to 12 months.

APR: As low as 7.49% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
One of the best overall credit card offers on the market for those seeking a low interest rate -- both introductory and ongoing.
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Citi® Diamond Preferred® Card
0% on purchases & balance transfers* for up to 12 months

APR: As low as 7.74% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
One of the lowest interest rates currently available after the introductory period. Your first year has 0% interest on purchases and balance transfers.
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Bank of America WorldPointsTM
PlatinumPlus® MasterCard®
Credit Card
0% on balance transfers for 15 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Earn 1 point for every dollar you spend in net retail purchases. Points are redeemable for cash, brand name merchandise or travel with no blackout dates. Card issued by FIA Card Services, NA.
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Brighter PlanetTM
Visa® Credit Card
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Earn points to help build renewable energy projects. 1 EarthSmart point for each $1 spent. 1,000 bonus points with first transaction (equal to about 1 ton of carbon offsets) . Card issued by FIA Card Services, N.A.
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Home AdvantageTM World
MasterCard® Credit Card
with WorldPoints® Rewards
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Earn double points on purchases at home improvement stores including Lowe's and Home Depot for 12 months; 1 point thereafter & 1 point for other net retail purchases. Redeem for cash, travel and more. Card issued by FIA Card Services, NA.
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The Rainbow Card® Platinum
Plus® Visa® Card
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
For every purchase made, Bank of America will make a donation to the Rainbow Endowment, supporting GLBT issues. Earn 1 point for every net retail dollar spent. Redeem points for travel and more. Card issued by FIA Card Services, NA.
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Capital One®
No Hassle MilesSM
Ultra - for Professionals
0% on purchases until October, 2009

APR: 9.90% Variable
Annual Fee: $39
  Our Rating:   OnOnOnOnOff
Earn double miles - 2 miles per dollar spent on all purchases. No blackout dates or seat restrictions. No expiration date on miles and no limit on the miles you can earn.
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Capital One®
No Hassle MilesSM
Rewards for Travel & Gas
0% on purchases until October, 2009

APR: 9.90% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
More miles - Earn 3 miles per dollar spent on travel and gas purchases. Earn 1 mile per dollar for all other purchases. Unrestricted travel: Fly any airline anytime, anywhere, with no blackout dates and no seat restrictions.
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Citi® Diamond Preferred®
Rewards Card
0% on balance transfers* for up to 12 months.

APR: As low as 10.24% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Free rewards program -- 1 point per dollar spent, except 5 points at supermarkets, drugstores and gas stations for 12 months.
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Discover® Open RoadSM Card
0% Intro APR* on purchases for up to 6 months & balance transfers for up to 12 months

APR: As low as 10.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Full 5% Cashback Bonus® on gas and auto maintenance purchases*. Up to 1% Cashback Bonus on all other purchases automatically.* Unlimited cash rewards that never expire.
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Citi® Premier PassSM
0% on balance transfers* for up to 12 months

APR: As low as 10.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
10,000 bonus points after $300 in purchases made within 3 months of account opening. Get one point for each dollar spent and one point for every three miles flown. Points redeemable for flights on any airline with no blackout dates.
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Clear from American Express®
0% interest on purchases for up to 12 months; 3.99% on balance transfers for 12 months

APR: As low as 11.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
A true no fee card: no annual fee, no late fees, no overlimit fees, no balance transfer fees, no cash advance fees. Get a $25 American Express shopping card when you spend $2,500.
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Capital One®
Platinum Prestige
0% on purchases & balance transfers until October, 2009

APR: 8.90% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Save with a 0% intro APR on purchases and balance transfers. Save time and money by transferring higher-rate balances so you can make on easy payment each month.
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Blue from
American Express®
0% interest on purchases for up to 12 months; 2.99% on balance transfers for 12 months

APR: As low as 10.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnOnOff
Participate in Membership Rewards Expresssm. Earn one point for every dollar you spend on your Blue card. Low interest rate for those with excellent credit.
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American Express®
Platinum Card
Charge card; no introductory rates

APR: N/A: Charge Card
Annual Fee: $450
  Our Rating:   OnOnOnOnOff
Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in your first 3 months of membership. Complimentary airport club access worldwide. 24-hour access to Concierge service.
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Elite Rewards®
World MasterCard®
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnHalfOff
Earn one point for each $1 in net retail purchases; double points at participating merchants. 500 bonus points after first qualifying purchase. Fly on major U.S. airlines with no blackout dates. Card issued by FIA Card Services, NA.
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Bank of America World
MasterCard® with WorldPointsTM
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnHalfOff
Earn WorldPoints® per dollar of purchases. Use for cash, shopping or travel. Card issued by FIA Card Services, NA.
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Bank of America WorldPointsTM
PlatinumPlus® Visa® Credit Card
0% on balance transfers for 12 months

APR: Click for Details
Annual Fee: $0
  Our Rating:   OnOnOnHalfOff
Earn 1 point for every dollar you spend in net retail purchases. Points are redeemable for cash, brand name merchandise or travel with no blackout dates. Card issued by FIA Card Services, NA.
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Discover® MoreSM Card
- American Flag
0% Intro APR* on purchases & balance transfers for 12 months

APR: As low as 10.99% Variable
Annual Fee: $0
  Our Rating:   OnOnOnHalfOff
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more. Up to 1% Cashback Bonus on all other purchases automatically.
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