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Can you help me find a card with 0 percent annual fee that accepts bad credit?
No one can help you get a 0% credit card with bad credit. There aren’t any. Zero annual fee cards are another story. There are a bunch of secured cards with no annual fee - Capital One, Discover, Citi..
The Citi Double Cash card is the best for balance transfers. 12 months with 0% interest gives you a ton of time to pay off debt without accruing additional interest. It's a great card for getting your finances in order.
On top of that, you'll get 2% cash back on all purchases with 0% APR on purchases during the same 12 month period. Citi is basically paying you for using their card during this 12 month introductory period. This is easily the best card out there.
I have the Capital One Quicksilver Cash Rewards Credit Card, and I love it. It has a 0% APR for a while, and even once the promotion ends, the APR will be somewhere around 4% so it will continue to be low. I really enjoy this card, I was on the fence for a while but I am very glad I chose this card.
When I opened my Capital One Platinum Prestige credit card, there was promotional deal I got which offered 0% APR on purchase and balance transfers. It was fantastic having these perks, and even after the deal ended, my APR continues to be low. I make many day to day charges on this card.
I've used the Citi Diamond Preferred Card with 0% intro APR for 18 months. One thing I would change is to extend this 0% APR longer. That would be nice.
I have a Chase Freedom card and I really like it. There is 0% interest until August 2015. I love the cash back and the different categories. I also linked it to my checking account so it is easy and simple to pay every month. It really has helped my credit score and helped me with budgeting. The only downside is that you have to sign up each quarter to get the new bonus categories. I think it should be automatic.
I actually have a Capital One Quicksilver Cash Rewards Credit Card and I love it. I use it to make purchases for items that I know I can pay, but do so because it helps me with my credit. I love the fact that it has a 0% fee on APR. For somebody like me, it works perfectly. But then again, I also pay all my bills on time anyway.
I have been using the Kroger 1-2-3 Rewards Visa card primarily because my family and I shop at Kroger frequently, and we are able to use it to take advantage of Kroger's deals, without having a separate customer loyalty card. I really only use it to buy groceries and little else, but it's fine for that and it's a great way to keep my credit inching upward.
I took advantage of Citi Bank's 0% introductory offer and have had a great experience with the company. I originally thought the terms included a six month introductory period, but it actually turned out to be 12 months. I was very pleased when I learned this. The card offered a small credit limit, which I preferred over some of the other companies that offer more credit than a person should have. The statements come on time and are consistent. During the introductory period, there of course, was no interest charged at all, regardless of the balance. The minimum payments also remain low during this introductory period. I recently looked into their reward program and found that it mostly offered discounts rather than free products. I was a little disappointed with that, however the benefits have been great overall.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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