The Capital OneÂ® QuicksilverÂ® Card – 0% Intro APR for 15 Months (after, 14.74% – 24.74% (Variable) APR) is a decent $0 annual fee card that offers a cashback program and the opportunity to get out of debt. This card also provides great Visa SignatureÂ® perks, such as access to exclusive shopping discounts, lost luggage reimbursement, and perks at over 900 luxury hotels. However, you can find cards with better balance transfer offers and more robust cashback programs â€” many with no annual fee.
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The Capital OneÂ® QuicksilverÂ® Card – 0% Intro APR for 15 Months offers 0% intro on balance transfers for 15 months and 0% intro on purchases for 15 months. After the intro periods, 14.74% – 24.74% (Variable) APR applies. This is an average length intro period and can provide you with the opportunity to rid yourself of existing debt and possibly avoid falling into new debt.
However, be aware that there is a typical 3% balance transfer fee. This fee is often outweighed by the amount you save by transferring a balance from a high-interest card to a card offering an intro 0% period â€” but if you want to increase your savings, check out no-fee balance transfer cards.
This card offers a subpar 1.5% cash back on every purchase, every day. We generally recommend cards that offer at least 2% cash back. However, there is a decent new cardmember offer: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Cash back can conveniently be redeemed for any amount at any time. Redemption options include a statement credit or check with the option to set up automatic redemption at a set time each year or when a specific threshold ($25, $50, $100 or $200) is met. Other redemption options include for previous purchases, gift cards, and more.
While a balance transfer can be a great way to get out of debt, there are a few key terms you should familiarize yourself with prior to completing your transfer:
The CitiÂ® Double Cash Card â€“ 18 month BT offer is consistently our top pick for a flat-rate cashback card. You can earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. Thatâ€™s compared to the 1.5% cash back on every purchase, every day you earn with the Capital OneÂ® QuicksilverÂ® Card – 0% Intro APR for 15 Months (after, 14.74% – 24.74% (Variable) APR). Plus the balance transfer offer is longer with an intro 0% for 18 months on Balance Transfers* (after, 15.24% – 25.24%* (Variable) APR). Additional perks of the CitiÂ® Double Cash Card â€“ 18 month BT offer include CitiÂ® Price Rewind where you can register eligible items and Citi will conduct a 60-day search for a lower price, potentially crediting you for the difference if a lower price is found (up to $200 back per item, and up to $1,000 per year). CitiÂ® Private PassÂ® also provides exclusive access to entertainment events.
If youâ€™re looking to transfer a balance or pay for new purchases over time, The Amex EveryDayÂ® Credit Card from American Express is a comprehensive card that can provide you with numerous benefits. There is an intro 0% for 15 Months on purchases and an intro 0% for 15 Months on balance transfers (after, 14.74%-25.74% Variable APR). This card also provides a great $0 balance transfer fee. On top of that, you can earn rewards on new purchases with 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. Other cardmember perks include travel insurance, exclusive entertainment access, free two-day shipping at select merchants with ShopRunner, and more. Terms apply.
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