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You already know that credit cards can help you make purchases when you’re low on cash. You may even be savvy enough to take advantage of perks like rewards and cash-back offers. 

10 Secret Benefits of Credit Cards That You Need to Know About

You’re finally ready to upgrade your master bathroom, rehab your kitchen, or replace your leaking roof. The problem is, you don’t have enough cash to cover your home renovation project.

I’m making home renovations – should I get a loan or a credit card?

As much as we’d like to simply tell you the magic number of credit cards you should have in your wallet, it’s not that easy.

Is there such thing as too many credit cards?

Whether you lost track of your balance or you missed a payment, somehow you reached your credit card’s spending limit and sailed right on past it. So what happens now?

Oops, I went over my credit card limit. Now what?

From bill collectors to farmers market vendors, it seems like just about everyone accepts credit cards today. That’s why cold, hard cash can feel almost foreign.

Should I ever get a cash advance on my credit card?

The credit card debt spiral can happen more quickly than you might think: One day you’re obediently paying off your balance every month, and before you know it, you’re drowning in interest because you’ve fallen a bit behind on payments.

Should you accept a balance transfer credit card offer?

primary

No rewards program or cash back on purchases

: Since this card focuses primarily on helping you save money with lengthy low interest rates, you won't earn rewards on purchases

A Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum:

 This is standard for most balance transfer cards, but it's important to note that you will be charged a fee for balance transfers

Intro Balance Transfer APR

Intro Purchase APR

Regular APR

, from our partner Citibank, is a top pick for anyone looking to save money with a long intro APR on balance transfers. This card comes with an intro APR of 

. That lengthy intro period on balance transfers could potentially save you hundreds of dollars if you’re currently paying a high interest rate on another credit card.

 can come in handy if you need to make a big purchase and want to spread the payments out over a year with no interest. After the intro APRs, the ongoing interest rate will be 

. To top it off, the Citi Diamond Preferred charges no annual fee.

While this card doesn’t come with a dedicated rewards program on purchases, cardholders will enjoy access to Citi Entertainment® which offers special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. And as you use this card to pay down your balances, you can monitor your FICO® score online for free.

Escape high interest rates with extra-long 0% intro APR

Pay no annual fee and enjoy free access to your FICO® score online

Complimentary access to Citi Entertainment®

Current Offer

A top pick for people looking to save money on credit card interest. The 

, from our partner Citibank, is a no annual fee card that offers one of the longest 0% Intro APR available for purchases and balance transfers.

Citibank

0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater

Get free access to your FICO® Score online.

With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi® Diamond Preferred® Card

 0% for 18 months on Balance Transfers and purchases:

 Having almost two years of 0% interest could potentially save you thousands of dollars if you are transferring your balance from a high-interest credit card or if you need to make a big purchase and want to spread your payments our over time.

: Many of the top credit cards come with annual fees that cut into your savings – not here. Plus, you can easily track your FICO® score online as your pay down your balance.

: Being a cardholder gets you special access to tickets to thousands of events including concerts, sporting events, and more.

Get the Citi Diamond Preferred Credit Card and start saving money with low interest rates. Apply securely online today! | CompareCredit

Citi Diamond Preferred Credit Card Review | CompareCredit

 is focused on balance transfers it doesn't provide any intro APR on purchases.

Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum:

 Balance transfer fees can go up to 5% on other cards. So while a 3% fee is a downside, it's not as bad as some other cards out there with shorter periods of 0% Intro APR on Balance Transfers and higher fees.

Rewards Rate

Extra Perks

When it comes to no annual fee cash back cards, the 

, from our partner Citibank, is truly one of a kind. That's because this is the only card that allows you to earn cash back twice. Cardholders 

. There are no limits to how much cash back you can earn and your cash back won't expire.

 is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing.

This card even comes with a top-tier intro APR on balance transfers: 

. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges. After the intro period is up, the ongoing APR is 

. With the generous cash back rewards and the lengthy intro APR on balance transfers, the 

 is a great choice for almost any consumer.

With 2% cash back and a lengthy balance transfer intro rate, there is a lot to love with this card.

One of the best flat-rate cash back offers available

Extra-long intro APR on balance transfers

No annual fee and $0 liability on unauthorized charges

The Citi® Double Cash Card is one of the most rewarding cash back credit cards with no annual fee. If offers unlimited cash back and comes with one of the longest 0% Intro APR for balance transfers available.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

To earn cash back, pay at least the minimum due on time.

Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi® Double Cash Card – 18 month BT offer

One of the best flat-rate cash back offers available:

 Most credit cards that offer a flat cash back rate on every purchase either offer 1.5% or 1.0%. With the 

Extra-long intro APR on balance transfers:

 Most credit cards that offer 0% Intro APR on balance transfers (which not many do) only offer it for a 6 to 12 months. with the 

No annual fee and $0 liability on unauthorized charges:

 offer comes with no annual fee and offers you peace of mind knowing that you will not be liable for any unauthorized charges that may occur, if any do, while your account is active.

Get the Citi Double Cash Credit Card and start earning cash back on every purchase. Apply securely online today! | CompareCredit

Citi Double Cash Credit Card Review | CompareCredit

Bonus Cash

Intro APR

If you're looking for a powerful cash back credit card that gives you everything you need in one piece of plastic, look no further than the 

. This card comes with both a stellar combo of unlimited cash back on every purchase and a lengthy 0% intro APR.

 with no restrictions. That means whether you're spending on groceries, shopping, dining out, or just paying monthly bills, you'll always earn the same rewarding cash back rate – no confusing categories and no spending caps! As a new cardholder, you even earn 

In addition to the cash back rewards this card offers low interest rates: 

 a top choice for a low interest card AND you'll enjoy the cash back on purchases. The ongoing APR is 

. To top it off, all of these perks and benefits are included with no annual fee.

Some cards offer more than 1.5% cash back, although they typically come with restrictions

Earning cash back has never been easier. Get unlimited 

 with no restrictions and no rotating categories.

Unlimited 1.5% cash back on purchases with no restrictions, confusing categories or spending caps

No annual fee, no foreign transaction fees, an no minimums for redeeming cash back

Cash Back Details

Capital One

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Earn unlimited 1.5% cash back on every purchase, every day

No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that

0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Pay no annual fee or foreign transaction fees

Capital One Quicksilver Cash Rewards Credit Card

Get the Capital One Quicksilver Cash Rewards Credit Card and start earning cash back on every purchase. Apply securely online today! | CompareCredit

Capital One Quicksilver Cash Rewards Credit Card Review | CompareCredit

 with no restrictions. That means whether your spending on groceries, shopping, dining out, or just paying monthly bills, you'll always earn the same rewarding cash back rate – no confusing categories and no spending caps! As a new cardholder, you even earn 

 a top choice for a low interest AND you'll enjoy the cash back on purchases. The ongoing APR is 