Low interest credit cards
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CK Editors’ Tips††: If you carry a credit card balance from month to month, a low-interest card can help you manage interest payments. Whether you use an introductory 0% APR offer for purchases or balance transfers, these cards offer an opportunity for flexibility and relief.Read more
What to consider when choosing a low-interest credit card
Low-interest credit cards with introductory APR offers can be powerful tools in your credit journey, but they come with risks. Focus on cards with introductory APR periods long enough to allow you to manage your interest effectively. We also strongly recommend reading the full terms and conditions of your card offer because you might lose your 0% introductory rate if you make a late payment. Also, consider your credit before applying — most 0% APR cards require good to excellent credit for approval.
Low-interest credit cards with introductory APR offers can be powerful tools in your credit journey, but they come with risks. Focus on cards with introductory APR periods long enough to allow you to manage your interest effectively. We also strongly recommend reading the full terms and conditions of your card offer because you might lose your 0% introductory rate if you make a late payment. Also, consider your credit before applying — most 0% APR cards require good to excellent credit for approval.
How we picked the best low-interest credit cards
When picking the best low-interest credit cards, we focused on cards that featured relatively long 0% introductory APR offers on purchases and balance transfers. While you may also be interested in cards with potentially low ongoing purchase APRs, there is no guarantee issuers will approve you for their cards’ lowest possible rates, even if you have excellent credit. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWhen picking the best low-interest credit cards, we focused on cards that featured relatively long 0% introductory APR offers on purchases and balance transfers. While you may also be interested in cards with potentially low ongoing purchase APRs, there is no guarantee issuers will approve you for their cards’ lowest possible rates, even if you have excellent credit. Read more about our methodology for picking the best credit cards.
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Intro purchase APR
0%* for 15 monthsRegular purchase APR
19.49% - 29.49% (Variable)Annual fee
$0
Intro purchase APR
0%* for 15 months
Regular purchase APR
19.49% - 29.49% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
18.49% - 29.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
18.49% - 29.24%* Variable
Annual fee
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
17.99% - 27.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 15 Months
Regular purchase APR
17.99% - 27.99%* Variable
Annual fee
$0
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.49% - 28.49% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.49% - 28.49% Variable APR on purchases
Annual fee
$0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.49% - 28.49% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.49% - 28.49% Variable APR on purchases
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
Intro purchase APR
0% for 12 monthsRegular purchase APR
17.49% - 28.24%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 months
Regular purchase APR
17.49% - 28.24%* Variable
Annual fee
$0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, 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 5% of the amount of each transfer, whichever is greater
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards Credit Card
Intro purchase APR
0% intro on purchases for 15 monthsRegular purchase APR
19.49% - 29.49% (Variable)Annual fee
$0
Intro purchase APR
0% intro on purchases for 15 months
Regular purchase APR
19.49% - 29.49% (Variable)
Annual fee
$0
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Great for simple cash back††
Great for simple cash back††
Ink Business Unlimited® Credit Card
Intro purchase APR
0% Intro APR on Purchases for 12 monthsRegular purchase APR
17.74% - 23.74%* VariableAnnual fee
$0
Intro purchase APR
0% Intro APR on Purchases for 12 months
Regular purchase APR
17.74% - 23.74%* Variable
Annual fee
$0
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
Great for long intro APR periods††
Great for long intro APR periods††
Wells Fargo Reflect® Card
Intro purchase APR
0% intro APR for 21 months from account openingRegular purchase APR
17.49%, 23.99%, or 29.24% Variable APRAnnual fee
$0
Intro purchase APR
0% intro APR for 21 months from account opening
Regular purchase APR
17.49%, 23.99%, or 29.24% Variable APR
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
- Select “Continue” to take advantage of this specific offer and learn more about product features, terms and conditions.
Great for simple cash back††
Great for simple cash back††
Bank of America® Unlimited Cash Rewards credit card for Students
Intro purchase APR
0% Intro APR for 15 billing cycles for purchasesRegular purchase APR
18.49% - 28.49% Variable APR on purchasesAnnual fee
$0
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
18.49% - 28.49% Variable APR on purchases
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.