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Low Interest Mastercard Credit Cards
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LOW INTEREST MASTERCARD CREDIT CARDS
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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16.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Capital One Quicksilver Cash Rewards Credit Card is a very good everyday rewards card for people with a good credit score. The Quicksilver Card is worth considering thanks to benefits that include a $0 annual fee, an intro APR of 0% for 15 months on purchases and balance transfers, and rewards of 1.5 - 5% cash back on purchases. It also has a $0 foreign transaction fee and a nice initial rewards bonus: $200 for new cardholders who spend $500 within 3 months of opening an account.
Read our editor's full Capital One Quicksilver review.
Pros
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
Cons
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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16.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1.25 - 5 miles / $1
Minimum Credit
Good
WalletHub's Take: The Capital One VentureOne Rewards Credit Card is a good travel rewards credit card that is worth it for people who don’t spend enough to justify paying an annual fee. Capital One VentureOne has a $0 annual fee, a $0 foreign transaction fee, and solid rewards. Those rewards include 20,000 miles as an initial bonus for spending $500 in the first 3 months, along with an ongoing earning rate of 1.25 miles / $1 on most purchases.
Read our editor's full Capital One VentureOne review.
Pros
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
Cons
- Balance transfer fee
- Potential for a very high regular APR
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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16.49% - 26.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Capital One SavorOne card is a good credit card that’s worth it for foodies and entertainment lovers on a limited budget. In addition to a $0 annual fee, SavorOne offers cash rewards so rich you can practically taste them, starting with a $200 initial bonus for spending $500 within 3 months of opening your account.
Read our editor's full Capital One SavorOne review.
Pros
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
Cons
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
BankAmericard® credit card BankAmericard® credit card
Purchase Intro APR
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0% for 21 billing cycles
Transfer Intro APR
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0% for 21 billing cycles for any balance transfers made in the first 60 daysTransfer Fee: 3% (min $10)
Regular APR
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14.24% - 24.24% Variable
WalletHub's Take: The BankAmericard credit card is a very good 0% credit card that's worthwhile for people with excellent credit who can benefit from interest-free financing for the first 21 billing cycles on new purchases as well as balance transfers made in the first 60 days. The BankAmericard credit card does not charge an annual fee.
Read our editor's full BankAmericard credit card review.
Pros
- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
Cons
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
Citi Custom Cash℠ Card Citi Custom Cash℠ Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 5% (min $5)
Regular APR
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16.24% - 26.24% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The Citi Custom Cash℠ Card is a good credit card for people with a 700+ credit score who want to automatically earn an above-average rewards rate in their biggest spending category each month. Citi Custom Cash is most worthwhile for relatively light spenders, as its 5% rewards rate only lasts up to $500 spent per billing cycle.
Read our editor's full Citi Custom Cash review.
Pros
- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
Cons
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 21 monthsTransfer Fee: 5% (min $5)
Regular APR
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15.99% - 25.99% (V)
WalletHub's Take: The Citi Diamond Preferred card is a very good credit card that’s worth it for people with good credit who want to avoid interest charges on balance transfers or purchases. Citi Diamond Preferred offers introductory interest rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The card also has a $0 annual fee and a balance transfer fee of 5% (min $5).
Read our editor's full Citi Diamond Preferred review.
Pros
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
Cons
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
Citi Rewards+® Card Citi Rewards+® Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
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15.74% - 25.74% (V)
Annual Fee
$0
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
WalletHub's Take: The Citi Rewards+® Card is a good everyday rewards credit card for people with good credit or better whose biggest expenses include gas and groceries. The Citi Rewards+ Card has a $0 annual fee and gives 2 points per $1 spent, on up to $6,000 per year, at supermarkets and gas stations. Plus, for a limited time, the first $6,000 you spend on restaurant purchases in the first year yield 5 points per $1 spent. All other purchases produce 1 point per $1 spent. Cardholders who make $1,500 in purchases within 3 months of opening an account also get a sign-up bonus of 20,000 points, worth $200 in gift cards at thankyou.com.
Read our editor's full Citi Rewards+ Card review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Citi Simplicity® Card Citi Simplicity® Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 21 monthsTransfer Fee: 5% (min $5)
Regular APR
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16.99% - 26.99% (V)
WalletHub's Take: The Citi Simplicity Card is a very good 0% APR credit card. Citi Simplicity is worthwhile because it has a $0 annual fee and offers introductory rates of 0% for 21 months on balance transfers and 0% for 12 months on new purchases. But Simplicity isn’t for everyone. You need good credit to qualify. And a 5% (min $5) balance transfer fee complicates its long interest-free period.
Read our editor's full Citi Simplicity Card review.
Pros
- 0% intro rate on balance transfers for 21 months
- 0% intro rate on new purchases for 12 months
- No annual fee
Cons
- 5% (min $5) balance transfer fee
- High regular APR
- No rewards
First Progress Platinum Select Mastercard® Secured Credit Card First Progress Platinum Select Mastercard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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$0
Regular APR
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16.24% (V)
WalletHub's Take: The First Progress Platinum Select Mastercard® Secured Credit Card is a fairly inexpensive option for people with limited credit who want a starter credit card with high approval odds or people looking to rebuild damaged credit. For the price of the First Progress Platinum Select Mastercard’s $39 annual fee, plus a refundable security deposit of at least $200, cardholders get to add information to their three major credit reports each month. If the card’s monthly reporting to the big three credit bureaus details on-time payments and reasonable credit utilization, it will contribute to credit score improvement.
Read our editor's full First Progress Platinum Select review.
Pros
- Qualify with limited or no credit history
Cons
- Membership fees
- Foreign fee
- Requires security deposit
First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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$0
Regular APR
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12.24% (V)
WalletHub's Take: The First Progress Platinum Prestige Mastercard is a secured credit card that is available to applicants in all 50 U.S. states. It requires a refundable security deposit of at least $200 when you apply and charges an annual fee of $49. The First Progress Platinum Prestige Mastercard® Secured Credit Card also reports account information to all three major credit bureaus each month. That means it can help you build credit as long as you manage the account responsibly.
Read our editor's full First Progress Platinum Prestige review.
Pros
- Low regular APR
- Qualify with limited or no credit history
Cons
- Membership fees
- Foreign fee
- Requires security deposit
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Questions & Answers
Comparing low interest mastercard credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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