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Best Credit Cards with No Annual Fee and Low Interest
WalletHub makes it easy to find the best credit card with low interest and no annual fee.
LOW INTEREST NO ANNUAL FEE CREDIT CARDS
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- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3%
- Very high regular APR
- Excellent credit required

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases

- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee

- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Rotating categories which require activation
- Balance transfer fee

- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee

- No annual card fee
- Intro APR on purchases
- Intro APR on balance transfers
- No foreign fee
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Requires good/excellent credit

- $0 annual fee
- 1.5 miles per $1
- First-year rewards get doubled
- 0% foreign transaction fee
- Intro APRs on purchases and balance transfers
- High regular interest rate
- Not as rewarding after the first year

- $0 annual fee
- 1 - 3% cash back
- $500+ credit limit
- APR up to 29.99%
- Rewards may take longer to get
- No grace period

- No membership fees
- Qualify with fair credit
- APR up to 29.99%
- No grace period

- No membership fees
- Low regular APR
- No foreign fee
- Qualify with limited or no credit history
Best Credit Cards with No Annual Fee and Low Interest
The best credit card with no annual fee and low interest is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 15 months from account opening, a $0 annual fee and good rewards. Cardholders earn 2% cash rewards on all purchases. Applicants generally need at least good credit for approval.
Fortunately, there are plenty of credit cards with low APRs and no annual fees available at the moment. Below, you can find a comparison of the best offers right now.
Best Credit Cards with Low Interest and No Annual Fee Comparison
Credit Card | Annual Fee | Introductory APR | Regular APR |
Wells Fargo Active Cash® Card | $0 | 0% for 15 months from account opening | 19.99% - 29.99% Variable |
Wells Fargo Reflect® Card | $0 | 0% for 21 months from account opening | 17.99% - 29.99% Variable |
U.S. Bank Visa® Platinum Card | $0 | 0% for 18 billing cycles | 19.49% - 29.49% (V) |
BankAmericard® credit card | $0 | 0% for 21 billing cycles | 15.99% - 25.99% Variable |
Chase Freedom Unlimited® | $0 | 0% for 15 months | 19.99% - 28.74% (V) |
BankAmericard® credit card for Students | $0 | 0% for 21 billing cycles | 15.99% - 25.99% Variable |
Unfortunately, there aren’t many credit cards with low regular interest rates these days. You’re far better off getting a card with a 0% introductory APR and then paying off the balance before the regular rate takes effect.
Methodology for Selecting the Best Low Interest No Annual Fee Credit Cards
To identify the best credit cards with low interest rates and no annual fees, WalletHub’s editors regularly compare more than 1,500 credit card offers. We start by excluding cards that charge annual fees as well as cards that lack low introductory APRs and have regular interest rates above the market average.
Then, we compare the remaining cards based on estimated savings over the course of two years. This timeframe allows both initial and ongoing perks to have an impact. Finally, once we’ve calculated expected savings and ranked the cards accordingly, we pick the top cards for the most popular usage scenarios.
Why People Trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best low interest no annual fee credit card.
Low Interest No Annual Fee Credit Card FAQ
Comparing low interest no annual fee 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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Featured Credit Cards
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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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