Low Interest No Annual Fee Credit Cards
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Low interest credit cards with no annual fee allow you to benefit from the perks of having a credit card without being saddled by fixed costs or costly finance charges, should you be unable to pay your bill in full in a given month. As you might have already noticed, this is a rather large genre, with low interest no annual fee credit cards targeted to people of all credit levels listed below. You can narrow down your options by selecting your credit level as well as any other appropriate filters on the left side of the page. In addition, it’s important to note that low interest credit cards are best for people who occasionally need the flexibility to not pay their credit card bills in full while also avoiding high interest rates. If you are routinely unable to pay your balance in full, you should utilize 0% credit cards as much as possible and work on spending only within your means. A credit card offering 0% on purchases and/or balance transfers could allow you to save much more money than a low interest no annual fee credit card, as long as you use it strategically and not as an excuse to rack up more debt. With that being said, once you identify the card you’d like to apply for--whether it’s one of the low interest credit cards with no annual fee listed here or not--click “Apply Now” and we will redirect you to the respective issuer’s secure online application. Note: some of the offers are issued by WalletHub advertising partners.
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Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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0% for 14 monthsTransfer Fee: 3%
Regular APR
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13.99% - 24.99% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
Additional Info
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Cash Back
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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13.74% - 23.74% (V)
Rewards Details
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Additional Info
- Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® VentureOne® Rewards Credit 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)
Additional Info
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
- See More Details & Reviews About TheCiti Simplicity® Card - No Late Fees Ever
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.49% - 25.49%* (V)
Rewards Details
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- No categories to track, no caps on cash back, no annual fee*
Additional Info
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
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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14.74% - 24.74% (V)
Rewards Details
- One-time $150 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
Additional Info
- 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.99% - 25.99% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsSee details for transfer fee
Regular APR
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16.74% - 25.49% (V)
Rewards Details
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom Unlimited®
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsSee details for transfer fee
Regular APR
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16.74% - 25.49% (V)
Rewards Details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.49% - 25.49%* (V)
Rewards Details
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Additional Info
- Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
- No annual fee*
- See More Details & Reviews About TheCiti ThankYou® Preferred Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 2% (min $5) for the first 45 days, $0 after
Regular APR
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13.99% (V)
Additional Info
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
- Low 13.99% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
- See More Details & Reviews About TheBarclaycard Ring® Mastercard®
Community Discussion
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 moreshow less
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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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