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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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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11.65% - 27.65% (V)
Rewards Details
- Earn 2X points per dollar spent on gas and dining
- Earn one point for every dollar spent on all purchases
- Get 2,500 bonus points with your first purchase
Additional Info
- USAA membership is available to active and former military and their eligible family members
- Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 11.65% to 27.65% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Visa Auto Rental Collision Damage waiver insurance. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- See More Details & Reviews About TheUSAA® Rewards™ Visa Signature® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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11.65% - 27.65% (V)
Rewards Details
- Earn 3X points per dollar spent on dining
- Earn 2X points per dollar spent on gas and groceries
- Earn 1X point for every dollar spent on all other purchases
- Get 2,500 bonus points with your first purchase
Additional Info
- USAA membership is available to active and former military and their eligible family members
- Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 11.65% to 27.65% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Concierge services to assist with whatever you need, whenever you need it. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- See More Details & Reviews About TheUSAA® Rewards™ American Express® Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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11% (V)
Rewards Details
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Unlimited Points That Don’t Expire
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
Additional Info
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Union Strong Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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8.65% - 25.65% (V)
Additional Info
- Enjoy our lowest rate card
- No annual fee, no foreign transaction fees, no penalty APR
- USAA membership is available to active and former military and their eligible family members
- Special Benefits for Military: Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 8.65% to 25.65% will apply. This rate will vary with the market based on the prime rate.Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- See More Details & Reviews About TheUSAA® Rate Advantage Visa Platinum® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3%
Regular APR
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11.24% - 17.99% (V)
Annual Fee
None
Rewards Rate
1 - 5 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn $100 statement credit when you spend $1,500 in the first 90 days.
- Earn 5 points per dollar spent on gas purchases, 3 points per dollar spent on supermarket purchases and 1 point per dollar spent on all other purchases.
- Ability to redeem points for a range of rich rewards, including merchandise, travel, gift cards or even Visa® prepaid cards right from PenFed Online Banking.
Additional Info
- 0% Promotional APR for 12 months on Balance Transfers made between May 1, 2018 - September 30, 2018.
- Complimentary 24/7 concierge service
- Easily add to your digital wallet
- See More Details & Reviews About ThePenFed Platinum Rewards Visa Signature® Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 6 monthsTransfer Fee: 1% (min $5)
Regular APR
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10.74% (V)
Annual Fee
None
Rewards Rate
None
Minimum Credit
Excellent
Additional Info
- MasterRental collision damage waiver
- Ability to view and pay your Mastercard® account online with free Dollar Bank Online Banking
- 24/7 Mastercard® Assistance Center toll-free at 1-800-307-7309
- Access to your account information 24/7.
- Zero fraud liability.
- See More Details & Reviews About TheDollar Bank Low Rate Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% - 5.9% for 6 - 12 monthsTransfer Fee: 0% - 3%
Regular APR
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10.92% (V)
Annual Fee
None
Rewards Rate
1.5% Cash Back
Minimum Credit
Excellent
Rewards Details
- Earn 1.5% cash rewards for every dollar spent – every time you use your card to shop, dine, travel, pay bills or entertain
- There is no cap to how much cash back you may earn.
Additional Info
- Choose: 0% for first 6 billing cycles Introductory APR for Balance Transfers with 3% balance transfer fee or 5.9% for the first 12 billing cycles with no balance transfer fee
- Free online account information.
- Travel accident insurance coverage.
- Auto rental insurance.
- See More Details & Reviews About TheFirst Option Visa® Platinum Credit Card
Purchase Intro APR
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1.99% for 12 months
Transfer Intro APR
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1.99% for 12 monthsTransfer Fee: No
Regular APR
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11.24% - 18% (V)
Annual Fee
None
Rewards Rate
1 point / $1
Minimum Credit
Excellent
Rewards Details
- Earn 10,000 bonus rewards points when you spend $500 in the first 90 days of card membership.
- $1 cash back for every $100 you spend.
- Your points are worth 25% more when you redeem them for travel. No restrictions. No blackouts. Valid toward any commercial flight, hotel, cruise, car rental, and more.
- Double points on the first $50,000 spent towards Harvard University gifts per year.
- Redeem points for Cash Back, Travel, Harvard Coop Gift Cards or The Harvard Chair.
Additional Info
- 1.99% Introductory APR on balance transfers requested within 90 days of account opening.
- Entertainment access: Purchase tickets to popular events before the general public
- Free credit card checks and Free extra cards for authorized users.
- Get access to complimentary amenities at a collection of nearly 1,000 hotel properties around the world. In addition, take advantage of special savings of up to 20% off lowest available non-restricted rates at select properties
- Other Benefits include Premium concierge service, Rental car insurance, Return protection, Extended warranty and Zero fraud liability.
- See More Details & Reviews About TheHarvard Credit Card
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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