Low Interest Credit Cards
WalletHub makes it easy to find the best low interest credit card for you.
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Best Low Interest Credit Cards
- Chase Freedom Unlimited®: 0% Rate with Bonus Cash Back
- ABOC Union Strong Mastercard®: Low Interest Rate
- Blue Cash Everyday® Card from American Express: 0% APR & Rewards
- U.S. Bank Visa® Platinum Card: 0% Rate for Excellent Credit
- Wells Fargo Platinum card: 0% Intro APR for Good Credit
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
- Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 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% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Diamond Preferred® Card
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 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
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Chase Freedom Unlimited® Chase Freedom Unlimited®

- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- See More Details & Reviews About TheChase Freedom Unlimited®
BankAmericard® credit card BankAmericard® credit card

- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBankAmericard® credit card
Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express

- Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- $95 Annual Fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer

- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 10+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- 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
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Bank of America® Cash Rewards credit card Bank of America® Cash Rewards credit card

- $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
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
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5 Best Low Interest Credit Cards

Wells Fargo Platinum card
The best low interest credit card is the Wells Fargo Platinum card. It gives introductory APRs of 0% for 18 months on purchases and qualifying balance transfers, with a $0 annual fee and a balance transfer fee of 3% for 120 days, then 5%. The Wells Fargo Platinum card doesn’t have the lowest regular APR: 16.49% - 24.49% Variable. But it does have no interest for a very long time, which provides a great opportunity to save if you can get out of debt by the time the 0% APR ends.
Chase Freedom Unlimited®
The best low interest credit card for earning cash back rewards on purchases while paying 0% interest for an extended stretch is the Chase Freedom Unlimited®. It offers 0% for 15 months on purchases, for starters. It also gives 1.5 - 5% cash back on purchases. Plus, you will get a $200 bonus for spending $500 in the first 3 months.
The Freedom Unlimited Card has no annual fee, and the regular APR is 14.99% - 23.74% (V).
Blue Cash Everyday® Card from American Express
The American Express Blue Cash Everyday Card is one of the best low interest credit cards because it offers an introductory APR of 0% for 15 months on purchases, along with a $0 annual fee and great rewards. Those rewards include a pair of initial bonuses, plus 1 - 3% cash back on purchases normally.
U.S. Bank Visa® Platinum Card
The best low interest credit card for people with excellent credit who want a long interest-free introductory period is the U.S. Bank Visa® Platinum Card. It gives 0% for 20 months on purchases and 0% for 20 months, with a balance transfer fee of 3% (min $5). Its regular APR range is 13.99% - 23.99% (V), however, so the card’s low-interest period is limited to the length of the intro rate. This card has no rewards and no annual fee.
Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
The best low interest credit card for people with good credit who are looking for a low regular APR to go along with 0% intro rates is the Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card. It offers 0% for 12 months on purchases and 0% for 18 months on balance transfers, with a balance transfer fee of 3% (min $5). When promotional rates are not in effect, the ABOC Union Strong card charges interest at an annual rate of 9.25% (V). It does not charge an annual fee. This card is available to all applicants with good credit or better.
Best Low Interest Rate Credit Cards
Credit Card | Best For | Credit Card Rating |
Blue Cash Everyday® Card from American Express | 0% Rate & Cash Back | 4.2 / 5 |
U.S. Bank Visa® Platinum Card | 0% Rate for Excellent Credit | 4.8 / 5 |
ABOC Union Strong Mastercard® Credit Card | Low Regular Rate | 3.9 / 5 |
Chase Freedom Unlimited® | 0% Rate & Bonus Cash Back | 4.7 / 5 |
Wells Fargo Platinum card | 0% Intro APR for Good Credit | 4.6 / 5 |
Closing Thoughts
There are several other offers that are also worth considering, as well some that are better left alone. For example, the best low interest credit card for fair credit is the Amazon.com Store Card. It offers an introductory APR of 0% for 6 - 24 months on select purchases. But the offer includes a feature called deferred interest that can make the transaction a lot more expensive than you’d planned for if you don’t repay your balance on schedule. Similarly, the best low interest credit card for bad credit is the First Progress Platinum Prestige Mastercard® Secured Credit Card. It has a regular APR of 9.99% (V), but there isn’t much point in carrying a balance on a secured card since you have to pre-pay for your purchases with a security deposit.
Whenever you carry a balance from month to month, make sure to do so with a purpose (and a credit card calculator). Have a good reason for getting into debt and a plan for repaying what you borrow.
For example, using a 0% credit card for a big-ticket purchase and paying off your balance before regular rates take effect is a great approach. Racking up expensive interest charges simply because you’re spending more than you can afford is not.
Finally, it’s important to note that the best low interest rate credit cards don’t necessarily have the absolute lowest APRs. Rather, they combine a very low APR with other attractive terms, such as no annual fee or lenient approval requirements.
To get a sense of how low these APRs really are, relative to the rest of the market, check out WalletHub’s latest Credit Card Landscape Report. You will find average credit card rates for the entire market as well as for people with excellent credit, good credit, etc.
Questions & Answers
Comparing low interest 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
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Featured Credit Cards
Ask the Experts
To get the low-down on low interest credit cards, we asked a panel of personal finance experts to share their thoughts on the following questions. Meet our panel and see what they had to say, below.
- Does the definition of a “low interest” credit card change over time?
- Does it ever make sense to get a credit card with a low regular APR? (vs. a 0% credit card or paying in full)
- Compared to loans, does any credit card really have a low interest rate?
- If rates are so low in general, why aren’t credit card interest rates lower?
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Francisca Beer
Interim Dean of Graduate Studies and Professor of Finance in the College of Business and Public Administration at California State University, San Bernardino
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Amy J. N. Yurko
Assistant Professor of Accounting at Duquesne University
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Rachel C. Sykes
CFA, Assistant Professor, Framingham State University
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Alex Young
Assistant Professor at Hofstra University
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Fan Chen
Assistant Professor of Finance at Merrimack College
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Mark W. Hendrickson
Adjunct Professor at Grove City College
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