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Low interest credit cards

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CK Editors’ Tips††: If you carry a credit card balance from month to month, a low-interest card can help you manage interest payments. Whether you use an introductory 0% APR offer for purchases or balance transfers, these cards offer an opportunity for flexibility and relief.

What to consider when choosing a low-interest credit card
Low-interest credit cards with introductory APR offers can be powerful tools in your credit journey, but they come with risks. Focus on cards with introductory APR periods long enough to allow you to manage your interest effectively. We also strongly recommend reading the full terms and conditions of your card offer because you might lose your 0% introductory rate if you make a late payment. Also, consider your credit before applying — most 0% APR cards require good to excellent credit for approval.

How we picked the best low-interest credit cards
When picking the best low-interest credit cards, we focused on cards that featured relatively long 0% introductory APR offers on purchases and balance transfers. While you may also be interested in cards with potentially low ongoing purchase APRs, there is no guarantee issuers will approve you for their cards’ lowest possible rates, even if you have excellent credit. Read more about our methodology for picking the best credit cards.

Jump to editors' picks

Great for rewards on everyday spending††

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Wells Fargo Autograph® Card

Great for rewards on everyday spending††

Wells Fargo Autograph® Card

123 reviews

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Intro purchase APR
0% intro APR for 12 months from account opening on purchases
Regular purchase APR
18.49%, 24.49%, or 28.49% Variable APR
Annual fee
$0

Intro purchase APR

0% intro APR for 12 months from account opening on purchases

Regular purchase APR

18.49%, 24.49%, or 28.49% Variable APR

Annual fee

Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.

Great for long intro APR periods††

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Wells Fargo Reflect® Card

Great for long intro APR periods††

Wells Fargo Reflect® Card

328 reviews

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Intro purchase APR
0% intro APR for 21 months from account opening on purchases
Regular purchase APR
17.49%, 23.99%, or 28.24% Variable APR
Annual fee
$0

Intro purchase APR

0% intro APR for 21 months from account opening on purchases

Regular purchase APR

17.49%, 23.99%, or 28.24% Variable APR

Annual fee

Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.

Great for high flat-rate cash back††

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Wells Fargo Active Cash® Card

Great for high flat-rate cash back††

Wells Fargo Active Cash® Card

593 reviews

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Intro purchase APR
0% intro APR for 12 months from account opening on purchases
Regular purchase APR
18.49%, 24.49%, or 28.49% Variable APR
Annual fee
$0

Intro purchase APR

0% intro APR for 12 months from account opening on purchases

Regular purchase APR

18.49%, 24.49%, or 28.49% Variable APR

Annual fee

Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.

Great for a long balance transfer offer††

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Citi Simplicity® Card

Great for a long balance transfer offer††

Citi Simplicity® Card

539 reviews

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Intro purchase APR
0% for 12 Months
Regular purchase APR
17.49% - 28.24%* Variable
Annual fee
$0

Intro purchase APR

0% for 12 Months

Regular purchase APR

17.49% - 28.24%* Variable

Annual fee

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Great for travel rewards with no annual fee††

Bank of America® Travel Rewards credit card

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Bank of America® Travel Rewards credit card

Great for travel rewards with no annual fee††

Bank of America® Travel Rewards credit card

133 reviews

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Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
17.49% - 27.49% Variable APR on purchases
Annual fee
$0

Intro purchase APR

0% Intro APR for 15 billing cycles for purchases

Regular purchase APR

17.49% - 27.49% Variable APR on purchases

Annual fee

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

Great for a long balance transfer offer††

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Citi® Diamond Preferred® Card

Great for a long balance transfer offer††

Citi® Diamond Preferred® Card

423 reviews

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Intro purchase APR
0% for 12 months
Regular purchase APR
16.49% - 27.24%* Variable
Annual fee
$0

Intro purchase APR

0% for 12 months

Regular purchase APR

16.49% - 27.24%* Variable

Annual fee

0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, 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 5% of the amount of each transfer, whichever is greater

Great for no annual fee††

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Petal® 1 Visa® Credit Card

Great for no annual fee††

Petal® 1 Visa® Credit Card

175 reviews

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Intro purchase APR
N/A
Regular purchase APR
28.24% - 33.24%* Variable
Annual fee
$0

Intro purchase APR

N/A

Regular purchase APR

28.24% - 33.24%* Variable

Annual fee

No annual fee, and no security deposit required
1-10% cash back at select local and national merchants

Great for choosing your top category††

Bank of America® Customized Cash Rewards credit card

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Bank of America® Customized Cash Rewards credit card

Great for choosing your top category††

Bank of America® Customized Cash Rewards credit card

742 reviews

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Intro purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular purchase APR
17.49% - 27.49% Variable APR on purchases
Annual fee
$0

Intro purchase APR

0% Intro APR for 15 billing cycles for purchases

Regular purchase APR

17.49% - 27.49% Variable APR on purchases

Annual fee

Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.

Great for high cash back rates††

Capital One Savor Cash Rewards Credit Card

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Capital One Savor Cash Rewards Credit Card

Great for high cash back rates††

Capital One Savor Cash Rewards Credit Card

100 reviews

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Intro purchase APR
0% intro on purchases for 15 months
Regular purchase APR
18.49% - 28.49% (Variable)
Annual fee
$0

Intro purchase APR

0% intro on purchases for 15 months

Regular purchase APR

18.49% - 28.49% (Variable)

Annual fee

0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Capital One Quicksilver Cash Rewards Credit Card

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Capital One Quicksilver Cash Rewards Credit Card

3 reviews

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Intro purchase APR
0%* for 15 months
Regular purchase APR
18.49% - 28.49% (Variable)
Annual fee
$0

Intro purchase APR

0%* for 15 months

Regular purchase APR

18.49% - 28.49% (Variable)

Annual fee

0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

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The inside scoop on low interest cards

A low interest credit card could help save you money on monthly payments. A low interest credit card is generally a good fit for someone who carries a balance from month to month. Some low interest credit cards come with a 0% introductory rate while others have a low, ongoing rate. However, remember that these cards generally require a good to excellent credit rating for approval. These are some of the most... popular low interest credit cards from Credit Karma's partners.

FAQ: Editors’ answers

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Read our Editorial Guidelines to learn more about our team.

If you’re applying for a credit card and hoping for a low interest rate, you should know that in general, the better your credit is, the better your chance of qualifying for the card.

Generally, borrowers who demonstrate good credit behaviors and have strong credit have a better chance of getting approved for a new credit card with a lower interest rate. One of the best ways to build and maintain your credit is to make on-time payments every month. It also helps to maintain low balances on any credit cards you may have.

Credit card issuers might also look at your income and debt levels.

The best way to avoid paying interest on your credit card is to pay off your statement balance in full by the due date every month. If you do that consistently, it won’t matter what your interest rate is. But if paying off your entire statement balance each month isn’t possible — or you already have credit card debt that you’re trying to pay down — opening a credit card with a low interest rate could help.

You’ve probably seen credit cards that advertise introductory 0% APRs for balance transfers and purchases. But once the promotion expires, the interest rates going forward can skyrocket.

The average credit card charges an interest rate of around 17%. If your credit card charges a lower APR than that, is it really considered a “good” interest rate?

Credit card interest rates tend to be on the higher side compared to other financial products, like mortgages, for example. So even a credit card with a lower-than-average APR can still be expensive if you carry a balance.

A 0% APR indicates that you won’t be charged interest.

If a credit card is advertising an introductory purchase or balance transfer APR, you might be able to get a temporary break on interest charges. But it’s important you take a close look at the fine print.

If a new card offers an introductory 0% APR for balance transfers, you can transfer the balance from one card to the 0% APR card — and you’ll pay no interest on that transferred balance until the promotion expires. Heads up that 0% APR balance transfer offers often charge a balance transfer fee – usually 3-5% of the amount you transfer.

If the card offers an introductory 0% APR for purchases, that means you won’t be charged interest on new purchases you make with the card during the promotional period, as long as you pay them off before the promotion expires.

These offers can help you pay off high-interest credit card debt more quickly. But be careful — 0% intro APRs don’t last forever. Be prepared to pay the regular APR once the intro period expires.

Interest is one way credit card companies make money. Beyond that, credit cards are more risky for lenders than many other financial products. This is why credit cards tend to have higher interest rates.

Mortgage rates tend to be lower because they’re backed by the home you buy. If you fail to repay your mortgage, the bank can foreclose on your home. This encourages you to pay — and if you don’t, it gives the bank some way to recoup its losses by reselling your home. In the same way, auto loans are backed by the car you buy.

But many credit cards don’t require any sort of collateral. And without collateral, some cardholders might be less likely to repay the money they borrow. A primary deterrence that credit card lenders can use to get their money back is to report your activity to the credit bureaus (dinging your credit) score or send your account to a debt collector.

That might motivate some people, but not everyone.

To make up for those anticipated losses, credit card companies charge higher interest rates.

It never hurts to ask.

Start by calling your credit card issuers and asking if they’d be willing to lower your interest rate, and don’t be discouraged if they say no at first. Try to figure out why they won’t do it right now, so you can address the issue and try again.

Time could be the solution. The longer you’ve had your credit card, the more willing the issuer may be to lower your interest rate. If it’s a new card, the answer could be as simple as waiting a few months and trying again.

It also helps to have good credit. Show the lender you deserve a lower interest rate by making on-time payments every month, and if possible, maintaining a low balance.

If you’re still not having much luck with your current issuers, you can look for a new credit card that’s offering an introductory 0% purchase APR for a short period of time. This could buy you time to pay off your debt before the new card starts charging you a regular variable interest rate.

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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.