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.
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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 smaller purchases††
Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    15.74% - 25.74% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

15.74% - 25.74% Variable

Annual fee

$0

Great for simple cash back††
Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    16.49% - 26.49%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

16.49% - 26.49%* Variable

Annual fee

$0

Great for balance transfers††
Great for balance transfers††

Citi® Diamond Preferred® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    15.99% - 25.99% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

15.99% - 25.99% Variable

Annual fee

$0

Great for flexible cash back††
Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Intro purchase APR

    0%
    for 15 Billing Cycles*
  • Regular purchase APR

    16.24% - 26.24%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles*

Regular purchase APR

16.24% - 26.24%* Variable

Annual fee

$0

Great for travel rewards on a budget††
Great for travel rewards on a budget††

Bank of America® Travel Rewards credit card

  • Intro purchase APR

    0%
    for 15 Billing Cycles*
  • Regular purchase APR

    16.24% - 26.24%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles*

Regular purchase APR

16.24% - 26.24%* Variable

Annual fee

$0

Great for beginners††
Great for beginners††

Petal® 2 Visa® Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    15.24% - 29.24%*
    Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

15.24% - 29.24%* Variable

Annual fee

$0

Upgrade Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    8.99% - 29.99%
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

8.99% - 29.99%

Annual fee

$0

Discover it® Cash Back

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    13.49% - 24.49% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

13.49% - 24.49% Variable

Annual fee

$0

Citi Custom Cash℠ Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    16.24% - 26.24% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

16.24% - 26.24% Variable

Annual fee

$0

Wells Fargo Reflect® Card

  • Intro purchase APR

    0%
    for 18 Months*
  • Regular purchase APR

    15.24% - 27.24%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 18 Months*

Regular purchase APR

15.24% - 27.24%* Variable

Annual fee

$0

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†† The opinions you read here come from our editorial team. 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.