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 a long balance transfer offer††
Citi Simplicity® Card
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Citi Simplicity® Card

Great for a long balance transfer offer††

Citi Simplicity® Card

  • Intro purchase APR

    0% for 12 Months
  • Regular purchase APR

    19.24% - 29.99%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

19.24% - 29.99%* Variable

Annual fee

$0

Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card

Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro purchase APR

    0% for 15 Months
  • Regular purchase APR

    19.99% - 29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

19.99% - 29.99% (Variable)

Annual fee

$0

Great for smaller purchases††
Citi Rewards+® Card
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Citi Rewards+® Card

Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR

    0% for 15 Months
  • Regular purchase APR

    18.74% - 28.74%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

18.74% - 28.74%* Variable

Annual fee

$0

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

  • Intro purchase APR

    0% for 15 Billing Cycles
  • Regular purchase APR

    18.24% - 28.24%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles

Regular purchase APR

18.24% - 28.24%* Variable

Annual fee

$0

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

  • Intro purchase APR

    0% for 15 Billing Cycles*
  • Regular purchase APR

    18.24% - 28.24%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 15 Billing Cycles*

Regular purchase APR

18.24% - 28.24%* Variable

Annual fee

$0

Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
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Citi® Diamond Preferred® Card

Great for a long balance transfer offer††

Citi® Diamond Preferred® Card

  • Intro purchase APR

    0% for 12 Months
  • Regular purchase APR

    18.24% - 28.99%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

18.24% - 28.99%* Variable

Annual fee

$0

Great for high cash back rates††
Capital One SavorOne Cash Rewards Credit Card
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Capital One SavorOne Cash Rewards Credit Card

Great for high cash back rates††

Capital One SavorOne Cash Rewards Credit Card

  • Intro purchase APR

    0% for 15 Months
  • Regular purchase APR

    19.99% - 29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months

Regular purchase APR

19.99% - 29.99% (Variable)

Annual fee

$0

Ink Business Unlimited® Credit Card
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Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

  • Intro purchase APR

    0% for 12 Months
  • Regular purchase APR

    18.49% - 24.49%* Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

18.49% - 24.49%* Variable

Annual fee

$0

Great for automatic payments††
Prosper® Card
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Prosper® Card

Great for automatic payments††

Prosper® Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    24.24% - 35.24%* Variable
  • Annual fee

    $0 intro with auto pay, then $39 after first year
Intro purchase APR

N/A

Regular purchase APR

24.24% - 35.24%* Variable

Annual fee

$0 intro with auto pay, then $39 after first year

Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
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Wells Fargo Active Cash® Card

Great for high flat-rate cash back††

Wells Fargo Active Cash® Card

  • Intro purchase APR

    0% for 15 Months*
  • Regular purchase APR

    20.24%, 25.24%, or 29.99% Variable APR
  • Annual fee

    $0
Intro purchase APR

0% for 15 Months*

Regular purchase APR

20.24%, 25.24%, or 29.99% Variable APR

Annual fee

$0

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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.