Low Interest Credit Cards
If you carry a balance month to month, a low interest or 0% intro APR card can save you significantly on finance charges. We've identified the cards with the most competitive ongoing rates and longest promotional periods to help you minimize what you pay.
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Top Picks
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
No Foreign Fees
0% Intro APR
Dining
Credit Score
680
850
Good - Excellent
Intro Offer
Earn $200 Cash Back
after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Foreign Fee
0%
Purchase APR
0% for 12 mo
Balance Transfer
0% for 12 mo
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
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- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
0% Intro APR
Credit Score
See website for Details*
Annual Fee
$75 - $125
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
35.90% Fixed
Apply Now
On Celtic Bank's website
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
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- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Rates & fees apply. View the
Rates & Fees.
VISA
Rewards
Travel
Balance Transfer
No Annual Fee
No Foreign Fees
0% Intro APR
Student
Credit Score
680
850
Good - Excellent
Intro Offer
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
Annual Fee
$0
Rewards Rate
1.5 points per $1 spent on everyday purchases
Foreign Fee
0%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's website
- 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 everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
0% Intro APR
Gas
Credit Score
680
850
Good - Excellent
Intro Offer
$1,000
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 15 mo
Balance Transfer
0% for 15 mo
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Citi's website
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
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- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Rates & fees apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
Balance Transfer
No Annual Fee
0% Intro APR
Gas
Student
Credit Score
680
850
Good - Excellent
Intro Offer
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards Rate
6% cash back for the first year in the category of your choice
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's website
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. 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.
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- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
Mastercard
Balance Transfer
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 12 mo
Balance Transfer
0% for 21 mo
Regular APR
17.49% - 28.24% (Variable)
Apply Now
On Citi's website
- 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.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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- Stay protected with Citi® Quick Lock
Rates & fees apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
Balance Transfer
No Annual Fee
0% Intro APR
Student
Credit Score
680
850
Good - Excellent
Intro Offer
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards Rate
2% cash back on all purchases for the first year from account opening
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's website
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
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- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
Mastercard
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
14.99% - 25.99% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's website
- New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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