The Ultimate Guide to Credit Cards
Wednesday, June 16, 2021

17 Best 0% APR & Low-Interest Credit Cards for 2021

Best Low Interest Credit Cards

credit card advice

Ashley Dull
By: Ashley Dull
Updated: November 7, 2019
Advertiser Disclosure

Most consumers today have felt the sting when they realize that the price tag that first lured them in has snowballed beyond recognition at the moment of checkout. For example, that $10 pizza delivery somehow ends up costing you $20 by the time the tax, tip, and delivery fee are included.

And it doesn’t stop there. If you use a credit card to pay for your purchases and then carry that balance past the grace period, you’ll start accruing interest fees on top of everything else.

While taxes are unavoidable (and tipping is just good manners), you can avoid — or, at least, minimize — interest fees with the right credit card. You may even earn rewards while you do so. We’ve researched a variety of credit cards to compile the list below, featuring our selections for the best low-interest credit cards. The varied list should contain something for nearly every consumer, whether you prefer a low purchase APR, cash back, or travel perks.

0% Purchases | 0% Balance Transfers | Cash Back | Travel | Business | Low Ongoing

Best Cards with 0% Intro APR on New Purchases

Although paying off your balance before the end of your card’s grace period is the easiest way to avoid interest fees, carrying a balance for a few months is sometimes necessary.

For these situations, a credit card with an introductory 0% APR offer can give you at least six months of interest-free purchasing. And the best intro-APR offers, like some of our picks below, offer more than 12 months of 0% interest.

Wells Fargo Platinum card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% intro APR for 18 months from account opening
0% intro APR for 18 months on qualifying balance transfers
16.49%-24.49% (Variable)
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • 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 annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Cash Magnet® Card Review

at the issuer'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn $200 back after you spend $1,000 in purchases on your new card in your first 3 months. You will receive the $200 back in the form of a statement credit.
  • Unlimited 1.5% cash back on every purchase
  • 0% intro APR on purchases for 15 months from the date of account opening, then a variable APR applies
  • Rental car loss and damage insurance when you use your eligible card to reserve and pay for the entire rental and decline the collision waiver at the rental company counter
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
13.99% - 23.99% Variable
$0
Good/Excellent

+See More Cards with 0% APR on New Purchases

As handy as intro-APR offers can be, they do have some limitations, not the least of which is that they are introductory, meaning your APR will revert to the default rate once the promotional period expires.

Furthermore, some transactions will not qualify for the 0% APR. While some deals may cover new purchases and balance transfers, others will only cover new purchases. Cash advances will not be covered and will usually start accruing interest fees immediately.

Best Cards with 0% Intro APR on Balance Transfers

Whether from one large purchase or a series of smaller ones, it can be all too easy to wind up with a credit card balance that starts accruing interest. And when the interest rate is near the average 16.9% APR, those fees can get very expensive very quickly.

If your current card isn’t cutting it in the interest rate department, you can often transfer your balance to another card with a lower rate. Choosing one with an introductory 0% APR offer on balance transfers, such as our cards below, can potentially cut your fees down to $0 for 12 months or more.

Wells Fargo Platinum card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% intro APR for 18 months from account opening
0% intro APR for 18 months on qualifying balance transfers
16.49%-24.49% (Variable)
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn cash back twice! 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 and will have a fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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.
  • 24/7 access to customer service representatives
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
13.99% - 23.99% Variable
$0
Excellent/Good
BankAmericard® Credit Card Review

at Bank Of America'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days, then a variable APR will apply
  • An optional overdraft protection service is available to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • 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
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 18 billing cycles
0% Intro APR for 18 billing cycles (for balance transfers made in the first 60 days)
12.99% - 22.99% (Variable)
$0
Excellent/Good

+See More Cards with 0% APR on Balance Transfers

Keep an eye on the length of the promotional period, as your remaining balance will be subject to the default balance transfer APR once the offer ends.

Additionally, most credit cards will charge a balance transfer fee for the service. These fees can range between 3% and 5% of the total transferred balance and will reduce the total amount you can transfer.

Despite the fees, however, balance transfers can still be very valuable savings tools, especially if your current APR is very high. You can use an online balance transfer calculator to determine if the balance transfer fee is worth the interest rate savings.

Best Cash Back Cards with 0% Intro APR Offers

What’s better than paying 0% interest on your new purchases for a year or more? Why, earning cash back rewards on those purchases, of course.

In today’s competitive credit card market, issuers are stacking the perks to draw in customers. This means some of the best cash back cards out there, including the options below, also come with awesome intro-APR offers.

CASH BACK RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • 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 annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

+See More Cash Back Cards

To make the most of your cash back card, look for cards with bonus categories that complement your spending habits. If you dine out a lot, for instance, look for a card that offers bonus rewards for restaurant purchases.

Be sure to pay off your purchases before your APR offer expires, however, or you’ll end up wasting your rewards on interest fees. Regular interest rates will almost always exceed any cash back rewards rate, so the credit card company will likely win if you allow interest to accrue.

Best Travel Cards with 0% Intro APR Offers

With the average international vacation topping $3,000, it’s likely fair to say that many who charge their trips will be spending a little time paying them off.

With such a high cost, it makes sense to use an intro-APR card to cut out the interest fees, but that means giving up on travel rewards for your trip. Or does it? While only a few travel cards come with 0% intro-APR offers, the list below includes some of our top-rated cards.

Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • 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 15+ travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

+See More Travel Rewards Cards

If you’re heading abroad and charging your travel expenses, be sure to check out whether your card charges foreign transaction fees on purchases made in a foreign currency.

With rates of 2% to 4% of the total purchase amount, foreign transaction fees can add a lot of cost to your travels.

You can eliminate that cost by choosing a card that doesn’t charge any foreign transaction fees at all. In particular, many travel credit cards, including the ones above, will waive foreign transaction fees.

Best Business Cards with 0% Intro APR Offers

Similar to a living creature, businesses continually grow and change — and so do their financial needs. Major expenses can come when you least expect them, and revenue ups and downs can make paying for them a challenge at times.

A good business credit card can be a vital tool for any business, but one with a 0% intro-APR offer can be even more lucrative when you need a little time to pay down your balance. Happily, several of our favorite business cards also come with sweet interest offers.

Ink Business Cash® Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.24% - 19.24% Variable
$0
Good/Excellent

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
13.99% - 23.99% (Variable)
$0
Excellent, Good

14. Capital One® Spark® Miles Select for Business

This card is currently not available.

Business Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

+See More Business Cards

Always remember that intro-APR offers tend to expire, and you’ll be stuck paying the default purchase APR on any remaining balance. Pay off your card before your promotion expires to avoid interest fees.

As with consumer cards, choosing the best business credit card for your company will often come down to maximizing rewards where you spend the most.

If your business goes through a lot of office supplies, for example, select a card that offers bonus rewards for purchases made at office supply stores. You can also find business credit cards that offer bonus rewards for digital advertising, communications services, and even shipping costs.

Best Credit Cards with Low Ongoing APRs

Despite the value introductory interest rates offer, they do have one major downfall: they expire. Even the best 0% APR offers will end eventually and you’ll start accruing interest at the default rate after that.

If your balance-carrying needs are likely to be a regular concern, then a card with a low ongoing APR can be a good investment. Some of our low-rate cards even include rewards and low or no annual fees.

Discover it® Cash Back Review

at Discover Card'ssecure website

LOW APR RATING

★★★★★
4.8

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent
Applied Bank® Secured Visa® Gold Preferred® Credit Card Review

at the issuer'ssecure website

LOW APR RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
9.99%
$48
Poor/Fair/Limited/Damaged
Discover it® chrome Review

at Discover Card'ssecure website

LOW APR RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

+See More Cards with Low Ongoing APRs

Most credit cards come with a range of potential APRs, with the exact APR you are offered dependent upon your credit risk. Choosing a card with a low APR range can be a good way of ensuring you are offered a low rate (if approved).

The only guaranteed way to obtain lower interest rates, however, is to improve your credit profile. Paying down debt, limiting new inquiries and new accounts, and always paying your debts on time and as agreed can all help improve your credit score and, thus, your interest rates.

Keep Interest Fees at Bay with the Right Card

Like taxes, fees seem to be an inevitable facet of consumer life. But they don’t have to have the upper hand in every battle.

By choosing the right credit card (and using it responsibly) you can avoid adding interest fees to the long list of extras inflating the cost of your purchases. What’s more, with a good rewards card, you may even gain a little ground of your own.

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