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.
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
14.99% - 23.74% Variable
|
$0
|
Good/Excellent
|
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- 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 15 months; 14.99%-24.99% variable APR after that
- $0 annual fee and no foreign transaction fees
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
14.99% - 24.99% (Variable)
|
$0
|
Excellent, Good
|
- 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 and balance transfers for 15 months; 14.99% - 24.99% 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
|
0% for 15 months
|
14.99% - 24.99% (Variable)
|
$0
|
Excellent, Good
|
+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.
- 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 any amount, any time. Rewards never expire.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- No annual fee.
- 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 6 months
|
0% Intro APR for 18 months
|
11.99% - 22.99% Variable APR
|
$0
|
Good/Excellent
|
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, 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
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% 12 months on Purchases
|
0% 21 months on Balance Transfers
|
13.74% - 23.74% (Variable)
|
$0
|
Excellent, Good
|
Additional Disclosure: Citi is a CardRates advertiser.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR Period 12 months on Purchases
|
0% Intro APR Period 21 months on Balance Transfers
|
14.74% - 24.74% (Variable)
|
$0
|
Excellent, Good Credit
|
Additional Disclosure: Citi is a CardRates advertiser.
+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.
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
14.99% - 23.74% Variable
|
$0
|
Good/Excellent
|
- 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.
- No annual fee.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 14 months
|
0% Intro APR for 14 months
|
11.99% - 22.99% Variable APR
|
$0
|
Good/Excellent
|
- 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 and balance transfers for 15 months; 14.99% - 24.99% 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
|
0% for 15 months
|
14.99% - 24.99% (Variable)
|
$0
|
Excellent, Good
|
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.
- UNLIMITED BONUS: Only Discover gives you an unlimited match of 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
|
- $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
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
14.99% - 24.99% (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.
- 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
|
- 0% Intro APR for the first 12 months
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 12 months
|
N/A
|
15.99% - 23.99% (Variable)
|
$0
|
Good
|
14. Capital One® Spark® Miles Select for Business
This card is currently not available.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
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.
- 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.
- No annual fee.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 14 months
|
0% Intro APR for 14 months
|
11.99% - 22.99% Variable APR
|
$0
|
Good/Excellent
|
- 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 any amount, any time. Rewards never expire.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- No annual fee.
- 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 6 months
|
0% Intro APR for 18 months
|
11.99% - 22.99% Variable APR
|
$0
|
Good/Excellent
|
- DCU’s Visa Platinum Credit Card offers a rate lower than you’ll find on most other bank or store cards. Annual fees or additional fees for balance transfers? You won’t find either of those here.
- Embedded EMV chip - this tiny chip protects your information in a big way.
- Mobile Wallet Compatible - works with Apple Pay®, Google Pay™, and Samsung® Pay.*
- Optional overdraft protection - We’ll transfer the balance of any overdrafts from your DCU checking account to your DCU Visa Platinum account up to your available limit.
- $0 Annual Fee
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
8.50% - 18% Variable
|
$0
|
Average/Good
|
+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.
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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