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Best Low-Interest credit cards for July 2024

Updated June 27, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

Paying your credit card bill in full each month will allow you to avoid interest entirely, but we know that's not always possible. If you sometimes carry a balance, a low-interest credit card can help you save money and pay down your balance more quickly. To see how much you can save with a low-interest credit card, use our credit card interest calculator. Then, check out our recommendations for the best low-interest credit cards from our partners.

Best for long intro APR offers

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Intro offer

Info

N/A

Rewards rate

Info

N/A

Why you’ll like this card: It boasts one of the longest intro APR offers on the market, plus a chance at a low APR afterward based on your creditworthiness.

Best for rotating-category cash back

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Purchase intro APR

0% for 15 months

Regular APR

18.24% - 28.24% Variable APR

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Why you’ll like this card: It offers solid short- and long-term value with its combo of an intro APR, first-year Cashback Match and rotating categories.

Best for home improvement

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Intro offer

Info

$200

Rewards rate

Info

1% - 3%

Why you’ll like this card: It lets you choose which categories earn rewards year-round, unlike other rotating category cards.

Best for Bank of America customers

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Purchase intro APR

0% Intro APR for 15 billing cycles for purchases

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Intro offer

Info

$200

Rewards rate

Info

1.5%

Why you’ll like this card: You can earn up to a 2.62 percent flat cash back rate based on your savings — one of the highest rates on the market.

Best for families

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Purchase intro APR

0% on purchases for 15 months

APR

19.24% - 29.99% Variable

Intro offer

Info

Earn $200

Rewards rate

Info

1% - 3%

Why you’ll like this card: It offers a great balance of rewards value and interest savings.

Best for dining and grocery rewards

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Why you’ll like this card: It holds great long-term value as one of the only cards that earns rewards at such a high rate at both grocery stores and restaurants.

Best for large purchases

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Intro offer

Info

$200 cash rewards

Rewards rate

Info

2%

Why you’ll like this card: You can pay off purchases over time with its intro APR without sacrificing rewards on everyday spending.

Best 1.5% cash back card

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Why you’ll like this card: Its flat rewards rate and low cost make it a great foundation for a Capital One rewards stack.

Best for balance transfers

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Purchase intro APR

0% for 12 months on Purchases

Regular APR

18.24% - 28.99% (Variable)

Intro offer

Info

N/A

Rewards rate

Info

N/A

Best for flat and bonus cash back rates

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

20.49% - 29.24% Variable

Intro offer

Info

Up to $300 cash back

Rewards rate

Info

1.5% - 5%

Why you’ll like this card: Its mix of bonus categories makes it easy to earn travel rewards even if you don’t spend heavily on travel.

Best for everyday spending

Bankrate score

Rating: 4 stars out of 5
4.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Purchase intro APR

0% intro for 15 months on Purchases

Regular APR

18.74% - 28.74% (Variable)

Intro offer

Info

20,000 points

Rewards rate

Info

1X - 5X

Why you’ll like this card: Since it earns rewards on everyday purchases, it should offer solid long-term value even after the intro APR period ends.

Best credit union card

Image of Gold Visa® Card

Gold Visa® Card

*
Recommended credit score: 670 - 850
Info

Intro offer

Info

N/A

Rewards Rate

Info

N/A

Annual fee

$0

Regular APR

17.99% Variable APR

Why you’ll like this card: It carries a relatively low ongoing APR and its simplicity make it easy to focus on paying off your balance.

Compare Bankrate’s top low-interest credit cards

Card Name Variable APR Best for Bankrate review score
Intro Offer: N/A
Regular APR: 18.24%, 24.74%, or 29.99% Variable APR

Long intro APR offers

4.3 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site
Intro Offer: Cashback Match