Skip to Main Content

Best Low-Interest credit cards for April 2024

Updated April 12, 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.

Info
Best for long intro APR offers
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro APR for 21 months from account opening

Purchase intro APR

Regular APR

N/A

Intro offer

Info

N/A

Rewards rate

Info

Annual fee

Best for rotating-category cash back
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1% - 5%

Rewards rate

Info

Annual fee

Info
Best for home improvement
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% Intro APR for 15 billing cycles for purchases

Purchase intro APR

Regular APR

Intro offer

Info

1% - 3%

Rewards rate

Info

Annual fee

Info
BEST FOR BANK OF AMERICA CUSTOMERS
Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% Intro APR for 15 billing cycles for purchases

Purchase intro APR

Regular APR

Intro offer

Info

1.5%

Rewards rate

Info

Annual fee

Info
BEST FOR FAMILIES
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1% - 3%

Rewards rate

Info

Annual fee

Best balance transfer card with rewards
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% for 6 months

Purchase intro APR

Regular APR

Intro offer

Info

1% - 5%

Rewards rate

Info

Annual fee

Info
Best for dining and grocery rewards
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1% - 8%

Rewards rate

Info

Annual fee

Info
Best for large purchases
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro APR for 15 months from account opening

Purchase intro APR

Regular APR

Intro offer

Info

2%

Rewards rate

Info

Annual fee

Info
Best 1.5% cash back card
Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Info
Best for balance transfers
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% for 12 months on Purchases

Purchase intro APR

Regular APR

N/A

Intro offer

Info

N/A

Rewards rate

Info

Annual fee

Best for flat and bonus cash back rates
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% Intro APR on Purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Info
BEST FOR EVERYDAY SPENDING
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro for 15 months on Purchases

Purchase intro APR

Regular APR

Intro offer

Info

1X - 5X

Rewards rate

Info

Annual fee

Best credit union card
Image of Gold Visa® Card

Gold Visa® Card

*
Good to Excellent (670 – 850)
Info
Recommended Credit

N/A

Intro offer

Info

N/A

Rewards Rate

Info

Annual fee

Regular APR

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
Info
Regular APR: 17.24% - 28.24% Variable APR

Rotating-category cash back

4.4 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site
Intro Offer: $200
Info
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers

Best for home improvement

4.3 / 5

Info
(Read card review)
Apply now Lock
on Bank of America's secure site
Intro Offer: $200
Info
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers

Bank of America Customers

3.8 / 5

Info
(Read card review)
Apply now Lock
on Bank of America's secure site
Intro Offer: Earn $200
Info
Regular APR: 19.24% - 29.99% Variable

Families

4.6 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Intro Offer: Cashback Match
Info
Regular APR: 17.24% - 28.24% Variable APR

Balance transfers and cash back

4.6 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site
Intro Offer: $200
Info
Regular APR: 19.99% - 29.99% (Variable)

Dining and grocery rewards

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Intro Offer: $200 cash rewards
Info
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR

Large purchases

4.3 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site
Intro Offer: $200
Info
Regular APR: 19.99% - 29.99% (Variable)

1.5% cash back

3.8 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Intro Offer: N/A
Regular APR: 18.24% - 28.99% (Variable)

Balance transfers

4.1 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site
Intro Offer: Up to $300 cash back
Info
Regular APR: 20.49% - 29.24% Variable

Flat and bonus cash back rates

5.0 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site
Intro Offer: 20,000 points
Info
Regular APR: 18.74% - 28.74% (Variable)

Everyday spending

4.0 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site