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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
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.
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We helped put over 100,000 cards in people's wallets in 2022
Match to cards with approval odds and apply with confidence
Over 47 years of experience helping people make smart financial decisions
Why choose Bankrate
We helped put over 100,000 cards in people's wallets in 2022
Match to cards with approval odds and apply with confidence
Over 47 years of experience helping people make smart financial decisions
The Bankrate Promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards .
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
0% for 15 months
Purchase intro APR
Regular APR
Intro offer
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.
1% - 5%
Rewards rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual fee
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases - automatically.
If you’re looking for a card that offers on-going value with no annual fee, this card may be an intriguing offer. You’ll get 5 percent cash back on rotating category purchases on up to $1,500 per quarter (activation required), then 1 percent. This is a ton of value for a card that may only require a 670 credit score.
Discover will automatically match all the cash back you've earned at the end of your first year and the $0 annual fee give this card a great deal of value.
The as low as 670 credit score requirement may make the card more accessible.
Cons
Earning 5 percent cash back is capped at $1,500 in purchases per quarter (activation required), then it earns 1 percent.
Maximizing your rewards can be complicated. You’ll need to keep track of rotating categories and enroll each quarter.
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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% intro on purchases for 15 months
Purchase intro APR
Regular APR
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
1% - 8%
Rewards rate
8% Cash Back on Capital One Entertainment purchases 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Cash Back on all other purchases
Annual fee
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
This is a top pick for foodies and families looking for an ultra-versatile rewards card. It not only comes with a solid intro APR offer, but also earns rewards in a terrific mix of everyday spending categories, giving it solid short- and long-term value.
Boasts a generous cash back rate in some of the most popular everyday spending categories, like dining and grocery stores, as well as on extras like entertainment.
You can pair the SavorOne with a Capital One travel card to squeeze even more value out of your points, making it a great foundation for your rewards strategy.
Cons
Its intro APR is relatively short, so it may not be your best option if you’re looking to get as much time as possible to pay off debt or finance purchases.
Its high-end APR is very high, rivaling the rate you’ll find on cards for people with bad credit. If you need to carry a balance beyond the intro APR period, look elsewhere.
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
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% for 12 months on Purchases
Purchase intro APR
Regular APR
N/A
Intro offer
Intro offer is not available for this Citi credit card.
N/A
Rewards rate
Rewards rate is not available for this credit card.
Annual fee
N/A
The Citi Diamond Preferred Card has one of the longest zero-APR introductory offers for balance transfers you’ll find. Get 21 months at 0 percent intro APR on balance transfers before the regular APR (18.24 percent to 28.99 percent variable) applies. Adding this card could give you a potentially useful tool for keeping your interest burden low. Read our full Citi Diamond Preferred Card review.
Pros
The introductory APR period on balance transfers is one of the longest you’ll find.
Cardholders with good to excellent credit may be eligible for a considerably low APR rate.
Cons
Card lacks a rewards program.
The 5 percent balance transfer fee (or $5, whichever is higher) is at the high end of what is typical (3 to 5 percent).
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 18.24% - 28.99%, 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.
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% intro APR for 21 months from account opening
Purchase intro APR
Regular APR
N/A
Intro offer
Intro offer is not available for this Wells Fargo credit card.
N/A
Rewards rate
Rewards rate is not available for this credit card.
Annual fee
N/A
An intro APR offer of 21 months and no annual fee are great reasons to check out the Wells Fargo Reflect Card. Cardmembers will enjoy a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
The long intro APR is for both purchases and qualifying balance transfers.
No annual fee and cellphone protection against damage or theft are adequate perks that add value to this card.
Cons
Unfortunately, this card doesn’t offer a chance to earn cash back or points on your purchases.
The card comes with a 3 percent foreign transaction fee.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
$0 Annual Fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
0% for 6 months
Purchase intro APR
Regular APR
Intro offer
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.
1% - 5%
Rewards rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
Annual fee
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases-automatically.
This card stands out for its combination of a lengthy intro APR on balance transfers and a solid cash back rewards program. It’s also one of the only dedicated balance transfer cards to feature a welcome offer: Discover automatically matches all the cash back you've earned at the end of your first year.
Combines a long intro APR period on balance transfers with a potentially low ongoing APR, making it a well-rounded option for managing debt
Its welcome offer is unique and should carry enough value to help offset much of the cost of your balance transfer
Cons
The card's intro APR period for purchases is shorter than the period you'll find on many competing cards, so it may not be the best option for new spending.
You'll have to activate rotating rewards categories each quarter to earn a top cash back rate, which could make this a high-maintenance card
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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% intro APR for 15 months from account opening
Purchase intro APR
Regular APR
Intro offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
2%
Rewards rate
Earn unlimited 2% cash rewards on purchases
Annual fee
2%
Earn unlimited 2% cash rewards on purchases
This card's competitive intro APR offers and flat rewards rate make it a solid choice if you’re looking for a way to earn cash rewards while keeping an eye on interest charges and fees. Since you can both minimize interest and earn rewards on new purchases, it’s a terrific pick for big-ticket items.
Its welcome offer is easy to earn and offers a better return on spend than many competing no-annual-fee rewards cards.
It doesn’t carry a ton of extra costs, charging a relatively low balance transfer fee and no annual fee or penalty APR.
Cons
Because of its 3 percent foreign currency conversion fee, it may not be the best card to use when traveling abroad.
Other rewards cards offer more pairing options and redemption flexibility, making them easier to fit into your rewards strategy.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% on purchases for 15 months
Purchase intro APR
Regular APR
Intro offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
1% - 3%
Rewards rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.
Annual fee
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
The Blue Cash Everyday Card from American Express is an excellent choice for families. Earn in bonus categories like groceries and gas. Without the annual fee, the cash back earned goes straight back into your pocket. Take advantage of the APR intro offer for purchases and earn generous cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases .
This card charges no annual fee, a rarity for American Express.
Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
Cons
Superstores like Walmart and Target don’t count for the U.S. supermarket bonus category.
The 2.7 percent foreign transaction fee will make family vacations abroad a little more expensive.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% Intro APR for 15 billing cycles for purchases
Purchase intro APR
Regular APR
Intro offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
1% - 3%
Rewards rate
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
Annual fee
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
This card not only has a potentially low variable APR, but also lets you choose your own cash back category. You can choose from a long list of eligible categories, including big purchase categories like furnishings and home improvements. Not many card bonus categories cover home improvement, so this is a great option if you're planning a remodel or repairs.
Offers a relatively long intro APR on purchases and balance transfers made within the first 60 days, so it’s a great choice whether you need to pay off debt or finance large purchases
You can change your highest-earning bonus category once per calendar month, allowing you to maximize your earnings even if your spending habits change.
Cons
The welcome offer carries a relatively high spending requirement. A few competing cards offer the same bonus value for half the spending in the same time frame.
You'll only earn a top cash back rate on your first $2,500 in spending each quarter, after which purchases earn just 1 percent back. That could make a 2 percent flat-rate card more rewarding long term.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% intro on purchases for 15 months
Purchase intro APR
Regular APR
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
1.5% - 5%
Rewards rate
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 1.5% cash back on every purchase, every day
Annual fee
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
A solid flat-rate rewards system and few fees make this card one to keep on your radar. You’ll also benefit from a plethora of redemption options, including checks, statement credits, gift cards or using the card’s automatic redemption feature to avoid keeping track of your rewards balance altogether.
This card does not charge an annual fee or a foreign transaction fees.
The welcome offer is fairly attainable, at a $500 required spend on purchases within the first three months to receive a $200 cash bonus.
Cons
Shorter intro APR offers on purchases and balance transfers than other cards.
Other cards on the market may have higher reward returns.
Earn a 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
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% Intro APR for 15 billing cycles for purchases
Purchase intro APR
Regular APR
Intro offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
1.5%
Rewards rate
Earn unlimited 1.5% cash back on all purchases.
Annual fee
1.5%
Earn unlimited 1.5% cash back on all purchases.
This card is an ideal fit if you have at least $20,000 in savings in a Bank of America or Merrill account, qualifying you for at least the first tier of the Preferred Rewards Program. This program gives your card a boosted cash back rate on all purchases.
Earns at least 1.5 percent back on all purchases, with the potential to boost this rate.
One of few cards to offer rewards alongside a lengthy intro APR period.
Cons
Has a foreign transaction fee, so it isn’t a good card to take abroad.
You’ll need substantial savings in a qualifying Bank of America or Merrill account to earn the boosted cash back rate.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don't expire.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Recommended Credit
chance of approval
0% intro for 15 months on Purchases
Purchase intro APR
Regular APR
Intro offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
1X - 5X
Rewards rate
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X ThankYou® Points on All Other Purchases.
Annual fee
5X
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+ Card offers three things that thrifty consumers will appreciate: low regular APR (18.74 percent to 28.74 percent variable APR), an easy way to earn rewards on everyday purchases and no annual fee. The rewards points round up to the nearest 10 points on every purchase is another generous feature that adds even more value to the card.
The points roundup to the nearest 10 points on every purchase feature adds major value.
Get an intro zero percent APR on purchases for the first 15 months after account opening (then 18.74 percent to 28.74 percent variable APR).
Cons
ThankYou points can’t be transferred to any travel partners.
There’s a $6,000 yearly cap for earning 2X points on supermarket and gas station purchases, then it drops to 1X.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, 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 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
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.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
A closer look at Bankrate’s top low-interest credit cards
Discover it® Cash Back: Best for cash back
What we love about the Discover it® Cash Back: With the Cashback Match™ feature, Discover will match all the cash back you’ve earned at the end of your first year. Furthermore, the first-year rewards from Cashback Match can be a true windfall, especially if you often maximize bonus categories.
Who this card is good for: Anyone who’s looking for a low-interest cash back card and is content with waiting for the new cardholder bonus.
Alternatives: If you want to earn cash back but don’t want to deal with the hassle of activating bonus categories every quarter, tracking spending restrictions, and modifying your spending patterns, the Petal® 2 “Cash Back, No Fees” Visa® Credit Card may be a more straightforward option than the Discover it® Cash Back.
Capital One SavorOne Cash Rewards: Best for long-term value
What we love about Capital One SavorOne: It offers a terrific mix of everyday rewards categories, making it one of your best bets for ongoing value after your intro APR period comes to an end.
Who this card is good for: Anyone looking to chip away at debt or finance new purchases without sacrificing everyday rewards.
Alternatives: The Blue Cash Everyday® Card from American Express carries a potentially low ongoing APR, a solid welcome offer and an impressive rewards rate at U.S. online retailers, U.S. gas stations and U.S. supermarkets. The online retailer category is especially unique and could hold a ton of value for some shoppers.
Citi Diamond Preferred: Best for balance transfers
What we love about the Citi Diamond Preferred: It has one of the longest intro APR offers available for balance transfers made in the first 60 days, making it a great option if you’re looking to maximize your breathing room as you pay down debt.
Who it’s for: People who are focused on paying off credit card debt can benefit most from this card despite the fact that it has no rewards or welcome offer. While this limits the card’s long-term value, its long intro APR offer can help you pay off debt with minimal extra costs.
Alternatives: If you want a low-interest balance transfer card that also offers rewards, consider the Discover it® Balance Transfer, which not only carries an intro APR on balance transfers, but also comes with bonus cash back in a mix of rotating categories.
Wells Fargo Reflect Card: Best for long intro APR offers
What we love about the Wells Fargo Reflect card: The chance to have a period of 21 months to pay off expenses or debt. 0 percent intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24 percent, 24.74 percent, or 29.99 percent variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5. This card is a great option if you need a break from paying interest charges for an extended period of time.
Who this card is good for: Anyone looking to finance a large purchase or refinance high-interest debt.
Alternatives: If you don't mind a brief intro APR period, the Chase Freedom Unlimited Card may be a better alternative — especially if you want to have the chance to earn rewards.
Discover it® Balance Transfer: Best for first-year value
What we love about the Discover it Balance Transfer card: It boasts a unique welcome offer that could carry a ton of value, especially if you’re looking to save on the cost of a balance transfer. It also charges limited fees and gives you a chance at a potentially low ongoing APR.
Who this card is good for: Anyone who wants to minimize interest charges without sacrificing long-term value.
Alternatives: If you're looking for a low-interest card with a simpler rewards structure, consider the Bank of America® Unlimited Cash Rewards credit card, which offers unlimited 1.5 percent cash back on all purchases.
Wells Fargo Active Cash® Card: Best for large purchases
What we love about Active Cash: Along with this card’s terrific, low-maintenance flat cash rewards rate, you can take advantage of a solid intro APR offer on both purchases and qualifying balance transfers.
Who this card is good for: People who want to earn rewards on everyday spending while chipping away at outstanding balances
Alternatives: If you don't mind keeping track of rotating bonus categories, the Discover it® Cash Back card could be a good alternative since it offers an intro APR for balance transfers and purchases, a chance at a low ongoing APR and a mix of practical and popular spending categories.
Blue Cash Everyday Card from American Express: Best for families
What we love about the Blue Cash Everyday Card from American Express: Most welcome offers provide three months to meet the spending requirement, but not this one. With the Blue Cash Everyday Card, you can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
Who this card is good for: People whose daily routines involve a lot of mealtimes and motoring around. This no-annual-fee card can help you earn considerable cash back at U.S. supermarkets and U.S. gas stations, as well as U.S. online retail purchases.
Alternatives: If you don't plan to spend much on gas or groceries, a more flexible cash back card, such as the Discover it® Cash Back, for example, may be preferable.
Bank of America Customized Cash Rewards: Best for home improvement
What we love about the Customized Cash Rewards card: It has a lot of flexibility for a low-interest card. Along with hard-to-find bonus categories like home improvement, the card's list of eligible categories covers everyday spending like gas and dining, giving it terrific short- and long-term value.
Who this card is good for: People who enjoy strategizing about where and when to buy to maximize their earnings each month
Alternatives: If you don't want to keep track of your spending each month to maximize rewards, consider a card with a higher base cash back rate like the Chase Freedom Unlimited* card. It not only offers bonus rewards in popular everyday categories like dining, but also a flat 1.5 percent cash back rate for all general purchases.
Capital One Quicksilver Cash Rewards Credit Card: Best for streamlined rewards
What we love about the Capital One Quicksilver Cash Rewards card: This card is fairly well-rounded, with decent flat-rate rewards, a reasonable regular variable APR range and few fees. If you want a no-fuss card that earns steady cash back rewards on everyday purchases, the Quicksilver Cash Rewards is a notable consideration for your wallet.
Who this card is good for: Consumers who want to earn solid flat-rate rewards on all purchases and have multiple options to redeem earnings.
Alternatives: The Chase Freedom Flex Card is an excellent pick if you prefer to strategize and earn even more cash back by tracking and managing bonus categories.
Bank of America® Unlimited Cash Rewards: Best for big savers
What we love about Bank of America Unlimited Cash Rewards card: If you can take advantage of the Preferred Rewards Program, this could be one of the most rewarding low-interest cards on the market.
Who this card is good for: Bank of America customers who qualify for the Preferred Rewards Program and its best-in-class cash back rates.
Alternatives: If you don’t have substantial savings or investments in a qualifying Bank of America or Merrill account, you might want to consider a low-interest card with a higher cash back rate or multiple bonus categories. The Discover it® Cash Back card could be a great alternative thanks to its combination of solid intro APR offers and great mix of rotating categories.
What we love about the Citi Rewards+ card: The combination of the intro APR offer on both purchases and balance transfers with its rewards program makes the Citi Rewards+ Card a solid option for frugal shoppers. Also, the Citi Rewards+ is the only card that automatically rounds your points up to the nearest 10 points on every purchase with no cap.
Who this card is good for: People who want a low-interest card that also earns rewards on everyday spending.
What we love about the BankAmericard: It carries a potentially low ongoing APR and one of the longest introductory APR periods on the market, making it a great first option if you’re looking to save on interest.
Who this card is good for: Anyone looking to pay off debt or finance new purchases, though it makes the most sense if you’d rather have a long intro APR than ongoing rewards.
Alternatives: The Wells Fargo Reflect® Card also boasts a very long intro APR period on both purchases and qualifying balance transfers, and it may make more sense if you’d like to switch to one of that issuer’s rewards cards in the future.
*The information about the BankAmericard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
What we love about the Gold Visa Card: You’ll enjoy one of the lowest ongoing variable APRs on the market. That makes this card one of your best bets if you think you’ll need to carry a balance long term.
Who this card is good for: People looking for both a decent intro APR period on balance transfers and a low ongoing APR after that.
Alternatives: This card is a great option if you need to carry a balance long term and want to keep interest charges low, but if a long intro APR period or rewards are more important to you, consider the Bank of America® Unlimited Cash Rewards credit card. It comes with a long intro APR offer, a low balance transfer fee and a decent flat cash back rate on all purchases.
A low-interest credit card is defined by its APR (annual percentage rate), which can be either variable or fixed. If the low end of the variable percentage is around 12 percent to 14 percent, it generally qualifies as a low-interest card. Most credit cards are variable-rate credit cards, meaning their APRs fluctuate alongside the prime rate.
Given the cost of credit card interest, it’s important to minimize your exposure to interest charges or avoid them altogether. Bankrate estimates the average credit card interest rate around 20 percent. Paying your balance on time and in full every month is the surest way to avoid interest and the method that we recommend. On the other hand, a low-interest card could help you pay less in interest if you do carry a balance.
Understanding your card’s interest rate
Although annual percentage rates are expressed on a yearly basis, you’ll be charged each month as long as you carry a credit card balance. Your card’s APR will typically be listed on your monthly credit card statement. It can appear fairly straightforward at first glance but understanding how that percentage applies to your current balance requires some calculations. For example, if you currently owe $500 and your card’s APR is 15 percent, you’ll find that you owe $6.25 in interest for the month. The formulas are as follows:
15% APR ÷ 12 months = 1.25% monthly interest, 1.25% x $500 = $6.25 in interest.
Pros and cons of low-interest credit cards
Pros
You’ll save on interest: Lower-than-average interest rates mean that if you carry a credit card balance, you won’t incur as much in interest charges.
You can save on existing credit card debt: By completing a balance transfer to a low-interest credit card, you can save yourself a lot on interest payments and consolidate high-interest credit card debt to one place, making your debt payoff journey simpler.
Ideal for large purchases: If you plan to make a large purchase but may need some time to pay it off, a low interest credit card can be a helpful tool to reduce the risk of accruing hefty interest charges.
Cons
Limited rewards: Low-interest cards typically come with limited rewards programs. If you’re looking for a card to help you accumulate high amounts of points, miles or cash back, it’s best to look elsewhere.
Credit requirements: The credit scores needed to qualify for most low-interest cards trend toward good-to-excellent. If you’re not at the good-to-excellent level yet, you should aim to improve your credit score.
Long-term value: While low interest credit cards are quite helpful in the correct situation, the lack of long-term premium perks and benefits may eventually leave some individuals wanting more.
Who should get a low-interest credit card?
Credit cards with low interest rates can come in handy for certain types of people in certain situations. Consider a low-interest credit card if you find yourself in these scenarios:
The best strategy to avoid interest is to not carry a balance on your credit card, period, even though that might not be possible in every situation. One advantage of low-interest cards is that if you wind up carrying a balance, the interest could be less costly. If you occasionally can’t pay your balances off in full or you’re a first-time cardholder worried about that possibility, a low interest rate might prove reassuring.
A balance transfer could help you save hundreds of dollars that would otherwise have gone toward paying off high-interest credit card debt. Even if the introductory offer is low-interest rather than zero-interest, you'd save money as long as the intro rate is lower than what you're currently paying. To see what the balance transfer process might look like, you can use Bankrate's Credit Card Balance Transfer Calculator.
In cases where you know you have a large purchase coming up, a low-interest card — or even better, a zero-interest card with a solid introductory offer on purchases — could be a smart choice.
Still unsure if a low-interest credit card is right for you? Check out our Credit Card Spender Type Tool, where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.
Tips on choosing the best low-interest card for you
It’s best to always pay your credit card balance in full each month, but if you’re unable to and you still want to save, a low-interest card is the way to go. To take full advantage of all of the benefits of a low-interest card and to find the best card for you, follow the steps below.
Step 1: Build your credit to a good/excellent level
People with higher credit scores tend to qualify for lower interest rates on any kind of loan, including credit cards. If your credit is fair or bad, you may not qualify for the most advantageous rates. The first step is to find out what your current score is and check for any issues or errors on your credit report. If your credit needs work, stick to a long-term strategy for improving your credit score.
Step 2: Explore all of your options
One of the keys to finding a low-interest card is how you compare and evaluate these offers. Go online to sort through your viable options and contact your bank or credit union to see what’s available to you. Find cards in your range, weigh the perks, and pay attention not only to the low ends of the variable APRs but also the high end.
Step 3: Look for pre-qualified offers
A pre-qualified offer involves an initial evaluation before beginning the actual process of applying. With pre-qualification, you won't be subject to a hard inquiry that can temporarily lower your credit score. You can also check out Bankrate’s CardMatch™ tool to see which offers fit you best without impacting your credit score.
Expert advice for low-interest cards
How to reduce the credit card interest you pay
One of the common misconceptions about credit cards is that they can be dangerous to your financial health. The truth is that credit cards themselves aren’t bad, but if you’re not careful, interest can quickly plunge you into debt. Low-interest cards are a great way to avoid hefty interest charges. Follow the tips below to keep interest payments at bay with your low-interest credit card:
Pay off your balances: Low-interest cards are great for times when it becomes necessary to carry a credit card balance from month to month, but if you use your credit card wisely, interest payments don’t have to be a part of the equation at all. Paying the total of your credit card balance each month allows you to avoid interest charges altogether.
Consolidate debt to a low-interest card: If you find yourself with a balance on one or more credit cards with high-interest rates, consider moving that debt to a single low-interest card, if possible. Completing a balance transfer can help reduce the amount you’ll pay in interest and simplify the debt repayment process.
Keep future spending in mind: If you plan to finance a significant purchase on a credit card, be sure to keep low-interest cards top of mind. You can save on interest and pay less over time with a low-interest card.
Negotiate your interest rate: If you're dead set on finding a way to lower your credit card interest rate, contact your issuer. You can call and ask to lower your interest rate or even negotiate a new payment plan entirely. If you've generally been on time with your payments and have been a loyal customer, use those points in making your case. With the right approach, you could be successful in lowering your rate.
How we assess the best low-interest credit cards
Bankrate scores individual cards using a 5-star system that measures their overall quality and value. For low-interest cards, we highlighted essential criteria including APRs, introductory APR offers, annual fees and balance transfer offers.
APRs
Standard APRs can range from below 10 percent to above 20 percent. A penalty APR is the rate you would incur if you were late in making a payment, and it could approach 30 percent. With low-interest at the top of mind, we pay particular attention to APR in all its forms.
0% introductory APR offers
This temporary interest-free period can significantly help cardholders who are looking to use the card as a tool to pay down debt or pay off a forthcoming large purchase.
Annual fee
Is the card’s annual fee worth it? Do the rewards and benefits justify the expense? We take annual fees into account when judging a card’s overall value.
Frequently asked questions about low-interest credit cards
Your creditworthiness and financial health play an essential role in the interest rate of your credit card. If you have good credit, your APR (or interest rate) may be lower than if your credit score needs some work. The higher your credit score, the lower your interest rate could be.
An easy way to determine whether your card has a desirable interest rate is to take a look at average credit card APRs and see how your rate compares. Currently, anything at or under 16 percent qualifies as a good interest rate for most consumers.
With low-interest credit cards, the ongoing interest rate after any intro APR period is lower than most other credit cards, on average. On the other hand, 0 percent interest credit cards are only zero-interest for a certain time after opening the account, and then the regular APR kicks in, which may or may not be low.
In most circumstances, yes. A low interest rate can be a very valuable tool in tackling credit card debt, and sometimes negotiation with your card provider is the best way to make it happen. Accruing interest costs you money, so take the necessary steps to save.
If you're dead set on finding a way to lower your credit card interest rate, contact your issuer. You can call and ask to lower your interest rate or even negotiate a new payment plan entirely. If you've generally been on time with your payments and have been a loyal customer, use those points in making your case. With the right approach, you could be successful in lowering your rate.
Technically, any credit card can be low interest as long as you pay off your balance in full every month. If you never carry a balance, your interest rate is effectively zero percent.
When those ideal circumstances don't apply, however, you might consider a credit card with a favorable low-end APR range.
Before you call up your card issuer and ask them to waive interest, you need to review your creditworthiness and financial health. If you do not regularly carry a balance and do not usually pay interest, there is a chance that your issuer may waive your interest charge.
People make mistakes. Sometimes we forget to pay a bill, or we miss that grace period by a day. In times of widespread economic uncertainty, credit card issuers are offering assistance more than usual.
However, if you have a substantial balance, your issuer may be less likely to waive interest or late fees. If this is the case, a balance transfer card may be worth considering to help avoid APR temporarily while you chip away at your debt. The only way to know if your credit card company will waive your interest is to ask, but make sure to keep your personal credit history in mind as you do.
Credit card interest rates are influenced by the Federal Reserve’s prime rate, and the prime rate changes based on the judgment of federal regulators. Such decisions are largely based on the state of the national economy.
If you have an outstanding balance on your credit card, or you tend to carry a balance from month to month, falling interest rates can be welcome news. However, the only sure way to reduce the cost of credit card interest is to avoid it altogether by paying your entire balance each month.
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
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