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4.4/5.0 from 328 Offer Ratings
Over the Past 60 Days!
Intro Purchase APR
0% for 18 months on Purchases
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase APR
14.74% - 24.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Diamond Preferred® Card
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Regular Purchase APR
13.99% – 23.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Double Cash Card – 18 month BT offer
0% Intro APR
0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.
Rewards
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, 1% unlimited cash back on all other purchases - automatically
Cashback Match™
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.
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Cash Back
Sign-up Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Introductory APR
0% Intro APR on Purchases for 15 months
Regular APR
14.99% - 23.74% Variable
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Chase Freedom Flex℠
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Intro BT APR
0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Cash Rewards credit card
Introductory APR
0% Intro APR for 15 months
Sign-up Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Regular APR
14.99% - 23.74% Variable
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Chase Freedom Unlimited®
Introductory APR
0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
Regular Purchase APR
15.49% - 25.49% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Cash Rewards Credit Card
Intro APR
0% for 15 months on purchases and balance transfers
Sign Up Bonus
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Regular Purchase APR
13.49% - 23.49% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Rewards+℠ Card
Intro APR
0% for 14 Months on purchases and balance transfers*
Rewards Rate
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Ongoing APR
11.99% - 22.99% Variable*
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® chrome
Sign Up Bonus
Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Rewards
Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.
Intro APR
0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)
Typical Credit Needed
Annual Fee
$0*
Card Brand
Visa®
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
Intro Purchase APR
0% intro APR for 20 billing cycles on Purchases*
Intro BT APR
0% intro APR for 20 billing cycles on Balance Transfers*
Regular Purchase APR
13.99% - 23.99%* (Variable)
Typical Credit Needed
Annual Fee
$0*
Card Brand
Visa®
See additional details for U.S. Bank Visa® Platinum Card
0% Intro APR
0.0% Introductory APR for the first 6 months your account is open, then 12.99% (Variable)
Build Credit
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Typical Credit Needed
Annual Fee
$49
Card Brand
Mastercard®
See additional details for Assent Platinum 0% Intro Rate Mastercard Secured Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.
Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR. Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.
Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.
The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.