Best Low Interest and 0% Intro APR Credit Cards of 2018

Virginia C. McGuire

Last updated on May 7, 2018

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Use the right card and score major interest savings on a big purchase or balance transfer.

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Our pick for

0% intro period and late fee waiver

HSBC Gold Mastercard

on HSBC's secure website

Rates & Fees

on HSBC's secure website

Rates & Fees
Annual Fee

$0

Regular APR

12.99%, 16.99% or 20.99% variable APR

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

recommended credit score

Our pick for

0% intro period and flat-rate cash back

Capital One Quicksilver Credit Card

on Capital One's secure website

on Capital One's secure website

Annual Fee

$0

Regular APR

14.74% - 24.74% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Our pick for

0% intro period and bonus category cash back

Chase Freedom Credit Card

on Chase's secure website

on Chase's secure website

Annual Fee

$0

Regular APR

16.99% - 25.74% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Our pick for

0% intro period and low fees

Discover it Credit Card

on Discover's secure website, or call (800) 347-0264

Rates & Fees

on Discover's secure website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

13.99% - 24.99% Variable APR

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

recommended credit score

Our pick for

0% intro period for transfers plus rewards

Citi® Double Cash Card

on Citibank's secure application

on Citibank's secure application

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% on Balance Transfers for 18 months

recommended credit score

Our pick for

Longest 0% intro APR period

US Bank Visa Platinum Credit Card

on US Bank's secure website

Rates & Fees

on US Bank's secure website

Rates & Fees
Annual Fee

$0

Regular APR

11.99% - 23.99% Variable APR

Intro APR

0%* on purchases and balance transfers for 20 billing cycles*

recommended credit score

Our pick for

0% intro period and entertainment rewards

Citibank ThankYou Preferred Credit Card

on Citibank's secure application

on Citibank's secure application

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Our pick for

Low interest and low fees

Barclaycard Ring MasterCard Credit Card

on Barclays's secure website

Rates & Fees

on Barclays's secure website

Rates & Fees
Annual Fee

$0

Regular APR

13.99% Variable APR

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply

recommended credit score

Our pick for

Low ongoing interest

Lake Michigan Credit Union Prime Platinum Visa Credit Card

on Lake Michigan Credit Union's secure website

on Lake Michigan Credit Union's secure website

Annual Fee

$0

Regular APR

8.25% Variable

Intro APR

N/A

recommended credit score

Our pick for

Low interest for military

USAA Rate Advantage Platinum Visa® Credit Card

on USAA's secure website

on USAA's secure website

Annual Fee

$0

Regular APR

8.90% - 25.90% Variable APR

Intro APR

N/A

recommended credit score

Our pick for

Low interest for bad credit

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

on Digital Federal Credit Union's secure website

on Digital Federal Credit Union's secure website

Annual Fee

$0

Regular APR

13.25% Variable APR

Intro APR

N/A

recommended credit score

Summary of Best Low Interest and 0% Intro APR Credit Cards of 2018

Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
HSBC Gold Mastercard

HSBC Gold Mastercard® credit card

on HSBC's secure website

0% intro period and late fee waiver0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.12.99%, 16.99% or 20.99% variable APR$0

on HSBC's secure website

Capital One Quicksilver Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

on Capital One's secure website

0% intro period and flat-rate cash back0% on Purchases and Balance Transfers for 15 months14.74% - 24.74% Variable APR$0

on Capital One's secure website

Chase Freedom Credit Card

Chase Freedom®

on Chase's secure website

0% intro period and bonus category cash back0% on Purchases and Balance Transfers for 15 months16.99% - 25.74% Variable APR$0

on Chase's secure website

Discover it Credit Card

Discover it® Balance Transfer

on Discover's secure website, or call (800) 347-0264

0% intro period and low fees0% on Purchases for 6 months and 0% on Balance Transfers for 18 months13.99% - 24.99% Variable APR$0

on Discover's secure website, or call (800) 347-0264

Citi® Double Cash Card

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure application

0% intro period for transfers plus rewards0% on Balance Transfers for 18 months15.49% - 25.49% Variable APR$0

on Citibank's secure application

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

on US Bank's secure website

Longest 0% intro APR period0%* on purchases and balance transfers for 20 billing cycles*11.99% - 23.99% Variable APR$0

on US Bank's secure website

Citibank ThankYou Preferred Credit Card

Citi ThankYou® Preferred Card

on Citibank's secure application

0% intro period and entertainment rewards0% on Purchases and Balance Transfers for 15 months15.49% - 25.49% Variable APR$0

on Citibank's secure application

Barclaycard Ring MasterCard Credit Card

Barclaycard Ring® Mastercard®

on Barclays's secure website

Low interest and low fees0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply13.99% Variable APR$0

on Barclays's secure website

Lake Michigan Credit Union Prime Platinum Visa Credit Card

Lake Michigan Credit Union Prime Platinum Card

on Lake Michigan Credit Union's secure website

Low ongoing interestN/A8.25% Variable$0

on Lake Michigan Credit Union's secure website

USAA Rate Advantage Platinum Visa® Credit Card

USAA® Rate Advantage Visa Platinum® Card

on USAA's secure website

Low interest for militaryN/A8.90% - 25.90% Variable APR$0

on USAA's secure website

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

Digital Federal Credit Union Visa Platinum Secured Credit Card

on Digital Federal Credit Union's secure website

Low interest for bad creditN/A13.25% Variable APR$0

on Digital Federal Credit Union's secure website

Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
HSBC Gold Mastercard

HSBC Gold Mastercard® credit card

on HSBC's secure website

0% intro period and late fee waiver0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.12.99%, 16.99% or 20.99% variable APR$0

on HSBC's secure website

Capital One Quicksilver Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

on Capital One's secure website

0% intro period and flat-rate cash back0% on Purchases and Balance Transfers for 15 months14.74% - 24.74% Variable APR$0

on Capital One's secure website

Chase Freedom Credit Card

Chase Freedom®

on Chase's secure website

0% intro period and bonus category cash back0% on Purchases and Balance Transfers for 15 months16.99% - 25.74% Variable APR$0

on Chase's secure website

Discover it Credit Card

Discover it® Balance Transfer

on Discover's secure website, or call (800) 347-0264

0% intro period and low fees0% on Purchases for 6 months and 0% on Balance Transfers for 18 months13.99% - 24.99% Variable APR$0

on Discover's secure website, or call (800) 347-0264

Citi® Double Cash Card

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure application

0% intro period for transfers plus rewards0% on Balance Transfers for 18 months15.49% - 25.49% Variable APR$0

on Citibank's secure application

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

on US Bank's secure website

Longest 0% intro APR period0%* on purchases and balance transfers for 20 billing cycles*11.99% - 23.99% Variable APR$0

on US Bank's secure website

Citibank ThankYou Preferred Credit Card

Citi ThankYou® Preferred Card

on Citibank's secure application

0% intro period and entertainment rewards0% on Purchases and Balance Transfers for 15 months15.49% - 25.49% Variable APR$0

on Citibank's secure application

Barclaycard Ring MasterCard Credit Card

Barclaycard Ring® Mastercard®

on Barclays's secure website

Low interest and low fees0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply13.99% Variable APR$0

on Barclays's secure website

Lake Michigan Credit Union Prime Platinum Visa Credit Card

Lake Michigan Credit Union Prime Platinum Card

on Lake Michigan Credit Union's secure website

Low ongoing interestN/A8.25% Variable$0

on Lake Michigan Credit Union's secure website

USAA Rate Advantage Platinum Visa® Credit Card

USAA® Rate Advantage Visa Platinum® Card

on USAA's secure website

Low interest for militaryN/A8.90% - 25.90% Variable APR$0

on USAA's secure website

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

Digital Federal Credit Union Visa Platinum Secured Credit Card

on Digital Federal Credit Union's secure website

Low interest for bad creditN/A13.25% Variable APR$0

on Digital Federal Credit Union's secure website

HOW THEIR INTEREST RATES STACK UP

Card Our pick for .. APR
U.S. Bank Visa® Platinum Card Longest 0% intro APR period 0% on Purchases for 20 billing cycles and 0% on Balance Transfers for 20 months, and then the ongoing APR of 11.99% - 23.99% Variable APR
Chase Freedom® 0% intro period and bonus category cash back 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.99% - 25.74% Variable APR
Discover it® Balance Transfer 0% intro period and low fees 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 24.99% Variable APR
Capital One® Quicksilver® Cash Rewards Credit Card 0% intro period and flat-rate cash back 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 14.74% - 24.74% Variable APR
HSBC Gold Mastercard® credit card 0% intro period and late fee waiver 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a 12.99%, 16.99% or 20.99% variable APR
Citi ThankYou® Preferred Card 0% intro  period plus entertainment rewards 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.49% - 25.49% Variable APR
Lake Michigan Credit Union Prime Platinum Card Low ongoing interest The ongoing APR is 8.25% Variable
Barclaycard Ring® Mastercard® Low interest plus low fees 0% on Balance Transfers for 15 months on balance transfers made within 45 days of account opening, and then the ongoing APR of 13.99% Variable APR
USAA® Rate Advantage Visa Platinum® Card Low interest for military The ongoing APR is 8.90% - 25.90% Variable APR
Digital Federal Credit Union Visa Platinum Secured Credit Card Low interest for bad credit The ongoing APR is 13.25% Variable APR

How to choose a 0% or low-interest credit card

When choosing a 0% or low-interest card, let your specific needs be your guide:

  • If you're looking for a low-interest card because you have a big purchase coming up and will need time to pay it off, your best bet is a card with a lengthy 0% introductory APR period. Many rewards cards offer a year or more at 0%, which allow you to collect rewards on your purchase, then pay it off interest-free.
  • If you find you're consistently carrying a balance a from month to month, look for a card with a low ongoing interest rate. Cards with an introductory 0% period tend to charge higher rates down the road.
  • If you want to transfer a balance from a high-interest card to pay it down at a lower cost, you'll want a card with a 0% intro period and a low (or no) balance transfer fee. Many of the cards on this list are good for transfers, but check out our best balance transfer credit cards for further options.

For more, see our guide to choosing a 0% credit card.

Making the most of your 0% or low-interest card

If your card has a 0% intro period, strive to eliminate as much debt as possible before that introductory period ends and the interest resets to its ongoing rate. A 0% card should be a tool for getting rid of debt, not just a place to park debt and forget about it. If you find yourself moving debt from one 0% card to another but never paying it down, it's time to consider other debt solutions.

Although a card with a low ongoing rate can save you a lot of money over time, you're still paying interest. Apply those savings toward whittling down your debt faster. Saving, say, $20 a month on interest means you have $20 more you can use to reduce the balance on your credit card and move that much closer to freedom.

With any card, watch your balance. For the sake of your credit scores, it's best to keep your balance under 30% of the credit limit on the card. Under 10% is even better. When balances rise above 30% of credit limits, scoring formulas start to interpret that as a sign of financial stress.

Other cards to consider

Looking to transfer a balance to save money? Our roundup of the best balance transfer cards evaluates cards — including many of the cards on this page — with that specific goal in mind.

Do you even need a low-interest card? You might not. If you pay your balance in full every month, the APR on your credit card doesn't matter, because you're never actually charged interest. In that case, consider a rewards credit card, which gives you a little something back very time you make a purchase. Rewards cards fall into two major categories: cash back credit cards and travel credit cards.

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

Last updated on May 7, 2018

To recap our selections...

NerdWallet's Best Low Interest and 0% Intro APR Credit Cards of 2018

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