10 Best Low Interest Credit Cards of December 2024
Updated: Dec 4, 2024
+ 2 more+ 2 more
A low interest credit card saves you money by reducing the cost of debt: When you're paying less in interest, you can pay back what you've borrowed more quickly. A card with a low introductory APR period might save you the most on interest in the short term. Look for a card with an introductory interest-free period longer than a year. If you tend to carry a balance most months, a card with a low ongoing interest rate will work to your advantage in the long run.
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
A low interest credit card saves you money by reducing the cost of debt: When you're paying less in interest, you can pay back what you've borrowed more quickly. A card with a low introductory APR period might save you the most on interest in the short term. Look for a card with an introductory interest-free period longer than a year. If you tend to carry a balance most months, a card with a low ongoing interest rate will work to your advantage in the long run.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Show More
A low interest credit card saves you money by reducing the cost of debt: When you're paying less in interest, you can pay back what you've borrowed more quickly. A card with a low introductory APR period might save you the most on interest in the short term. Look for a card with an introductory interest-free period longer than a year. If you tend to carry a balance most months, a card with a low ongoing interest rate will work to your advantage in the long run.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
A low interest credit card saves you money by reducing the cost of debt: When you're paying less in interest, you can pay back what you've borrowed more quickly. A card with a low introductory APR period might save you the most on interest in the short term. Look for a card with an introductory interest-free period longer than a year. If you tend to carry a balance most months, a card with a low ongoing interest rate will work to your advantage in the long run.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Best Low Interest Credit Cards of December 2024
BankAmericard® credit card: Best for Long intro period + straightforward benefits
Chase Freedom Unlimited®: Best for All-around cash back
U.S. Bank Visa® Platinum Card: Best for Long intro period + low intro fee
Bank of America® Unlimited Cash Rewards credit card: Best for Simplicity + relationship rewards
Blue Cash Everyday® Card from American Express: Best for Grocery and gas rewards
Bank of America® Travel Rewards credit card: Best for Travel rewards
Capital One Quicksilver Cash Rewards Credit Card: Best for Simple cash back
Bank of America® Customized Cash Rewards credit card: Best for Customizable cash back
Wells Fargo Reflect® Card: Best for Longest 0% intro APR period
Capital One Savor Cash Rewards Credit Card: Best for Food and entertainment
Show SummaryHide Summary
Best Low Interest Credit Cards From Our Partners
| Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
 Wells Fargo Reflect® CardApply Now on Wells Fargo's website on Wells Fargo's website | Best for Longest 0% intro APR period | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 17.49%, 23.99%, or 29.24% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website |
 U.S. Bank Visa® Platinum CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Long intro period + low intro fee | $0 | 0% intro APR for 18 billing cycles on purchases and balance transfers | 17.99%-28.99% Variable APR | Apply Now on U.S. Bank's website on U.S. Bank's website |
 Capital One Savor Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Food and entertainment | $0 | 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies | 19.74%-29.74% Variable APR | Apply Now on Capital One's website on Capital One's website |
 BankAmericard® credit cardApply Now on Bank of America's website on Bank of America's website | Best for Long intro period + straightforward benefits | $0 | 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | 15.49%-25.49% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
 Blue Cash Everyday® Card from American ExpressApply Now on American Express' website on American Express' website | Best for Grocery and gas rewards | $0 | 0% intro APR for 15 months on purchases and balance transfers | 18.49%-29.49% Variable APR | Apply Now on American Express' website on American Express' website |
 Chase Freedom Unlimited®Apply Now on Chase's website on Chase's website | Best for All-around cash back | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 19.74%-28.49% Variable APR | Apply Now on Chase's website on Chase's website |
 Bank of America® Unlimited Cash Rewards credit cardApply Now on Bank of America's website on Bank of America's website | Best for Simplicity + relationship rewards | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.49%-28.49% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
 Bank of America® Customized Cash Rewards credit cardApply Now on Bank of America's website on Bank of America's website | Best for Customizable cash back | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.49%-28.49% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
 Capital One Quicksilver Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Simple cash back | $0 | 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies | 19.74%-29.74% Variable APR | Apply Now on Capital One's website on Capital One's website |
 Bank of America® Travel Rewards credit cardApply Now on Bank of America's website on Bank of America's website | Best for Travel rewards | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 18.49%-28.49% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Our pick for: Longest 0% intro APR period
Card details
- 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. 17.49%, 23.99%, or 29.24% 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.
- View Rates & Fees
NerdWallet's take
The introductory period on the Wells Fargo Reflect® Card is close to two years. That's a lot of interest you don't have to pay.
Few if any cards offer a promotional window like this one: You'll get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.49%, 23.99%, or 29.24% Variable APR.
You won't earn ongoing rewards, aside from being able to opt into one-time offers from My Wells Fargo Deals.
Our pick for: Long intro period + low intro fee
Card details
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.99% - 28.99%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
If you need to spread out payments on purchases as long as possible without interest, the U.S. Bank Visa® Platinum Card is a strong contender.
You get a 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.99%-28.99% Variable APR. The card also offers cell phone protection if you use it to pay your wireless bill.
This card offers no rewards, so you might not see a very compelling reason to keep using it after the 0% intro period runs out.
Our pick for: Food and entertainment
Rewards breakdown
Card details
- For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
- View Rates & Fees
NerdWallet's take
A long interest-free period and high rewards on some of the biggest line items in many people's budgets make the Capital One Savor Cash Rewards Credit Card worth a long look.
You get a 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; balance transfer fee applies. You'll earn 8% back on Capital One Entertainment purchases and 3% back on dining, grocery stores, eligible streaming services and entertainment. All other purchases earn 1% back. There's also a generous sign-up bonus
If your spending is more concentrated in one food category over the other — dining out or cooking at home — you might do better with a card that specializes in one of those areas.
Our pick for: Long intro period + straightforward benefits
Card details
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.49% - 25.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
NerdWallet's take
The BankAmericard® credit card is a solid option for people looking to start out with one of the longest interest-free periods available.
There's a 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.49%-25.49% will apply.
The card doesn't earn ongoing rewards.
Our pick for: Grocery and gas rewards
Rewards breakdown
Card details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% 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%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- 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.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Blue Cash Everyday® Card from American Express combines a great introductory APR period with elevated rewards in common household spending categories.
Start with a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.49%-29.49% Variable APR. You earn 3% cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per year in spending in each category). Other purchases earn 1% back. (Terms apply.) There's a nice welcome offer, too.
This card doesn't offer the transit or streaming benefits of its annual-fee cousin, the Blue Cash Preferred® Card from American Express. And if you spend at least $61 per week at the supermarket, you may be better off paying the annual fee on that card because you'll come out ahead with the higher rewards rate. But that other card has a shorter 0% intro APR period.
Our pick for: All-around cash back
Rewards breakdown
Card details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
NerdWallet's take
The Chase Freedom Unlimited® starts you out with an excellent no-interest period (and a nice bonus offer) and delivers ongoing value with its cash back rewards.
You get an introductory 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.74%-28.49% Variable APR. This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. New cardholders also get a solid bonus offer.
Depending on your spending patterns, you might earn more rewards with a card that pays higher rates in specific categories. Still, this card's combination of rewards and 0% period makes it a formidable choice.
Our pick for: Simplicity + relationship rewards
Rewards breakdown
Card details
- $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 Bank of America 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 as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
NerdWallet's take
The Bank of America® Unlimited Cash Rewards credit card gives you a strong rewards rate on all purchases, plus a good intro APR period if you need time to pay them off.
The $0-annual-fee card offers a 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49%-28.49% will apply. You'll also earn 1.5% back on all purchases, which you can boost as high as 2.625% if you're a member of the issuer's Preferred Rewards program.
You can find cards with higher ongoing reward rates.
Our pick for: Customizable cash back
Rewards breakdown
Card details
- $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, 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.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America 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 cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card combines a terrific intro APR offer with a semi-customizable rewards structure that lets you choose which purchases earn the highest cash-back rate.
You get a 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49%-28.49% will apply. You'll earn 3% cash back in a category you choose and 2% at grocery stores and wholesale clubs, on up to $2,500 per quarter in combined spending in those categories. All other purchases earn 1% cash back. (The 3% options are gas, dining, travel, online shopping, drugstores or home improvement and furnishings; you can change your choice once a month.)
The rewards structure is somewhat complicated. Because the amount of spending eligible for the 3% and 2% rewards is capped, you might earn more rewards with a simple flat-rate card that pays an unlimited 1.5% or 2% on everything.
Our pick for: Simple cash back
Rewards breakdown
Card details
- 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
- 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- View Rates & Fees
NerdWallet's take
The Capital One Quicksilver Cash Rewards Credit Card might be the best-known name in the 1.5% cash back game, but it also starts you off with a terrific intro APR period that saves you money on interest.
You get 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; balance transfer fee applies. Every purchase earns 1.5% cash back, with no limit to what you can earn. Bonus offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Depending on your spending patterns, you might earn more rewards with a card that pays higher rates in specific categories. Still, simplicity is a primary part of this card's appeal.
Our pick for: Travel rewards
Rewards breakdown
Card details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- 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.
NerdWallet's take
Interest-saving offers are rare on dedicated travel rewards cards — and when you do see them, they usually aren't as long as what you get with the Bank of America® Travel Rewards credit card.
You get a 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49%-28.49% will apply. The card earns 1.5 points per dollar spent, and points can be redeemed for a wide array of travel expenses at 1 cent per point. There's a sign-up bonus, and the annual fee is $0.
Longer-term, big spenders and frequent travelers may be better off with a card that offers bonus rewards for travel purchases, even if it means paying an annual fee.
FULL LIST OF EDITORIAL PICKS: BEST LOW INTEREST CREDIT CARDS
Before applying, confirm details on the issuer’s website.
» CREDIT CARDS WITH AN INTRODUCTORY APR PERIOD
Wells Fargo Reflect® Card
Our pick for: Longest 0% intro APR period
The Wells Fargo Reflect® Card has one of the longest intro APR periods on the market — approaching almost two years. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Read our review.
BankAmericard® credit card
Our pick for: Long intro period + straightforward benefits
The BankAmericard® credit card isn't flashy, nor does it aim to be. You get one of the better introductory APR periods available, providing plenty of time to whittle down debt or finance a large purchase. And that's about it. Read our review.
U.S. Bank Visa® Platinum Card
Our pick for: Long intro period + low intro fee
A lengthy introductory APR period for both purchases and balance transfers has made the U.S. Bank Visa® Platinum Card a NerdWallet favorite. Read our review.
Chase Slate Edge℠
Our pick for: Long intro period + interest-saving incentives
The $0-annual-fee Chase Slate Edge℠ is light on flash but features an excellent intro APR period on purchases and balance transfers, plus some other potential incentives for paying on time. Read our review.
Bank of America® Travel Rewards credit card
Our pick for: Travel rewards
One of the best no-annual-fee travel cards available, the Bank of America® Travel Rewards credit card gives you a solid rewards rate on every purchase, with points that can be redeemed for any travel purchase, without the restrictions of branded airline and hotel cards. Bank of America® has an expansive definition of "travel," too, giving you additional flexibility in how you use your rewards. Read our review.
Chase Freedom Unlimited®
Our pick for: All-around cash back
The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.
Capital One Savor Cash Rewards Credit Card
Our pick for: Food and entertainment
Some credit cards reward you well for going out, others for staying in. The Capital One Savor Cash Rewards Credit Card is the rare card that does both. It offers a terrific cash-back rate not only on dining and entertainment but also at grocery stores and on popular streaming services. Toss in a good bonus offer and intro APR period, and this card is a winner. (see rates and fees). Read our review.
Capital One Quicksilver Cash Rewards Credit Card
Our pick for: Simple cash back
The original 1.5% flat-rate cash-back card still holds its own in a now-crowded field. The Capital One Quicksilver Cash Rewards Credit Card offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory APR period (see rates and fees). Read our review.
Bank of America® Unlimited Cash Rewards credit card
Our pick for: Simplicity + relationship rewards
The Bank of America® Unlimited Cash Rewards credit card is one of many 1.5% flat-rate cash-back cards on the market. It comes with a decent sign-up bonus, a generous intro APR period, and the potential to supercharge your earnings through the Bank of America Preferred Rewards® program. Read our review.
Blue Cash Everyday® Card from American Express
Our pick for: Grocery and gas rewards
The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. The rewards might not be as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee either. New cardholders get a decent welcome offer and an introductory APR period. Read our review.
Bank of America® Customized Cash Rewards credit card
Our pick for: Customizable cash back
The Bank of America® Customized Cash Rewards credit card gives you a litt