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10 Great Low Interest Cards With No Annual Fee of November 2026

October, 2026

If you sometimes carry a balance, a lower interest rate can save you money. These cards have an ongoing APR range that starts relatively low and charge no annual fee.

Read MoreShow Less

What to look for in a low-interest card

Look at the full APR range. The rate you get depends on your credit, so check where you're likely to fall.

Intro offers help. A 0% intro period can give you time before the ongoing rate kicks in.

Pay more than the minimum. Even a lower rate adds up on a balance you carry for a long time.

  • Our pick for: Low interest + no penalty APR

    BankAmericard® credit card card image

    BankAmericard® credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 21 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    15.24%-26.24% Variable APR
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Card details
    • 0% Intro APR for 21 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 15.24% - 26.24% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
    • No annual fee.
    • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The BankAmericard® credit card is built for paying down debt, with a long intro period on both transfers and purchases. It's a low-cost card to keep for times you carry a balance.

    Pros

    • Ongoing APR of 15.24%-26.24% Variable APR.

    • No penalty APR, so a late payment won't automatically raise your interest rate.

    • Annual fee: $0.

    Cons

    • No rewards.

    • The intro rate on transfers applies only to balances moved in the first 60 days.

    Read full review

  • Our pick for: Low interest + extra-long transfer offer

    Citi® Diamond Preferred® Card card image

    Citi® Diamond Preferred® Card

    Purchase intro APR
    0% intro APR on purchases for 12 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 21 months
    Regular APR
    16.74%-27.49% Variable APR
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Card details
    • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • 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).
    • No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
    • Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
    • Get free access to your FICO® Score online.
    • View Rates & Fees
    NerdWallet's take

    The Citi® Diamond Preferred® Card is all about time, with a long intro period on balance transfers. There's no annual fee, and the ongoing rate starts at the lower end.

    Pros

    • Ongoing APR of 16.74%-27.49% Variable APR.

    • Free access to your FICO Score online.

    • Annual fee: $0.

    Cons

    • No rewards.

    Read full review

  • Our pick for: Low interest + travel cash back

    U.S. Bank Shield™ Visa® Card card image

    U.S. Bank Shield™ Visa® Card

    Purchase intro APR
    0% intro APR on purchases for 21 billing cycles
    Balance transfer intro APR
    0% intro APR on balance transfers for 21 billing cycles
    Regular APR
    17.24%-28.24% Variable APR
    Annual fee
    $0
    Rewards rate
    4%
    Cashback
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    4%
    Cash back on prepaid air, hotel and car reservations booked directly in the Travel Center.
    Card details
    • 0% intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 17.24% - 28.24%.
    • 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
    • Get a $20 annual statement credit for 11 consecutive months of purchases.
    • No annual fee.
    • Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
    • Terms and conditions apply.
    • View Rates & Fees
    NerdWallet's take

    The U.S. Bank Shield™ Visa® Card is mainly about its long intro period, with travel cash back and a few extras on top. It's a sensible pick if you sometimes carry a balance.

    Pros

    • Ongoing APR of 17.24%-28.24% Variable APR.

    • Earns cash back on prepaid air, hotel and car reservations booked through U.S. Bank's travel center.

    • An annual statement credit after 11 consecutive months of purchases.

    • Cell phone protection when you pay your monthly phone bill with the card.

    • Annual fee: $0.

    Cons

    • Rewards only apply to travel booked through U.S. Bank's travel center.

    • No welcome bonus.

    Read full review

  • Our pick for: Low interest + no late fees

    Citi Simplicity® Card card image

    Citi Simplicity® Card

    Purchase intro APR
    0% intro APR on purchases for 18 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 months
    Regular APR
    17.74%-28.49% Variable APR
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Card details
    • 0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • 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).
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • $0 liability on unauthorized charges.
    • View Rates & Fees
    NerdWallet's take

    The Citi Simplicity® Card keeps things simple: a long intro period and no late fees. It's a low-cost card to keep for times you carry a balance.

    Pros

    • Ongoing APR of 17.74%-28.49% Variable APR.

    • No late fees and no penalty rate, which adds a safety net while you pay down debt.

    • Annual fee: $0.

    Cons

    • No rewards or welcome bonus.

    Read full review

  • Our pick for: Low interest + choose-your-category cash back

    Bank of America® Customized Cash Rewards credit card card image

    Bank of America® Customized Cash Rewards credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 15 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    17.74%-27.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-6%
    Cashback
    Intro offer
    $200
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    6%
    Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
    3%
    Cash back in the category of your choice after the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
    2%
    Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
    1%
    Cash back on all other purchases.
    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 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
    • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
    • No annual fee and cash rewards don’t expire as long as your account remains open.
    • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
    • 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 17.74% - 27.74% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The Bank of America® Customized Cash Rewards credit card lets you pick where you earn the most cash back. There's no annual fee, and the ongoing rate starts at the lower end.

    Pros

    • Ongoing APR of 17.74%-27.74% Variable APR.

    • Earns bonus cash back in a category you choose, plus at grocery stores and wholesale clubs, up to a quarterly cap.

    • Bank of America Rewards members can earn more cash back.

    • Annual fee: $0.

    Cons

    • Bonus cash back is capped each quarter.

    Read full review

  • Our pick for: Low interest + flat-rate cash back

    Bank of America® Unlimited Cash Rewards credit card card image

    Bank of America® Unlimited Cash Rewards credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 15 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    17.74%-27.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1.5%
    Cashback
    Intro offer
    $250
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    1.5%
    Cash back on all purchases.
    Card details
    • Limited Time Offer! $250 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.
    • No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
    • No annual fee.
    • Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
    • 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 17.74% - 27.74% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The Bank of America® Unlimited Cash Rewards credit card keeps rewards simple, with the same cash back rate on everything. It's a sensible pick if you sometimes carry a balance.

    Pros

    • Ongoing APR of 17.74%-27.74% Variable APR.

    • Earns unlimited flat-rate cash back on every purchase, and rewards don't expire while your account is open.

    • Bank of America Rewards members can earn more cash back.

    • Annual fee: $0.

    Cons

    • No bonus categories.

    • The highest rewards rates require Bank of America Rewards status.

    Read full review

  • Our pick for: Low interest + long intro period

    Wells Fargo Reflect® Card card image

    Wells Fargo Reflect® Card

    Purchase intro APR
    0% intro APR for 21 months from account opening on purchases
    Balance transfer intro APR
    0% intro APR for 21 months from account opening on qualifying balance transfers
    Regular APR
    17.74%, 24.24%, or 28.49% Variable APR
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    690-850(Good - Excellent)
    Card details
    • Apply Now to take advantage of this 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. 17.74%, 24.24%, or 28.49% 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 Wells Fargo Reflect® Card gives you a long 0% intro period on both transfers and purchases. It's a low-cost card to keep for times you carry a balance.

    Pros

    • Ongoing APR of 17.74%, 24.24%, or 28.49% Variable APR.

    • Cell phone protection against damage or theft, subject to a deductible.

    • Annual fee: $0.

    Cons

    • No rewards.

    Read full review

  • Our pick for: Low interest + quarterly cash back + first-year match

    Discover it® Cash Back - 18 Month Intro Balance Transfer Offer card image

    Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

    Apply Nowon Capital One's website
    on Capital One's website
    Rates & Fees
    Purchase intro APR
    0% intro APR on purchases for 6 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 months
    Regular APR
    17.74%-26.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-5%
    Cashback
    Intro offer
    Cashback Match™
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    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%
    Cash back on all other purchases.
    Card details
    • Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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
    • Redeem cash back for any amount
    • No annual fee
    • Terms and conditions apply
    • View Rates & Fees
    NerdWallet's take

    The Discover it® Cash Back - 18 Month Intro Balance Transfer Offer pairs a long transfer offer with a first-year match on everything you earn. There's no annual fee, and the ongoing rate starts at the lower end.

    Pros

    • Ongoing APR of 17.74%-26.74% Variable APR.

    • Earns bonus cash back in categories that change each quarter (activation required), plus cash back on everything else.

    • Redeem cash back for any amount.

    • Annual fee: $0.

    Cons

    • The intro period on purchases is short: 0% intro APR on purchases for 6 months

    • Bonus categories are capped each quarter.

    Read full review

  • Our pick for: Low interest + gas and dining cash back

    Discover it® Chrome card image

    Discover it® Chrome

    Purchase intro APR
    0% intro APR on purchases for 6 months
    Balance transfer intro APR
    0% intro APR on balance transfers for 18 months
    Regular APR
    17.74%-26.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1%-2%
    Cashback
    Intro offer
    Cashback Match™
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    2%
    Cash back at Gas Stations on up to $1,000 in combined purchases each quarter, automatically.
    2%
    Cash back at Restaurants on up to $1,000 in combined purchases each quarter, automatically.
    1%
    Cash back on all other purchases.
    Card details
    • Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases
    • Redeem cash back for any amount
    • No annual fee
    • Terms and conditions apply
    • View Rates & Fees
    NerdWallet's take

    The Discover it® Chrome keeps rewards simple with automatic bonus cash back on gas and dining. It's a sensible pick if you sometimes carry a balance.

    Pros

    • Ongoing APR of 17.74%-26.74% Variable APR.

    • Earns bonus cash back at gas stations and restaurants, up to a quarterly cap, plus cash back on everything else.

    • Redeem cash back for any amount.

    • Annual fee: $0.

    Cons

    • The intro period on purchases is short: 0% intro APR on purchases for 6 months

    • Discover isn't accepted as widely outside the U.S.

    Read full review

  • Our pick for: Low interest + flexible travel points

    Bank of America® Travel Rewards credit card card image

    Bank of America® Travel Rewards credit card

    Apply Nowon Bank of America's website
    on Bank of America's website
    Purchase intro APR
    0% intro APR on Purchases for 15 billing cycles
    Balance transfer intro APR
    0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
    Regular APR
    17.74%-27.74% Variable APR
    Annual fee
    $0
    Rewards rate
    1.5x-3x
    Points
    Intro offer
    25,000
    points
    Recommended credit score
    690-850(Good - Excellent)
    Rewards breakdown
    3x
    Points per $1 spent on travel purchases booked through BofA Travel.
    1.5x
    Points per $1 spent on everyday purchases.
    Card details
    • 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.
    • Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
    • Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
    • Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
    • 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 17.74% - 27.74% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
    • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
    NerdWallet's take

    The Bank of America® Travel Rewards credit card is a simple travel card with no annual fee and flexible redemptions. It's a low-cost card to keep for times you carry a balance.

    Pros

    • Ongoing APR of 17.74%-27.74% Variable APR.

    • Earns unlimited points on everyday purchases, plus more on travel booked through Bank of America Travel; points don't expire while your account is open.

    • Redeem points as a statement credit for travel and dining purchases, with no blackout dates.

    • No foreign transaction fees.

    • Annual fee: $0.

    Cons

    • No bonus categories outside Bank of America Travel.

    • The highest rewards rates require Bank of America Rewards status.

    Read full review

Compare the Best Low Interest No Annual Fee Credit Cards

Credit card
NerdWallet rating
Annual feeIntro APRRegular APRLearn more
BankAmericard® credit card ImageBankAmericard® credit card
Apply Nowon Bank of America's website
on Bank of America's website
4.6/5
Best for Low interest + no penalty APR

$0

0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

15.24%-26.24% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
Citi® Diamond Preferred® Card ImageCiti® Diamond Preferred® Card
4.4/5
Best for Low interest + extra-long transfer offer

$0

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

16.74%-27.49% Variable APR

U.S. Bank Shield™ Visa® Card ImageU.S. Bank Shield™ Visa® Card
4.6/5
Best for Low interest + travel cash back

$0

0% intro APR for 21 billing cycles on purchases and balance transfers

17.24%-28.24% Variable APR

Citi Simplicity® Card ImageCiti Simplicity® Card
4.5/5
Best for Low interest + no late fees

$0

0% intro APR on purchases and balance transfers for 18 months

17.74%-28.49% Variable APR

Bank of America® Customized Cash Rewards credit card ImageBank of America® Customized Cash Rewards credit card
Apply Nowon Bank of America's website
on Bank of America's website
4.2/5
Best for Low interest + choose-your-category 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

17.74%-27.74% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
Bank of America® Unlimited Cash Rewards credit card ImageBank of America® Unlimited Cash Rewards credit card
Apply Nowon Bank of America's website
on Bank of America's website
4.6/5
Best for Low interest + flat-rate 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

17.74%-27.74% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
Wells Fargo Reflect® Card ImageWells Fargo Reflect® Card
4.5/5
Best for Low interest + long intro period

$0

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

17.74%, 24.24%, or 28.49% Variable APR

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer ImageDiscover it® Cash Back - 18 Month Intro Balance Transfer Offer
4.9/5
Best for Low interest + quarterly cash back + first-year match

$0

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

17.74%-26.74% Variable APR

Discover it® Chrome ImageDiscover it® Chrome
4.5/5
Best for Low interest + gas and dining cash back

$0

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

17.74%-26.74% Variable APR

Bank of America® Travel Rewards credit card ImageBank of America® Travel Rewards credit card
Apply Nowon Bank of America's website
on Bank of America's website
3.8/5
Best for Low interest + flexible travel points

$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

17.74%-27.74% Variable APR

Apply Nowon Bank of America's website
on Bank of America's website
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