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Low Interest and 0% Intro APR Credit Cards

If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many offer more than a year of 0% APR to pay down your debts or a low ongoing interest rate for a longer-term debt reduction strategy. Compare these deals, some of which are from our partners, to find the one for you.

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on Capital One's website

Great for: Cash Back with No Foreign Fee

Securely with Capital One

  • One-time $150 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
  • 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 for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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  • One-time $150 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
  • 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 for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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Intro Purchase APR

0%

Intro Purchase APR Period

15 Months

Ongoing APR

15.74% - 25.74% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent

Pros

  • High rewards rate and no minimum redemption
  • No annual fee or foreign transaction fee
  • Intro APR period on Purchases and Balance Transfers
  • Sign-up bonus

Cons

  • Other cards have longer 0% periods
  • No bonus rewards categories
  • Requires good/excellent credit

on Capital One's website

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[object Object] card art

on Bank of America's website, or call (877) 754-6706

  • No annual fee
  • $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, 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
  • 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, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
See card details

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

15 Billing Cycles

Ongoing APR

15.49% - 25.49% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Bank of America's website, or call (800) 322-7707

Great for: Cost-Effective Balance Transfer

Securely with Bank of America

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • 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
See card details

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

18 Billing Cycles

Ongoing APR

14.49% - 24.49% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

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

Great for: Balance Transfers and Bonus Categories

Securely with Discover

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
See card details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

6 Months

Ongoing APR

13.49% - 24.49% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

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

Great for: Bonus Categories and First Year Cashback Match

Securely with Discover

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
See card details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

14 Months

Ongoing APR

13.49% - 24.49% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on HSBC's website

Great for: Long 0% Intro APR Period

Securely with HSBC

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49% - 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees
See card details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49% - 20.49% will apply.
  • No Penalty APR.
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

18 Months

Ongoing APR

12.49% - 20.49%, Variable

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on Chase's website

Great for: 5% Bonus Categories

Securely with Chase

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
See card details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

15 Months

Ongoing APR

16.49% - 25.24% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Chase's website

Great for: Cash-Back Pairing with Chase Sapphire Preferred®

Securely with Chase

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
See card details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
See card details

Intro Purchase APR

0%

Intro Purchase APR Period

15 Months

Ongoing APR

16.49% - 25.24% Variable APR

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

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