6 Excellent Low Interest Credit Cards of 2023
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.
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.
Excellent Low Interest Credit Cards From Our Partners
Recently Updated January 17, 2023
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
BankAmericard® credit card Apply now on Bank of America's website, or call (800) 322-7707 | Excellent for Cost-Effective Balance Transfer | $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 | 16.24%- | Apply now on Bank of America's website, or call (800) 322-7707 |
Chase Freedom Unlimited® Apply now on Chase's website | Excellent for Cash-Back Pairing With Chase Sapphire Preferred® | $0 | 0% intro APR for 15 months on purchases and balance transfers | 19.24%- | Apply now on Chase's website |
Wells Fargo Reflect® Card Apply now on Wells Fargo's website | Excellent for Long 0% Period for Transfers and Purchases | $0 | 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers | 17.24%- | Apply now on Wells Fargo's website |
Citi Simplicity® Card Apply now on Citibank's application | Excellent for Long 0% Period and No Late Fees | $0 | 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases | 18.24%- | Apply now on Citibank's application |
Wells Fargo Active Cash® Card Apply now on Wells Fargo's website | Excellent for Cash Back — High Flat Rate + Incentives | $0 | 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers | 19.24%, 24.24%, or 29.24% Variable APR | Apply now on Wells Fargo's website |
Discover it® Cash Back Apply now on Discover's website, or call 800-347-0264 | Excellent for Bonus Categories and First Year Cashback Match | $0 | 0% intro APR for 15 months on purchases and balance transfers | 16.24%- | Apply now on Discover's website, or call 800-347-0264 |
Excellent for
Cost-Effective Balance Transfer
on Bank of America's website, or call (800) 322-7707
on Bank of America's website, or call (800) 322-7707
$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
16.24%-26.24% Variable APR
New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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.
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.
on Bank of America's website, or call (800) 322-7707
New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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.
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.
on Bank of America's website, or call (800) 322-7707
Pros
No annual fee
Intro APR period
Cons
Requires good/excellent credit
No ongoing rewards
Excellent for
Cash-Back Pairing With Chase Sapphire Preferred®
on Chase's website
on Chase's website
$0
0% intro APR for 15 months on purchases and balance transfers
19.24%-27.99% Variable APR
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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 19.24% - 27.99%.
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, real-time alerts, and more.
on Chase's website
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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 19.24% - 27.99%.
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, real-time alerts, and more.
on Chase's website
Pros
No annual fee
Intro APR period
High rewards rate
No minimum redemption amount
Cons
Requires good/excellent credit
Excellent for
Long 0% Period for Transfers and Purchases
on Wells Fargo's website
on Wells Fargo's website
$0
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
17.24%-29.24% Variable APR
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
$0 Annual Fee
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (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.
Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates & Fees
on Wells Fargo's website
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
$0 Annual Fee
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (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.
Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates & Fees
on Wells Fargo's website
Pros
No annual fee
Intro APR period
Cons
No rewards
Excellent for
Long 0% Period and No Late Fees
on Citibank's application
on Citibank's application
$0
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
18.24%-28.99% Variable APR
No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.
Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
on Citibank's application
No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.
Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
on Citibank's application
Pros
No annual fee
Intro APR period
Cons
No rewards
No new cardholder bonus offer
Requires good/excellent credit
Excellent for
Cash Back — High Flat Rate + Incentives
on Wells Fargo's website
on Wells Fargo's website
$0
0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
19.24%, 24.24%, or 29.24% Variable APR
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates & Fees
on Wells Fargo's website
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates & Fees
on Wells Fargo's website
Pros
High rewards rate
No annual fee
Intro APR period
Cons
No bonus categories
Excellent for
Bonus Categories and First Year Cashback Match
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
$0
0% intro APR for 15 months on purchases and balance transfers
16.24%-27.24% Variable APR
INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click "Apply Now" to see terms and conditions.
- View Rates & Fees
on Discover's website, or call 800-347-0264
INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click "Apply Now" to see terms and conditions.
- View Rates & Fees
on Discover's website, or call 800-347-0264
Pros
No annual fee
Intro APR period
Bonus categories
Cash rewards
Cons
Complicated rewards
Spending caps on bonus rewards
Lower acceptance abroad