If you have credit card debt or plan to make a big purchase, a low-interest credit card can be a lifesaver. Many of the cards below 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.
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Wells Fargo Active Cash® Card: Best for Cash Back — High Flat Rate + Incentives
Chase Freedom Unlimited®: Best for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Discover it® Cash Back: Best for High Rewards Rate in Rotating Categories and First Year Cashback Match
U.S. Bank Visa® Platinum Card: Best for Long 0% Intro Period for Transfers and Purchases
BankAmericard® credit card: Best for Efficient Tool to Whittle Down Debt
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Excellent for Cash Back — High Flat Rate + Incentives | $0 | 0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers | 20.24%, 25.24%, or 29.99% Variable APR | Apply Now on Wells Fargo's website on Wells Fargo's website | |
Excellent for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 20.49%-29.24% Variable APR | Apply Now on Chase's website on Chase's website | |
Excellent for High Rewards Rate in Rotating Categories and First Year Cashback Match | $0 | 0% intro APR for 15 months on purchases and balance transfers | 17.24%-28.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
Excellent for Long 0% Intro Period for Transfers and Purchases | $0 | 0% intro APR for 18 billing cycles on purchases and balance transfers | 18.74%-29.74% Variable APR | Apply Now on US Bank's website on US Bank's website | |
Excellent for Efficient Tool to Whittle Down Debt | $0 | 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24%-26.24% will apply. | 16.24%-26.24% Variable APR | Apply Now on Bank of America's website on Bank of America's website |
Excellent for: Cash Back — High Flat Rate + Incentives
Excellent for: 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Excellent for: High Rewards Rate in Rotating Categories and First Year Cashback Match
Excellent for: Long 0% Intro Period for Transfers and Purchases
Excellent for: Efficient Tool to Whittle Down Debt