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9 Excellent Low Interest Credit Cards of 2021

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.

NerdWallet's Excellent Low Interest Credit Cards of 2021

Excellent for

Long 0% interest periods for balance transfers

Citibank Diamond Preferred Credit Card
Apply now

on Citibank's application

Citi® Diamond Preferred® Card

4.8

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

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

Regular APR

13.74% - 23.74% Variable APR

Recommended Credit Score
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater

  • Get free access to your FICO® Score online.

  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Apply Now

on Citibank's application

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater

  • Get free access to your FICO® Score online.

  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Apply Now

on Citibank's application

Pros

  • No annual fee

  • Intro APR period

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No rewards

Read full review

Excellent for

Cost-Effective Balance Transfer

BankAmericard® Credit Card
Apply now

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

BankAmericard® credit card

4.9

NerdWallet rating 
Apply now

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

Annual fee

$0

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Regular APR

12.99% - 22.99% Variable APR

Recommended Credit Score
  • New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.

  • 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, 12.99% - 22.99% 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.

Apply Now

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

Pros

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons

  • Requires good/excellent credit

  • No ongoing rewards

Read full review

Excellent for

Cash back — high flat rate + incentives

Wells Fargo Active Cash Card
Apply now

on Wells Fargo's website

Wells Fargo Active Cash℠ Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Intro APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Regular APR

14.99% - 24.99% Variable APR

Recommended Credit Score
  • New! Earn a $200 cash rewards bonus after spending $1,000 on 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 14.99% to 24.99% 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 category restrictions or sign ups 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card

  • Select “Apply Now” to learn more about the product features, terms and conditions

  • View Rates & Fees
Apply Now

on Wells Fargo's website

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

Read full review

Excellent for

Long 0% period and no late fees

Citibank Simplicity Credit Card
Apply now

on Citibank's application

Citi Simplicity® Card

4.9

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

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

Regular APR

14.74% - 24.74% Variable APR

Recommended Credit Score
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.

Apply Now

on Citibank's application

Pros

  • No annual fee

  • Intro APR period

Cons

  • No rewards

  • No new cardholder bonus offer

  • Requires good/excellent credit

Read full review

Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited Credit Card
Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 15 months

Regular APR

14.99% - 23.74% Variable APR

Recommended Credit Score
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Earn unlimited 1.5% cash back on all other purchases.

  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.

  • No annual fee.

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Apply Now

on Chase's website

Pros

  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Bonus Categories and First Year Cashback Match

Discover it® Cash Back
Apply now

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

Discover it® Cash Back

4.8

NerdWallet rating 
Apply now

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

Annual fee

$0

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Regular APR

11.99% - 22.99% Variable APR

Recommended Credit Score
  • 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

  • Plus, earn unlimited 1% cash back on all other purchases - automatically.

  • Redeem cash back in any amount, any time. Rewards never expire.

  • Use your rewards at Amazon.com checkout.

  • #1 Most Trusted Credit Card according to Investor’s Business Daily.

  • No annual fee.

  • Discover is accepted nationwide by 99% of the places that take credit cards.

  • View Rates & Fees
Apply Now

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

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Customizable rewards

Bank of America® Cash Rewards Credit Card
Apply now

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

Bank of America® Customized Cash Rewards credit card

4.5

NerdWallet rating 
Apply now

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

Annual fee

$0

Intro APR

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Regular APR

13.99% - 23.99% Variable APR

Recommended Credit Score
  • $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

  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.

  • No annual fee and no expiration on rewards

  • 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, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • 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.

Apply Now

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

Pros

  • No annual fee

  • New cardholder bonus offer

  • Intro APR period

  • Rotating bonus categories

  • Relationship rewards for customers

Cons

  • Requires good/excellent credit

  • Complicated rewards

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

Read full review

Excellent for

Bonus offer + 0% period for purchases

Capital One Quicksilver Credit Card
Apply now

on Capital One's website

Capital One Quicksilver Cash Rewards Credit Card

4.9

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 15 months

Regular APR

14.99% - 24.99% Variable APR

Recommended Credit Score
  • 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

  • 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; 14.99%-24.99% variable APR after that

  • $0 annual fee and no foreign transaction fees

Apply Now

on Capital One's website

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • No foreign transaction fees

Cons

  • Requires good/excellent credit

  • No bonus categories

Read full review

Excellent for

Long 0% period for transfers and purchases

US Bank Visa Platinum Credit Card
Apply now

on US Bank's website

U.S. Bank Visa® Platinum Card

5.0

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0*

Intro APR

0%* intro APR for 20 billing cycles on purchases and balance transfers*

Regular APR

14.49% - 24.49%* Variable APR

Recommended Credit Score
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.

  • Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.

  • No Annual Fee*

  • Flexibility to choose a payment due date that fits your schedule.

  • 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.

  • View Rates & Fees
Apply Now

on US Bank's website

Pros

  • No annual fee

  • Intro APR period

  • Cell phone insurance

Cons

  • No rewards

  • Requires good/excellent credit

  • No bonus offer

Read full review