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7 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

Cost-Effective Balance Transfer

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

  • 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

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
  • 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 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 for transfers and purchases

Apply now

on Wells Fargo's website

Wells Fargo Reflect℠ Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Intro APR

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

Regular APR

12.99%-24.99% Variable APR

Recommended Credit Score
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% 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 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 earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit 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

  • No annual fee

  • Intro APR period

Cons

  • No rewards

Read full review

Excellent for

Long 0% period and no late fees

Apply now

on Citibank's application

Citi Simplicity® Card

4.5

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

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 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 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 5% 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

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Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

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 for 15 months on purchases and balance transfers

Regular APR

14.99%-24.74% Variable APR

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

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

  • 3% cash back on dining at restaurants, including takeout and eligible delivery services

  • 3% cash back on drugstore purchases

  • 5% on travel purchased through Chase Ultimate Rewards®

  • Unlimited 1.5% cash back on all other purchases

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 24.74%.

  • No annual fee

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

Long 0% period for transfers and purchases

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

Excellent for

Cash Back - NerdWallet Exclusive Offer!

Apply now

on US Bank's website

U.S. Bank Cash+™ Visa Signature® Card – NerdWallet Exclusive Offer

4.3

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Intro APR

0% intro APR for 15 billing cycles on purchases and balance transfers

Regular APR

13.99%-23.99% Variable APR

Recommended Credit Score
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.

  • 2% cash back on one everyday category, like Gas Stations, Grocery Stores or Restaurants.

  • 1% cash back on all other eligible purchases.

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% - 23.99%

  • No annual fee

  • Terms and conditions apply.

  • View Rates & Fees
Apply Now

on US Bank's website

Pros

  • No annual fee

  • Bonus categories

  • High rewards rate

Cons

  • Complicated rewards

Read full review