Based on NerdWallet’s estimate of the average credit card interest rate, the average household debt, and the total interest paid on the balance over 18 months. Savings estimate assumes total debt balance is repaid within 0% intro APR period.
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.
Compare these deals to find the one for you.
Show summary
Chase Freedom Unlimited®: Best for 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Wells Fargo Active Cash® Card: Best for Cash Back — High Flat Rate + Incentives
BankAmericard® credit card: Best for Efficient Tool to Whittle Down Debt
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
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
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 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 | |
BankAmericard® credit card Apply Now on Bank of America's website, on Bank of America's website, or call (800) 322-7707 | Excellent for Efficient Tool to Whittle Down Debt | $0 | 0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | 16.24%-26.24% Variable APR | Apply Now on Bank of America's website, on Bank of America's website, or call (800) 322-7707 |
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: 0% Intro APR, Plus Useful Bonus Categories, Flexible Rewards and Outstanding Welcome Offer
Excellent for: Cash Back — High Flat Rate + Incentives
Excellent for: Efficient Tool to Whittle Down Debt
Excellent for: High Rewards Rate in Rotating Categories and First Year Cashback Match
Excellent for: Long 0% Intro Period for Transfers and Purchases