Best Low Interest & 0% APR Credit Cards (2026)
Low interest and 0% intro APR credit cards give you breathing room to pay off large purchases or transfer existing balances without accruing interest. The best options offer 15-21 months of 0% APR, letting you spread payments over time while keeping more money in your pocket.
How We Choose These Cards
Our methodology for ranking the best low interest cards
All card data is verified against issuer websites and updated monthly. Last verified: March 2026. See our advertiser disclosure for details on how we are compensated.
Top 7 Low Interest Credit Cards
Citi® Double Cash Card
The original 2% cash back everywhere card - simple and effective for maximizing everyday spending.
Pros
- 200 cash welcome bonus (~$200 value)
- No annual fee
- 0% intro APR for 18 months
- 2x on all purchases
Cons
- 3% foreign transaction fee
- High ongoing APR (up to 29.24%)
Key Benefits
- 2% cash back on all purchases (1% when you buy, 1% when you pay)
- 0% intro APR on balance transfers for 18 months
- No annual fee
- No rewards categories to track
- Redeem cash back at any amount
Wells Fargo Active Cash® Card
Straightforward 2% cash back on all purchases with a generous intro APR period.
Pros
- 200 cash welcome bonus (~$200 value)
- No annual fee
- 0% intro APR for 15 months
- 2x on all purchases
Cons
- 3% foreign transaction fee
- High ongoing APR (up to 29.99%)
Key Benefits
- 2% cash back on all purchases
- 0% intro APR for 15 months on purchases and balance transfers
- No annual fee
- $200 cash rewards bonus
- Cell phone protection up to $600
Chase Freedom Unlimited®
Straightforward unlimited cash back on every purchase with no rotating categories to track.
Bonus Categories
Pros
- 200 cash welcome bonus (~$200 value)
- No annual fee
- 0% intro APR for 15 months
- Up to 3x on dining, drugstore
Cons
- 3% foreign transaction fee
- High ongoing APR (up to 29.24%)
Key Benefits
- Earn 1.5% cash back on every purchase
- 3% on dining and drugstore purchases
- 0% intro APR for 15 months on purchases
- No annual fee
- Redeem cash back for any amount
Chase Freedom Flexâ„
Maximize rewards with rotating 5% categories plus elevated earnings on everyday spending.
Discover it® Cash Back
Rotating 5% categories with unique Cashback Match for first year - effectively double cash back.
Blue Cash Everyday® Card from American Express
No annual fee cash back card with elevated rewards on everyday spending categories.
Citi® Custom Cash Card
Automatically earn 5% cash back on your top spending category each billing cycle.
Tips for Choosing a Low Interest Card
- Set a calendar reminder 1-2 months before your intro APR expires to pay off the balance.
- Divide your total balance by the number of intro months to create a payoff plan.
- Even with 0% APR, you must still make minimum monthly payments.
- Some cards offer 0% on both purchases and balance transfers; others only one.
- Avoid new purchases on a balance transfer card if it delays your payoff plan.
Frequently Asked Questions
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