A low interest or 0% credit card can be a life saver, whether you are looking to get rid of an existing credit card debt or to purchase something expensive. Many of these credit cards offer 0% introductory APR for purchases and/or balance transfers for a certain period of time, so that you can have an easier time paying off a balance or an expensive item.

GET.com's best balance transfer and low interest cards

Best ForCredit Card
TravelCapital One® VentureOne® Rewards Credit Card

We at GET.com have shortlisted some of the best low interest credit cards in the market right now, many of which offer at least 12 months of 0% APR on purchases and balance transfer, rewards or waived annual fees. Start saving money today with these low interest rate options.

Our Favorite For Unlimited Cash Back

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey SM
  • No annual fee
APPLY NOWAt Chase's secure website

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

17.24% - 25.99% Variable

$0

Why we like it
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
Excellent/Good

Chase Freedom Unlimited® comes with 0% intro APR for 15 months from account opening on purchases and balance transfers, after which the regular 17.24% - 25.99% variable APR applies. You earn a 3% cash back on all purchases you make in the first year (up to $20,000 spent), after that earn unlimited 1.5% cash back on every purchase (it's automatic). There is no minimum required to redeem for cash back. This Visa credit card has no annual fee.

Our Favorite Low Interest And Rewards Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
APPLY NOWAt Chase's secure website

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

17.24%-25.99% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good

Chase Freedom® is a rewards card that has no annual fee and a 0% intro APR for 15 months for purchases and balance transfers. After that, there is a 17.24% - 25.99% variable APR for both purchases and balance transfers (balance transfer fee is 3% (min. $5) when you transfer during the first 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater). You'll also get 5% cash back on quarterly rotating categories (on up to $1,500 in combined purchases per quarter), and an unlimited 1% cash back on all other purchases. Chase Freedom® lets you earn a $150 Bonus, which you'll receive after making just $500 in purchases within the first 3 months. Here's our Chase Freedom® review. Overall, this Visa card is great for earning rewards and for its low interest benefits.

Our Favorite For Low Interest And Earning Cash Back Twice

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.74% - 25.74%* (Variable)

$0*

Why we like it
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases.
  • Introductory APR offer.
Excellent, Good

Citi® Double Cash Card – 18 month BT offer, a partner card, has a great combination of benefits which can save you some money: It has no annual fee, good cash back rewards, and a 0% intro APR for 18 months on balance transfers, 15.74% - 25.74%* variable APR thereafter (click the 'Apply Now' button to learn about the applicable balance transfer fee and how making a balance transfer impacts interest on purchases). You earn 2% cash back on all purchases: 1% cash back when you buy, plus an additional 1% as you pay for those purchases. The cash back you earn is unlimited and you can redeem for statement credit, a check, or a gift card. Here's our Citi® Double Cash Card – 18 month BT offer review. Citi® Double Cash Card – 18 month BT offer is a good choice for you if you want to earn cash back twice and have a long 0% introductory APR period on balance transfers with no annual fee.

Our Favorite For Low Interest And Earning Miles

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

0% intro on purchases for 12 months

14.24% - 24.24% (Variable)

$0

Why we like it
  • Earn 1.25X miles on every purchase, every day.
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
Excellent, Good

Capital One® VentureOne® Rewards Credit Card is a Visa card that offers 0% intro APR on purchases for 12 months. After that, you will have a 14.24% - 24.24% variable APR depending on your creditworthiness. This card gives you 20,000 bonus miles ($200 in travel) after you spend $1,000 on purchases within the 3 months from account opening. You can earn 1.25X miles per dollar on every purchase and 10X miles on thousands of hotels through January 2020(learn more at hotels.com/venture). There is a $0 annual fee. Here's our Capital One® VentureOne® Rewards Credit Card review. Overall, an excellent choice for earning miles on every purchase, coupled with a respectable period of 0% intro APR for those of you looking to make big purchases.

View Details

Our Favorite Card For Long 0% Intro APR And No Foreign Transaction Fees

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Gold Mastercard<sup>®</sup> credit card

HSBC Gold Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening

Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period

$0

Good/Excellent
HSBC Gold Mastercard® credit card. With this card you get a 0% intro APR on credit card purchases and balance transfers for the first 18 months from account opening (13.24%, 17.24% or 21.24% variable APR thereafter) and a $0 annual fee. If you travel frequently overseas or abroad you'll appreciate that this card has no foreign transaction fees. Some other key features include no penalty APR, a late fee waiver and $0 liability for unauthorized purchases. Here's our HSBC Gold Mastercard® credit card review.

0% or Low Interest Credit Card Tips

A low interest credit card gives you a low introductory APR period for purchases. These cards are ideal for making big-ticket purchases, because even if you don't pay back your balance for a purchase in full by the due date, you won't pay interest on your balance until the end of the intro APR period.

For example, if you buy a second hand car for $10,000 using a card that has a 0% intro APR period of 15 months for purchases, you won't have to pay interest on those $10,000 of credit until 15 months after you open your new card account. If you pay off the balance in full before then, you basically get an interest-free loan.

Alternatively you can also use a card that has a low ongoing APR and an intro APR for balance transfers. This may be a better choice if you regularly carry a balance on your purchases.

If you already have built up a balance and want to avoid paying interest for your card debt, then a balance transfer credit card is a good choice.

Some credit cards offer low introductory APR periods for both purchases and balance transfers. A card like this lets you save on your balance transfers while taking advantage of a low intro purchase APR.

If you have balances on your old credit cards and you're paying high interest on them, then changing to a card that gives you 0% introductory APR on both purchases and balance transfers is ideal.

But if you don't have a balance that you want to pay off (or at least avoid paying interest on) then a card that has a 0% intro APR for purchases will work just as well.

Some cards offer a low introductory APR for purchases, but not a 0% introductory rate. Unless your credit doesn't let you get a 0% intro APR card (most require excellent credit), or you don't intend to carry a balance, we would recommend that you only consider cards with a 0% introductory APR offer.

How we rate low interest credit cards

Low interest credit cards are rated by GET.com based on the interest savings they offer, among other factors. We look at introductory APR periods on purchases, and ongoing purchase APRs. We rate cards based on the length of the low intro purchase APR period as well as the APR offer during that period. Cards with a 0% introductory purchase APR period will usually receive higher ratings.

Cards that offer low ongoing APR rates for purchases may also receive good ratings. Other factors we take into account when rating cards are annual fees, purchase benefits (like purchase protection and price protection), rewards, travel benefits, other card fees (like foreign transaction fees) and unique card benefits.