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
Long 0% Intro APR For Balance TransfersDiscover it® 21 Month Balance Transfer Offer
Low interestChase Freedom®
Balance transferChase Slate®
Cash backCiti® Double Cash Card
No feesDiscover it® Cashback Match™

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.

Best For Longest 0% Intro Period For Balance Transfers

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

    Why we like it
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases for 6 months and 0% on balance transfers for 21 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • You get a long introductory APR period for balance transfers.

    Intro APR

    0% on purchases for 6 months and 0% on balance transfers for 21 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website
Discover it® 21 Month Balance Transfer Offer is the card to use if you want to transfer a balance and also enjoy top cash back on your spending. It has a 0% intro APR for 21 months on balance transfers and 0% intro APR for 6 months on purchases, with 11.49% - 23.49% variable APR after that. You get the great welcome offer: Discover automatically gives you a dollar-for-dollar match of all the cash back you've earned at the end of your first year. This offer is for new cardmembers. You earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, and more, up to $1,500 every quarter you activate. Plus, you enjoy unlimited 1% cash back on all your other purchases. This solid balance transfer credit card has no annual fee.

Best Low Interest And Rewards Card

  • Chase Freedom<sup>®</sup>
    • Our Rating:
    • Our Rating:
    • 4.85/5
    • User Rating:
    • 3.00/5
    Rate This Card

    Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Why we like it
    • 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
    • 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 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Enjoy new 5% categories every 3 months
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    APPLY NOWAt Chase's secure website

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    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 every 3 months. Unlimited 1% cash back on all other purchases.
    We least like
    • 5% cash back on combined purchases in bonus categories capped at $1,500 per quarter.
    • Has foreign transaction fees.

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 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
    • 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 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Enjoy new 5% categories every 3 months
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    APPLY NOWAt Chase's secure website
Chase Freedom® is a rewards card that has no annual fee and a 0% intro APR for 15 months for purchases and balance transfers (balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater). After that, there is a 15.49% - 24.24% variable APR for both purchases and balance transfers. 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, and an additional $25 Bonus after you add your first authorized user and make a purchase during this 3-month period. Here's our Chase Freedom® review. Overall, this Visa card is great for earning rewards and for its low interest benefits.

Best Card For Balance Transfers

  • Chase Slate<sup>®</sup>
    • Our Rating:
    • Our Rating:
    • 4.30/5
    • User Rating:
    • 3.67/5
    Rate This Card

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Why we like it
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    APPLY NOWAt Chase's secure website

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    APPLY NOWAt Chase's secure website
Chase Slate® deserves the top spot for being a card that could bring significant savings if you are looking to consolidate your existing credit card debt. When you do a balance transfer within the first 60 days of account opening, there is no balance transfer fee to pay. Most other cards charge a 3-5% balance transfer fee right from the beginning. So, for instance, if you transfer a $10,000 balance to this card within the first 60 days, that's already a minimum savings of $300. Chase Slate® has a 0% introductory APR for 15 months on purchases and balance transfers (15.49% - 24.24% variable APR on purchases and balance transfers after that). What's more, there's a $0 annual fee. Here's our Chase Slate® review. Considering these benefits, we picked this card to be the best for balance transfers.

Our Favorite For Low Interest And Earning Cash Back Twice

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases

    Why we like it
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness
    • 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

    Intro APR

    0% Intro APR on Balance Transfers for 18 months

    Regular APR

    13.99% - 23.99%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    APPLY NOWAt Citi's secure website
    Why we like it
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy.
    • Plus an additional 1% as you pay for those purchases.
    • Introductory APR offer.

    Intro APR

    0% Intro APR on Balance Transfers for 18 months

    Regular APR

    13.99% - 23.99%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness
    • 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
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, 13.99% - 23.99% 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 cash back twice on every purchase: unlimited 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.

Best For Flat-Rate Cash Back

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Why we like it
    • Unlimited 1.5% cash back on every purchase - it's automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Redeem for cash - any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    APPLY NOWAt Chase's secure website

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Unlimited 1.5% cash back on every purchase - it's automatic.
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Unlimited 1.5% cash back on every purchase - it's automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Redeem for cash - any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    APPLY NOWAt Chase's secure website

Chase Freedom Unlimited℠ comes with 0% intro APR for 15 months from account opening on purchases and balance transfers, after which the regular 15.49% - 24.24% variable APR applies. You earn a $150 Bonus after charging $500 of purchases to your new card in your first 3 months from account opening. Every time you use this card to pay for purchases, you earn unlimited 1.5% cash back on every purchase (it's automatic). You can redeem your cash back any time you choose, for any amount. This Visa credit card has no annual fee.

Best For No Fees And Cashback Match

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

    Why we like it
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases and balance transfers for 14 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.

    Intro APR

    0% on purchases and balance transfers for 14 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, unlimited 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements and online.
    • No annual fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback MatchTM details & other information.
    APPLY NOWAt Discover's secure website

Discover it® Cashback Match™ offers 0% intro APR on purchases and balance transfers for the first 14 months and a 11.49% - 23.49% variable APR for purchases and balance transfers thereafter. The balance transfer fee is 3%. You will get 5% cash back for purchases in bonus categories that change every quarter (up to a quarterly maximum of $1,500) and unlimited 1% cash back for your other purchases. Just for new cardmembers: Automatically get a dollar-for-dollar match of all the cash back you've earned at the end of your first year. Here's our Discover it® Cashback Match™ review. We like that Discover it® Cashback Match™ has no late fees for your first late payment, no penalty APR, no foreign transaction and no annual fee.

Our Favorite For Low Interest And Earning Miles

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel

    Why we like it
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire and there's no limit to how many you can earn

    Intro APR

    0% intro on purchases for 12 months

    Regular APR

    12.49% - 22.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel.

    Intro APR

    0% intro on purchases for 12 months

    Regular APR

    12.49% - 22.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire and there's no limit to how many you can earn
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 12.49% - 22.49% 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 of approval. You can earn an unlimited 1.25 miles per dollar on every purchase. 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 For Long 0% Intro APR

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*.

    Why we like it
    • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
    • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
    • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
    • No annual fee*
    • Free access to FICO® Scores*
    APPLY NOWAt Citi's secure website

    Intro APR

    0%* on purchases* and balance transfers* for 21 months

    Regular APR

    12.99% - 22.99%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    APPLY NOWAt Citi's secure website
    Why we like it
    • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*.
    • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.

    Intro APR

    0%* on purchases* and balance transfers* for 21 months

    Regular APR

    12.99% - 22.99%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
    • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
    • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
    • No annual fee*
    • Free access to FICO® Scores*
    APPLY NOWAt Citi's secure website
Citi® Diamond Preferred® Card, a partner card, has a 0% intro APR on purchases and balance transfers for 21 months. After that, 12.99% - 22.99%* (Variable) (depending on creditworthiness) for both purchases and balance transfers. A balance transfer fee equal to 3% of the amount of each transfer (or $5 minimum per transfer) applies. As a cardholder you'll have access to its 24/7 Diamond Preferred concierge service. Here's our Citi® Diamond Preferred® Card review.

Best Card For Long 0% Intro APR And Gas Rewards

  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases

    Why we like it
    • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
    • $0 Annual Fee
    • Enjoy exclusive offers on airline tickets, hotels, car rentals, and cruises
    • Redeem points for travel, gift cards, cash redemption options or merchandise through Go FarTM Rewards
    • 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 Propel American Express® Card
    • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% intro APR for 15 months on purchases and balance transfers

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% intro APR for 15 months on purchases and balance transfers

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
    • $0 Annual Fee
    • Enjoy exclusive offers on airline tickets, hotels, car rentals, and cruises
    • Redeem points for travel, gift cards, cash redemption options or merchandise through Go FarTM Rewards
    • 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 Propel American Express® Card
    • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website
Wells Fargo Propel American Express® Card lets you enjoy an extra long 0% intro APR for 15 months on purchases and balance transfers and a relatively low 13.49% - 25.49% variable APR after that. This card has a $0 annual fee and if you're looking to earn more at the pump you'll be pleased to hear that you can earn 3X points at U.S. gas stations, 2X points at U.S. restaurants and 1X points on other purchases you make. Redeem points for travel, gift cards, cash redemption options or merchandise through Go Fartm Rewards. Enjoy exclusive offers on airline tickets you book, hotels, car rentals, and cruises and an annual relationship bonus of 10% Go Fartm Rewards points on non-bonus rewards points if you maintain a qualifying Consumer Wells Fargo Checking or Savings account.

Our Favorite For Low Interest And Android PayTM Or Apple PayTM

  • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months

    Why we like it
    • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months
    • Earn unlimited 1.5% cash rewards on virtually every purchase
    • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android PayTM, during the first 12 months from account opening
    • Cash rewards don't expire as long as your account remains open
    • $0 Annual Fee
    • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
    • 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 Cash Wise Visa® Credit Card
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% intro APR for 12 months on purchases and balance transfers

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% intro APR for 12 months on purchases and balance transfers

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months
    • Earn unlimited 1.5% cash rewards on virtually every purchase
    • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android PayTM, during the first 12 months from account opening
    • Cash rewards don't expire as long as your account remains open
    • $0 Annual Fee
    • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
    • 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 Cash Wise Visa® Credit Card
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website
Wells Fargo Cash Wise Visa® Credit Card lets you enjoy a 0% intro APR for 12 months on purchases and balance transfers, after that period you get a 13.49% - 25.49% variable APR (balance transfer fees apply). With this card you earn unlimited 1.5% cash rewards on purchases you make everyday. Enjoy 1.8% cash rewards on the purchases you make on Android PayTM or Apple PayTM mobile wallet within the first 12 months of opening your account. After you spend $1,000 within the first 3 months of card membership you get $150 cash rewards bonus! There are no category restrictions or quarterly sign ups and cash rewards never expire as long as you keep your account open. This card has $0 annual fee.

Our Favorite For Long 0% Intro APR And Phone Coverage

  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% variable APR; balance transfer fees apply

    Why we like it
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% variable APR; balance transfer fees apply
    • 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 Platinum Visa® Credit Card
    • Free access to your FICO® Credit Score with Wells Fargo Online®
    • Zero Liability protection for promptly reported unauthorized transactions
    • Convenient tools to help create a budget and manage your spending with My Money Map
    • $0 Annual Fee
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.65% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.65% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% variable APR; balance transfer fees apply
    • 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 Platinum Visa® Credit Card
    • Free access to your FICO® Credit Score with Wells Fargo Online®
    • Zero Liability protection for promptly reported unauthorized transactions
    • Convenient tools to help create a budget and manage your spending with My Money Map
    • $0 Annual Fee
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

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.

Both Chase Freedom® (0% intro APR for 15 months for purchases and balance transfers, then 15.49% - 24.24% variable APR) and Citi® Diamond Preferred® Card (0% intro APR on purchases and balance transfers for 21 months, with 12.99% - 22.99%* (Variable) after) have long introductory purchase APR periods.

If you use Citi® Diamond Preferred® Card you get a long introductory purchase APR period (0% intro APR on purchases and balance transfers for 21 months), with 12.99% - 22.99%* (Variable) after.

Alternatively you can also use a card that has a low ongoing standard APR. This may be a better choice if you regularly carry a balance on your purchases. Barclaycard Ring™ Mastercard® has 13.49% variable APR, which makes it a good card to use if you are in the habit of carrying a balance. This card also has a 0% intro APR for 15 months on purchases and balance transfers (made within 45 days of account opening).

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 better choice. This kind of card comes with a long introductory APR period for balance transfers.

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.