Low APR Cards

If you are looking to save money on interest with a generous 0% intro APR period on purchases, balance transfers, or both then the following cards from our partners would all be great options.

Wells Fargo Reflect® Card

Purchase APR
0% intro APR for 21 months from account opening on purchases, then 17.24%, 23.74%, or 28.99% Variable APR
Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.24%, 23.74%, or 28.99% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
N/A
Welcome Bonus
N/A

Citi Simplicity® Card

Purchase APR
0% intro APR for 12 months on Purchases, then 18.24% – 28.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 18.24% – 28.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
N/A

Bank of America® Travel Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR 
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.

3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Welcome Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Chase Freedom Unlimited®

Purchase APR
0% Intro APR on Purchases for 15 months, then 18.99% – 28.49% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 18.99% – 28.49% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Welcome Bonus
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Bank of America® Customized Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR 
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 6% 6% cash back for the first year in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category / grocery store / wholesale club quarterly purchases.

After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.

1% cash back on all other purchases.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Capital One VentureOne Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 19.24% – 29.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Rewards
1.25X – 5X Earn unlimited 1.25X miles on every purchase, every day.

Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Welcome Bonus
For a limited time, enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening

Discover it® Cash Back

Purchase APR
0% Intro APR on purchases for 15 months, then 18.24% – 27.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 18.24% – 27.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.

Bank of America® Unlimited Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5% – 2% 2% cash back on all purchases for the first year from account opening.

1.5% cash back on all purchases after the first year from account opening.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus does not apply to the .5% first year bonus.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Capital One Savor Cash Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 19.24% – 29.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Cash Back
1% – 8% Earn 8% cash back on Capital One Entertainment purchases

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Intro Bonus
For a limited time, enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Citi Strata℠ Card

Purchase APR
0% intro APR for 15 months on Purchases, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 15 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Intro Bonus
For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Citi® Diamond Preferred® Card

Purchase APR
0% intro APR for 12 months on Purchases, then 17.24% – 27.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 17.24% – 27.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A

Capital One Quicksilver Cash Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 19.24% – 29.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Cash Back
1.5% – 5% Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Welcome Bonus
For a limited time, enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Discover it® Miles

Purchase APR
0% Intro APR on purchases for 15 months, then 18.24% – 27.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 18.24% – 27.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1.5x Miles Earn Unlimited 1.5x Miles Per Dollar On All Purchases
Welcome Bonus
Discover will match all the Miles you’ve earned at the end of your first year.

Blue Cash Everyday® Card from American Express

Purchase APR
0% intro APR on purchases for 15 months from the date of account opening, then 20.24%-29.24% Variable
Balance Transfer APR
0% intro APR on balance transfers for 15 months from the date of account opening, then 20.24%-29.24% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
Cash Back
1% – 3% Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

Earn 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

Earn 3% cash back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rates and Fees |Terms Apply

TD Cash Credit Card

Purchase APR
0% introductory APR on purchases for the first 15 billing cycles after account opening, then 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Balance Transfer APR
0% introductory APR on balance transfers for the first 15 billing cycles after account opening, then 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 3% Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other purchases.
Intro Bonus
Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 12 months from account opening, then 19.24%, 24.24%, or 29.24% Variable APR
Balance Transfer APR
0% intro APR for 12 months from account opening on qualifying balance transfers, then 19.24%, 24.24%, or 29.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases.
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Blue Cash Preferred® Card from American Express

Purchase APR
0% intro APR on purchases for 12 months from the date of account opening, then 20.24%-29.24% Variable
Balance Transfer APR
0% intro APR on balance transfers for 12 months from the date of account opening, then 20.24%-29.24% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
Cash Back
1% – 6% Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

Earn 6% cash back on select U.S. streaming subscriptions.

Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

Earn 1% cash back on other purchases.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Welcome Offer
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rates and Fees |Terms Apply

Citi Double Cash® Card

Purchase APR
18.24% – 28.24% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 18.24% – 28.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Welcome Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Discover it® Chrome

Purchase APR
0% Intro APR on purchases for 6 months, then 18.24% – 27.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 18.24% – 27.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.

Wells Fargo Autograph® Card

Purchase APR
0% intro APR for 12 months from account opening, then 19.24%, 24.24%, or 29.24% Variable APR
Balance Transfer APR
19.24%, 24.24%, or 29.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Welcome Bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.