Low APR Cards

If you are looking to save money 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 up to 21 months from account opening on purchases, then 14.49%-26.49% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 14.49%-26.49% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A


BankAmericard® credit card

Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 13.74% – 23.74% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 13.74% – 23.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670- 850*
Cash Back
N/A
Intro Bonus
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening


Citi® Diamond Preferred® Card

Purchase APR
0% intro APR for 12 months on Purchases, then 15.24% – 25.24% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 15.24% – 25.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
N/A


Discover it® Cash Back

Purchase APR
0% Intro APR on purchases for 15 months, then 13.49% – 24.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 13.49% – 24.49% 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
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.


Bank of America® Customized Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.74% – 24.74% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.74% – 24.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 3% 3% cash back 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.

1% cash back on all other purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening


Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 16.49%, 21.49%, or 26.49% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 16.49%, 21.49%, or 26.49% 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 $1,000 in purchases in the first 3 months


Chase Freedom Unlimited®

Purchase APR
0% Intro APR on Purchases for 15 months, then 15.74% – 24.49% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 15.74% – 24.49% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670- 850*
Cash Back
1.5% – 6.5% Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®

4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

3% on all other purchases (on up to $20,000 spent in the first year).

After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Welcome Bonus
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.


Citi Custom Cash℠ Card

Purchase APR
0% intro APR for 15 months on Purchases, then 15.49% – 25.49% (Variable)
Balance Transfer APR
0% intro APR for 15 months on Balance Transfers, then 15.49% – 25.49% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Cash Back
1% – 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Also, earn unlimited 1% cash back on all other purchases.
Intro Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.


Bank of America® Unlimited Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.74% – 24.74% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.74% – 24.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5% 1.5% cash back

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening


Discover it® Balance Transfer

Purchase APR
0% Intro APR on purchases for 6 months, then 13.49% – 24.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 13.49% – 24.49% 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
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.


Discover it® chrome

Purchase APR
0% Intro APR on purchases for 15 months, then 13.49% – 24.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 13.49% – 24.49% 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
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.


Discover it® Miles

Purchase APR
0% Intro APR on purchases for 15 months, then 13.49% – 24.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 13.49% – 24.49% 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
Intro Bonus
Discover will match all the Miles you’ve earned at the end of your first year.


Citi Rewards+® Card

Purchase APR
0% Intro APR for 15 months on Purchases, then 14.99% – 24.99% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 14.99% – 24.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 2x For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

Plus, earn 1X ThankYou® Points on All Other Purchases.

The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Intro Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com


Blue Cash Everyday® Card from American Express

Purchase APR
0% intro APR on purchases for 15 months, then 15.49%-25.49% Variable
Balance Transfer APR
N/A
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

2% Cash Back at U.S. gas stations.

1% Cash Back on other eligible purchases.
Welcome Bonus
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

Bank of America® Travel Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.74% – 24.74% Variable APR
Balance Transfer APR
14.74% – 24.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670- 850*
Rewards
1.5x Points 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.

If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.
Intro 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


Blue Cash Preferred® Card from American Express

Purchase APR
0% intro APR for 12 months, then 15.49%-25.49% Variable
Balance Transfer APR
N/A
Annual Fee
$95
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% Cash Back on select U.S. streaming subscriptions.

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

1% Cash Back on other purchases.
Welcome Bonus
Earn $350 back after you spend $3,000 in purchases on your new Card within the first 6 months.

Rates and Fees|Terms Apply


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.