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 16.74% – 28.74% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 16.74% – 28.74% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A

BankAmericard® credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
N/A
Intro Bonus
N/A

Citi® Diamond Preferred® Card

Purchase APR
0% intro APR for 12 months on Purchases, then 16.74% – 27.49% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 16.74% – 27.49% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.

Bank of America® Customized Cash Rewards credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
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

Discover it® Cash Back

Purchase APR
0% Intro APR on purchases for 15 months, then 15.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 15.74% – 26.74% 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.

Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 18.74%, 23.74%, or 28.74% 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

Capital One SavorOne Cash Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 17.99% – 27.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 17.99% – 27.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Cash Back
1% – 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Earn 8% cash back on Capital One Entertainment purchases

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

Earn 1% on all other purchases
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Citi Custom Cash℠ Card

Purchase APR
0% intro APR for 15 months on Purchases, then 17.74% – 27.74% (Variable)
Balance Transfer APR
0% intro APR for 15 months on Balance Transfers, then 17.74% – 27.74% (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 $1500 on purchases in the first 6 months of account opening.

Bank of America® Unlimited Cash Rewards credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
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

U.S. Bank Visa® Platinum Card

Purchase APR
0% Intro APR for 18 billing cycles on purchases, then 18.24% – 28.24% (Variable)
Balance Transfer APR
0% Intro APR for 18 billing cycles on balance transfers, then 18.24% – 28.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Good/Excellent
670 – 850*
Cash Back
N/A
Intro Bonus
N/A

Capital One Quicksilver Cash Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 17.99% – 27.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 17.99% – 27.99% (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 and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

U.S. Bank Cash+® Visa Signature® Card

Purchase APR
0% Intro APR for 15 billing cycles on purchases, then 18.24% – 28.24% (Variable)
Balance Transfer APR
0% Intro APR for 15 billing cycles on balance transfers, then 18.24% – 28.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Good/Excellent
670 – 850*
Cash Back
1% – 5%5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose

5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center

2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants

1% cash back on all other eligible purchases
Intro Bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Discover it® Balance Transfer

Purchase APR
0% Intro APR on purchases for 6 months, then 15.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 15.74% – 26.74% 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.

Capital One VentureOne Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 17.99% – 27.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 17.99% – 27.99% (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 and rental cars booked through Capital One Travel. Terms apply
Intro Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Discover it® chrome

Purchase APR
0% Intro APR on purchases for 15 months, then 15.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 15.74% – 26.74% 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 15.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 15.74% – 26.74% 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 17.24% – 27.24% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 17.24% – 27.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point 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 17.74%-28.74% Variable
Balance Transfer APR
0% on balance transfers for 15 months, then 17.74%-28.74% Variable
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%.

New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Welcome Bonus
Earn up to $250 Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
Rates and Fees |Terms Apply

Bank of America® Travel Rewards credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1.5x Points 1.5 points per $1 spent on all purchases.

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 17.74%-28.74% Variable
Balance Transfer APR
0% intro APR for 12 months, then 17.74%-28.74% Variable
Annual Fee
$0 intro annual fee for the first year, then $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 $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Rates and Fees |Terms Apply

Wells Fargo Autograph℠ Card

Purchase APR
0% intro APR for 12 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR
Balance Transfer APR
18.74%, 23.74%, or 28.74% 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
Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value. Offer expires 1/10/2023

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.