Best Low Interest Credit Cards

Overview:

  • If you carry a balance from month to month, consider a card with a low ongoing interest rate.
  • Ongoing variable rates as low as 8.5% are available.
  • Reduce the amount of interest you pay with a 0% introductory rate interest card.
  • 0% introductory rates are available for up to 21 months on purchases and balance transfers.
  • Make your card work twice as hard — 0% introductory rates are available on reward earning products.
  • Save even more by looking for a card with no annual fee
  • Terms vary by partner offer. Please see each bank’s application for terms and conditions.
  • Clicking View Cards will take you to CreditCards.com to compare Low Interest cards from participating partners.

Here are the best 0% APR Credit Cards of 2020

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express helps you get 0% APR for 15 months. With no annual fee, you can also earn great cash back rewards, including 3% cash back at supermarkets, 2% cash back at gas stations and 1% cash back on all other purchases.

Current Bonus: $150

Annual Fee: $0

0% APR Period: 15 months

Regular APR: 12.99% to 23.99%

Great Benefits: The Blue Cash Everyday® Card from American Express credit card has great benefits, including:

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 and at select U.S. department stores, 1% back on other purchases.
  • 0% Intro APR on purchases and balance transfers for 15 months.
  • Redeem cash back as statement credit, merchandise or gift cards.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Expresshelps you get 6% back back at U.S. supermarkets up to $6,000 per year in purchases. After you spend $6,000 at U.S. supermarkets, then you can earn 1% cash back on all purchases at U.S. supermarkets. With the Blue Cash Preferred® Card from American Express, you can receive 6% cash back on select streaming subscriptions, 3% cash back on transit such as taxis, rideshares, parking, tolls, trains, buses and more. You can also earn 3% cash back at U.S. gas stations and 1% cash back on all other purchases.

Current Bonus: $250

Annual Fee: $95

Regular APR: 12.99% – 23.99%

Great Benefits: The Blue Cash Preferred® Card from American Express has great benefits, including:

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months of account opening.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% on purchases).
  • Earn 6% cash back on select U.S. streaming subscriptions.
  • Earn 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, buses and more.
  • Earn 1% cash back on all other purchases.
  • 0% intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening.
  • Cash back that you receive is in the form of reward dollars that can be redeemed as a statement credit.

BankAmericard® Credit Card

The BankAmericard® Credit Card helps you get 0% APR for 18 months and has no annual fee.

Current Bonus: N/A

Annual Fee: $0

0% APR Period: 18 billing cycles

Regular APR: 12.99% – 22.99%

Great Benefits: The BankAmericard® credit card has great benefits, including:

  • 0% Introductory APR for 18 billing cycles for purchases.
  • 0% Introductory APR for any balance transfers made in the first 60 days.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR).

Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card helps you get 12 months of 0% APR. You can also earn 3x points restaurants, gas stations, travel and other categories, plus 1x points on every other purchases.

Current Bonus: $0

Annual Fee: 30,000 points

Regular APR: 13.99% – 25.99%

Great Benefits: Wells Fargo Propel American Express® Card has great benefits, including:

  • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value.
  • Earn 3x points for eating out and ordering in.
  • Earn 3x points for gas stations, rideshares and transit.
  • Earn 3x points for travel including flights, hotels, homestays and car rentals.
  • Earn 1x points on other purchases.
  • 0% Intro APR for 12 months on purchases and balance transfers.

Citi® Double Cash Card

The Citi® Double Cash Card helps you earn 2% cash back: 1% when you make a purchase and 1% when you pay for your credit card purchase. With no annual fee, you can earn cash back on every purchase and enjoy a 0% Intro APR on balance transfers for 18 months.

Current Bonus: $0

Annual Fee: $0

Regular APR: 13.99% – 23.99%
Great Benefits: The Citi® Double Cash Card credit card has great benefits, including:

  • Earn 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% when you pay for your credit card purchases.
  • Get 0% intro APR on balance transfers for 18 months

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card provides 0% Intro APR on balance transfers for 21 months from the date of the first transfer. You can also earn 0% Intro APR on purchases from 12 months from account opening.

Current Bonus:N/A

Annual Fee: $0

Regular APR: 13.74% – 23.74%

Great Benefits: The Citi® Diamond Preferred® Card has great benefits, including:

  • Receive 0% Intro APR on balance transfers for 21 months from date of first transfer.
  • Receive variable APR of 13.74% – 23.74% after 21 months of account opening, based on your creditworthiness.
  • All balance transfers must be completed within first 4 months.
  • Receive 0% Intro APR on purchases for 12 months from date of account opening.
  • Receive variable APR of 13.74% – 23.74%, based on your creditworthiness, after 12 months of account opening.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • Receive free access to your FICO® score.
  • Receive special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more through Citi Entertainment℠.
  • Receive $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

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