Best Low Interest Credit Cards

Credit Card

Company

Credit Needed
Blue Cash Everyday® Card from American Express
American Express
Good or Excellent
Blue Cash Preferred® Card from American Express
American Express
Good or Excellent
BankAmericard® Credit Card
Bank of America
Good or Excellent
Wells Fargo Propel American Express® Card
Wells Fargo
Good or Excellent
Citi® Double Cash Card
Citibank
Good or Excellent
Citi® Diamond Preferred® Card
Citibank
Good or Excellent
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Here are the Best Low Interest Credit Cards of 2020

Blue Cash Everyday® Card from American Express

Annual Fee

$0

APR

12.99% to 23.99%
Variable

Credit Needed

Good or Excellent
  • $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

Annual Fee

$95

APR

12.99% – 23.99%
Variable

Credit Needed

Good or Excellent
  • 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

Annual Fee

$0

APR

12.99% – 22.99%
Variable

Credit Needed

Good or Excellent
  • 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

Annual Fee

$0

APR

13.99% – 25.99%
Variable

Credit Needed

Good or Excellent
  • 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.

Chase Freedom Unlimited®

Annual Fee

$0

APR

14.99% – 23.74%
Variable

Credit Needed

Good or Excellent
  • 0% Intro APR for 15 months on both purchase and balance transfers. Balance transfer fee is 3% of the amount transferred.
  • 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.
  • No minimum to redeem for cash back.
  • Cash Back rewards do not expire as long as your account is open.
  • Free credit score, updated weekly with Credit Journey℠.

Wells Fargo Propel American Express® Card

Annual Fee

$0

APR

13.99% – 25.99%
Variable

Credit Needed

Good or Excellent
  • 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

Annual Fee

$0

APR

13.99% – 23.99%
Variable

Credit Needed

Good or Excellent
  • 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

Annual Fee

$0

APR

13.74% – 23.74%
Variable

Credit Needed

Good or Excellent
  • 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.

Summary of Best Low Interest Credit Cards

Credit Card
Best For
0% Intro Purchase APR Period
Regular APR
Discover it® Cash Back
Low interest
14 months
11.99% – 22.99% (Variable)
Blue Cash Everyday® Card from American Express
0% intro APR
15 months
13.99% – 23.99% (Variable)
American Express Cash Magnet® Card
No annual fee
15 months
13.99% – 23.99% (Variable)
Wells Fargo Cash Wise Visa® card
Digital wallet purchases
15 months
14.49% – 24.99% (Variable)
Wells Fargo Propel American Express® card
Sign-up bonus
12 months
14.49% – 24.99% (Variable)
Citi® Double Cash Card
Cash back
N/A
13.99% – 23.99% (Variable)
Wells Fargo Platinum card
Good credit
18 months
16.49% – 24.49%(Variable)
Citi® Diamond Preferred® Card
Balance transfers
18 months
14.74% – 24.74%(Variable)
Blue Cash Preferred® Card from American Express
U.S. supermarkets
12 months
13.99 – 23.99% (variable)
BankAmericard® credit card
No penalty APR
18 billing cycles
14.49% – 24.49% (Variable)

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