A low interest or 0% credit card can be a life saver, whether you are looking to get rid of an existing credit card debt or to purchase something expensive. Many of these credit cards offer 0% introductory APR for purchases and/or balance transfers for a certain period of time, so that you can have an easier time paying off a balance or an expensive item.

We at GET.com have shortlisted some of the best low interest credit cards in the market right now, many of which offer at least 12 months of 0% APR on purchases and balance transfer, rewards or waived annual fees. Start saving money today with these low interest rate options.

Best Card For Balance Transfers

  • Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Fantastic
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine.
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening.
    • 0% Introductory APR for 15 months on purchases and balance transfers.
    • Monthly FICO® Score and Credit Dashboard for free.
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply.
    • $0 Annual Fee.
    APPLY NOWAt Chase's secure website

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    13.24%-23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    Fantastic
    • Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    13.24%-23.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Fantastic
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine.
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening.
    • 0% Introductory APR for 15 months on purchases and balance transfers.
    • Monthly FICO® Score and Credit Dashboard for free.
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply.
    • $0 Annual Fee.
    APPLY NOWAt Chase's secure website
Chase Slate® deserves the top spot for being a card that could bring significant savings if you are looking to consolidate your existing credit card debt. When you do a balance transfer within the first 60 days of account opening, there is no balance transfer fee to pay. Most other cards charge a 3-5% balance transfer fee right from the beginning. So, for instance, if you transfer a $10,000 balance to this card within the first 60 days, that's already a minimum savings of $300. Chase Slate® has a 0% introductory APR for 15 months on purchases and balance transfers (13.24%-23.24% variable APR on purchases and balance transfers after that). What's more, there's a $0 annual fee. Here's our Chase Slate® review. Considering these benefits, we picked this card to be the best for balance transfers.

Best Low Interest And Rewards Card

Chase Freedom<sup>®</sup>

Chase Freedom®

  • Our Rating:
  • Our Rating:
  • 4.90/5
Rate This Card
APPLY NOWAt Chase's secure website

FANTASTIC

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs. Unlimited 1% cash back on all other purchases - it's automatic.

BEWARE OF

  • 5% cash back on combined purchases in bonus categories capped at $1,500 per quarter.
  • Has foreign transaction fees.

INTRO APR

0% Intro APR for 15 months from account opening on purchases and balance transfers

REGULAR APR

14.24%-23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open
  • No Annual Fee
Chase Freedom® is a rewards card that has no annual fee and a 0% intro APR for 15 months for purchases and balance transfers (balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater). After that, there is a 14.24%-23.24% variable APR for both purchases and balance transfers. You'll also get 5% cash back on quarterly rotating categories (on up to $1,500 in combined purchases per quarter), and an unlimited 1% cash back on all other purchases. Chase Freedom® lets you earn a $150 Bonus, which you'll receive after making just $500 in purchases within the first 3 months, and an additional $25 Bonus after you add your first authorized user and make a purchase during this 3-month period. Here's our Chase Freedom® review. Overall, this Visa card is great for earning rewards and for its low interest benefits.

Our Favorite For Low Interest And Earning Cash Back Twice

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

  • Our Rating:
  • Our Rating:
  • 4.75/5
Rate This Card
APPLY NOWAt Citi's secure website

FANTASTIC

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.

INTRO APR

0% intro APR on balance transfers for 18 months

REGULAR APR

13.24% - 23.24%* (Variable)

ANNUAL FEE

$0*

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Citi® Double Cash Card – 18 month BT offer, a partner card, has a great combination of benefits which can save you some money: It has no annual fee, good cash back rewards, and a 0% intro APR on balance transfers for 18 months, 13.24% - 23.24% variable APR thereafter (click the 'Apply Now' button to learn about the applicable balance transfer fee and how making a balance transfer impacts interest on purchases). You earn cash back twice on every purchase: unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. The cash back you earn is unlimited and you can redeem for statement credit, a check, or a gift card. Here's our Citi® Double Cash Card – 18 month BT offer review. Citi® Double Cash Card – 18 month BT offer is a good choice for you if you want to earn cash back twice and have a long 0% introductory APR period on balance transfers with no annual fee.

Best For Flat-Rate Cash Back

Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Our Rating:
  • Our Rating:
  • 4.90/5
Rate This Card
APPLY NOWAt Chase's secure website

FANTASTIC

  • New! 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.

INTRO APR

0% Intro APR for 15 months from account opening on purchases and balance transfers

REGULAR APR

14.24%-23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • New! 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Chase Freedom Unlimited℠ comes with 0% Intro APR for 15 months from account opening on purchases and balance transfers, after which the regular 14.24% - 23.24% variable APR applies. You earn a $150 Bonus after charging $500 of purchases to your new card in your first 3 months from account opening. Every time you use this card to pay for purchases, you earn unlimited 1.5% cash back on every purchase (it's automatic). You can redeem your cash back any time you choose, for any amount. This Visa credit card has no annual fee.

Best For No Fees And Cashback Match

Discover it<sup>®</sup> Cashback Match™

Discover it® Cashback Match™

  • Our Rating:
  • Our Rating:
  • 4.85/5
Rate This Card
APPLY NOWAt Discover's secure website

FANTASTIC

  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • You could turn $200 into $400 with Cashback Match™. Discover will automatically match all the cash back you earn at the end of your first year. New cardmembers only.

INTRO APR

0% on purchases and balance transfers for 12 months

REGULAR APR

11.24% - 23.24% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • You could turn $200 into $400 with Cashback Match&trade;. Discover will automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Discover it® Cashback Match™ offers 0% intro APR on purchases and balance transfers for the first 12 months and a 11.24% - 23.24% variable APR for purchases and balance transfers thereafter. The balance transfer fee is 3%. You will get 5% cash back for purchases in bonus categories that change every quarter (up to a quarterly maximum of $1,500) and unlimited 1% cash back for your other purchases. Just for new cardmembers: Automatically match all the cash back you've earned with this card at the end of your first year. Here's our Discover it® Cashback Match™ review. We like that Discover it® Cashback Match™ has no late fees for your first late payment, no penalty APR, no foreign transaction and no annual fee.

Our Favorite For Low Interest And Earning Miles

Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

  • Our Rating:
  • Our Rating:
  • 4.30/5
Rate This Card

FANTASTIC

  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee.
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.

INTRO APR

0% on purchases for 12 months

REGULAR APR

12.24% - 22.24% (Variable)

ANNUAL FEE

$0

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
Capital One® VentureOne® Rewards Credit Card is a Visa card that offers 0% intro APR on purchases for 12 months. After that, you will have an 12.24% - 22.24% variable APR depending on your creditworthiness. This card gives you 20,000 bonus miles ($200 in travel) after you spend $1,000 on purchases within the first 3 months. You can earn an unlimited 1.25 miles per dollar on every purchase. There is a $0 annual fee. Here's our Capital One® VentureOne® Rewards Credit Card review. Overall, an excellent choice for earning miles on every purchase, coupled with a respectable period of 0% intro APR for those of you looking to make big purchases.

View Details

Our Favorite For Long 0% Intro APR

Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card

Citi® Diamond Preferred® Card

  • Our Rating:
  • Our Rating:
  • 4.40/5
Rate This Card
APPLY NOWAt Citi's secure website

FANTASTIC

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • After that.
  • The APR will be 12.24%-22.24% based upon your creditworthiness*.
  • 24/7 access to Citi® Concierge for help in booking hotels.
  • Flights and more.

INTRO APR

0%* on purchases and balance transfers for 21 months*

REGULAR APR

12.24% - 22.24%* (Variable). 12.24% - 22.24%* (Variable)

ANNUAL FEE

$0*

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Citi® Diamond Preferred® Card, a partner card, has a 0% intro APR on purchases and balance transfers for 21 months. After that, 12.24% - 22.24%* (Variable). 12.24% - 22.24%* (Variable) (depending on creditworthiness) for both purchases and balance transfers. A balance transfer fee equal to 3% of the amount of each transfer (or $5 minimum per transfer) applies. As a cardholder you'll have access to its 24/7 Diamond Preferred concierge service. Here's our Citi® Diamond Preferred® Card review.

0% or Low Interest Credit Card Tips

A low interest credit card gives you a low introductory APR period for purchases. These cards are ideal for making big-ticket purchases, because even if you don't pay back your balance for a purchase in full by the due date, you won't pay interest on your balance until the end of the intro APR period.

For example, if you buy a second hand car for $10,000 using a card that has a 0% intro APR period of 15 months for purchases, you won't have to pay interest on those $10,000 of credit until 15 months after you open your new card account. If you pay off the balance in full before then, you basically get an interest-free loan.

Both Chase Freedom® (0% intro APR for 15 months for purchases and balance transfers, then 14.24%-23.24% variable APR) and Citi® Diamond Preferred® Card (0% intro APR on purchases and balance transfers for 21 months, with 12.24% - 22.24%* (Variable). 12.24% - 22.24%* (Variable) after) have long introductory purchase APR periods.

Alternatively you can also use a card that has a low ongoing standard APR. This may be a better choice if you regularly carry a balance on your purchases. Barclaycard® Ring MasterCard® has 8.25% variable APR, which makes it a good card to use if you are in the habit of carrying a balance.

If you already have built up a balance and want to avoid paying interest for your card debt, then a balance transfer credit card is a better choice. This kind of card comes with a long introductory APR period for balance transfers.

Some credit cards offer low introductory APR periods for both purchases and balance transfers. A card like this lets you save on your balance transfers while taking advantage of a low intro purchase APR.

If you have balances on your old credit cards and you're paying high interest on them, then changing to a card that gives you 0% introductory APR on both purchases and balance transfers is ideal.

But if you don't have a balance that you want to pay off (or at least avoid paying interest on) then a card that has a 0% intro APR for purchases will work just as well.

Some cards offer a low introductory APR for purchases, but not a 0% introductory rate. Unless your credit doesn't let you get a 0% intro APR card (most require excellent credit), or you don't intend to carry a balance, we would recommend that you only consider cards with a 0% introductory APR offer.

How we rate low interest credit cards

Low interest credit cards are rated by GET.com based on the interest savings they offer, among other factors. We look at introductory APR periods on purchases, and ongoing purchase APRs. We rate cards based on the length of the low intro purchase APR period as well as the APR offer during that period. Cards with a 0% introductory purchase APR period will usually receive higher ratings.

Cards that offer low ongoing APR rates for purchases may also receive good ratings. Other factors we take into account when rating cards are annual fees, purchase benefits (like purchase protection and price protection), rewards, travel benefits, other card fees (like foreign transaction fees) and unique card benefits.