Best Low Interest & 0% APR Cards of 2026
Save hundreds on interest with our top-rated low APR and 0% intro rate cards.
Top Low Interest Credit Cards
Citi Simplicity® Card
Citi
Wells Fargo Reflect® Card
Wells Fargo
Citi Diamond Preferred® Card
Citi
BankAmericard® Credit Card
Bank of America
U.S. Bank Visa® Platinum Card
U.S. Bank
Frequently Asked Questions
What is a 0% introductory APR?
A 0% introductory APR means you pay no interest on purchases, balance transfers, or both for a set period (typically 12-21 months). After the intro period ends, the standard variable APR applies to any remaining balance.
What is the longest 0% APR credit card?
The Citi Simplicity and Wells Fargo Reflect both offer 0% intro APR for 21 months, making them the longest available. The Wells Fargo Reflect can be extended to 24 months if you make on-time minimum payments.
Should I get a low-interest card or a rewards card?
If you carry a balance month-to-month, a low-interest card will save you more money than any rewards card. Pay off your balance first, then switch to a rewards card. Interest charges on a typical balance far exceed any rewards earned.
Does the 0% APR apply to balance transfers?
It depends on the card. Some cards offer 0% on both purchases and balance transfers, while others only cover one. Balance transfers typically incur a 3-5% transfer fee, even during the 0% period.
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Use our calculator to see how much you could save with a 0% APR balance transfer.
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