Low Interest & 0% APR Cards

Low-interest and 0% APR credit cards help consumers reduce or avoid interest costs on purchases, balance transfers, or both. Low-interest cards offer ongoing lower rates, making them ideal for those who carry a balance from time to time.

0% APR cards provide an introductory period—typically 6 to 21 months—during which no interest is charged. This can be especially helpful for financing large purchases or paying down debt without added costs during the promo window.

After the promotional period ends, standard interest rates apply, which can be high. To make the most of these cards, it's important to manage payments carefully and pay off balances before interest kicks in.