Best Low Interest Credit Cards

Low interest credit cards are ideal for people who tend to carry a balance and want to minimize finance charges. These cards typically offer below-average APRs and may also include 0% intro APR offers. If you’re looking to save money on interest while paying off purchases over time, a low interest card can provide predictable and affordable payments.

Our Picks

Last updated July 29, 2025

USAA Rate Advantage Visa® Platinum Credit Card

USAA

USAA Rate Advantage Visa® Platinum Credit Card

View Rates and Fees

Annual Fee	$0
Network	Visa

3.2

at USAA's secure site

Wells Fargo Reflect® Card

Wells Fargo

Wells Fargo Reflect® Card

View Rates and Fees

Annual Fee	$0
Network	Visa

3.1

at Wells Fargo's secure site

BankAmericard® Credit Card

Bank of America

BankAmericard® Credit Card

View Rates and Fees

Annual Fee

$0

2.7

at Bank of America's secure site

CITI SIMPLICITY® CARD

Citi

CITI SIMPLICITY® CARD

View Rates and Fees

Annual Fee	$0
Rewards Rate	None
Sign Up Bonus	None
Network	Mastercard

2.8

at Citi's secure site

Resources

Low Interest vs. 0% APR: Which Card Is Best?

How a Low-Interest Card Can Help You Pay Off Debt

What Is a Good Credit Card APR?

Low Interest Cards: What's the Catch?

Can You Negotiate a Lower Credit Card APR?

Is Carrying a Balance on a Low Interest Card Wise?

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