Credit cards today can carry some pretty steep interest rates, especially if you have bad credit or carry a large balance from month to month. That is not to say thatallcredit cards rack up interest. We scour the market to find not only the best credit card low interest rates, not just for purchases, but for balance transfers, too. 

In our survey of today's best low interest credit cards, the Wells Fargo Reflect? Card tops our list, but these are the other picks that also made our list of the best low interest credit cards.

Wells Fargo Reflect? Card

Best low-interest credit card overall

card highlights intro bonusN/AAPR18.24%, 24.74%, 29.99% variable APRrecommended creditExcellent, Goodreward ratesN/Aannual fee$0 intro purchase APR0% intro APR for 21 months from account openingadditional details intro balance transfer APR0% intro APR for 21 months from account opening on qualifying balance transfersbalance transfer fee5%; min:$5balance transfer APR18.24%, 24.74%, 29.99% variable APRforeign transaction fees3%penalty APRNone

With no annual fee, the Wells Fargo Reflect? Card boasts a 0% introductory APR lasting 21 months from account opening on purchases and qualifying balance transfers (17.99% to 29.99% variable thereafter). However, you need to transfer your balance within 120 days from account opening to qualify for the introductory period. There is a balance transfer fee of 5% ($5 minimum). There are also other protections built in, such as up to$600 in cell phone protection when you use your Reflect card to pay your bill (subject to a$25 deductible). If you hit a snag on the road, 24/7 roadside dispatch is available for towing, locksmith, and other emergency roadside services. It is just another way that the Wells Fargo Reflect Card saves you money. 

Pros	Cons
No annual fee Generous APR intro period Added Wells Fargo protections	No regular rewards Foreign transaction fee

Wells Fargo Reflect? Card

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Citi? Diamond Preferred? Card

Best for balance transfers

card highlights intro bonusN/AAPR18.24% - 28.99% (Variable)recommended creditExcellent, Goodreward ratesN/Aannual fee$0 intro purchase APR0% for 12 months on Purchasesadditional details intro balance transfer APR0% for 21 months on Balance Transfersbalance transfer feeBalance transfer fee applies with this offer 5% of each balance transfer;$5 minimum.balance transfer APR18.24% - 28.99% (Variable)late payment feeUp to$41foreign transaction fees3%penalty APRUp to 29.99% (Variable)

The Citi? Diamond Preferred? Card gives an introductory offer with 0% intro APR on balance transfers for the first 21 months after you make your first balance transfer, then 17.99% - 28.74%. It is significantly longer than many other cards, giving you more time to enjoy the introductory period. For purchases, you also receive a 0% intro APR for 12 months from account opening, then 17.99% - 28.74% variable APR. There is no annual fee, either. For support, there is 24/7 customer service with automatic account alerts and custom Identity Theft services with built-in fraud protection. Citi even lets you choose your payment due date to work best with your finances each month. You can also benefit from special entertainment perks like exclusive presales and experiences.

Pros	Cons
Long introductory APR period  Multiple benefits Flexible payment options	Excellent credit required No regular rewards

Citi? Diamond Preferred? Card

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Discover it? Cash Back

Best low-interest credit card for rotating categories

card highlights intro bonusIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn$150 cash back into$300.APR17.24% - 28.24% Variable APRrecommended creditGood/Excellentreward rates

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases -automatically.

annual fee$0 intro purchase APR0% for 15 monthsadditional details intro balance transfer APR0% for 15 monthsbalance transfer fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*balance transfer APR17.24% - 28.24% Variable APRlate payment feeNone the first time you pay late. After that, up to$41.foreign transaction feesNonerewards & redemption details

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
• Earn 1% unlimited cash back on all other purchases -automatically.

Like the Chase Freedom Unlimited card, the Discover it? Cash Back offers an excellent rewards system to keep you earning while you spend. Discover offers rotating categories, giving you 5% cash back on quarterly picks like grocery stores, restaurants, gas stations, and even Amazon.com, up to the quarterly maximum. Discover even publishes its rewards system upfront for easier planning, such as 5% off gas and Target purchases in June and December's 5% off Amazon.com and digital wallet purchases. You also receive 1% cash back on all other purchases, which are automatically loaded to your account, with dollar-for-dollar unlimited Cash Back matching for your first-year spending. There also is no annual fee, and you get 0% intro APR for your first 15 months on purchases and balance transfer with a 3% Intro Balance Transfer Fee through February 10, 2023. The variable APR will go to 16.99% to 27.99% after those 15 intro months.

Pros	Cons
Attractive cash back rewards No foreign transaction fees No annual fee	Spending caps apply Rotating categories are not for everyone

Discover it? Cash Back

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U.S. Bank Visa? Platinum Card

Best low-interest credit card for intro APR

card highlights intro bonusN/AAPR18.74% - 29.74% (Variable)recommended creditExcellent/Goodreward ratesN/Aannual fee$0 intro purchase APR0% intro APR for 18 billing cycles on purchasesadditional details intro balance transfer APR0% intro APR for 18 billing cycles on balance transfersbalance transfer feeEither 3% of the amount of each transfer or$5 minimum, whichever is greaterbalance transfer APR18.74% - 29.74% (Variable)foreign transaction fees2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Visa? Platinum Card presents a 0% intro APR on purchases and balance transfers for your first 18 billing cycles (19.49% to 29.49% variable, thereafter), one of the longest introductory periods available today. There is also a special program called the U.S. Bank ExtendPay? Plan, which allows you to break up those large purchases into fixed monthly payments that are more manageable for your budget. Like Citi, you can also choose your own payment date for an added convenience. Also included is built-in fraud protection with free credit score monitoring exclusively for U.S. Bank customers. You even get automatic cell phone protection when you pay your bill with your Platinum Card.

Pros	Cons
Impressive intro APR period No penalty APR Added bonus categories	No bonus rewards Must have good credit

U.S. Bank Visa? Platinum Card

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What is the best low-interest credit card?

Wells Fargo Reflect card is the best low-interest credit card.

Credit card	APR	Recommended Credit	Introductory APR
Wells Fargo Reflect? Card	17.99% to 29.99% variable	Good, Excellent	0% intro APR from account opening for 21 months on eligible purchases and qualifying balance transfers
Chase Freedom Unlimited?	19.99% to 28.74% variable	Good, Excellent	0% intro APR for first 15 months on purchases and balance transfers
Citi? Diamond Preferred? Card	17.99% to 28.74% variable	Excellent	0% on purchases for first 12 months 0% for 21 months from date of first transfer on balance transfers made within first 4 months
Discover it? Cash Back	16.99% to 27.99% variable	Fair, Good, Excellent	0% intro APR  0% intro balance transfer APR for first 15 months
U.S. Bank Visa? Platinum Card	19.49% to 29.49% variable .	Good, Excellent	0% intro APR on purchases and balance transfers for first 18 billing cycles

Which is the right card for you?

With so many cards to choose from, it can be difficult to discern the best low interest credit card for your needs. Before you make a decision, here are some considerations.

Choose this product...	If you want...
Wells Fargo Reflect? Card	A well-rounded card with an intro 0% APR
Citi? Diamond Preferred? Card	An intro 0% APR on balance transfers
Chase Freedom Unlimited?	Diverse benefits
Discover it? Cash Back	Rewards across the board
U.S. Bank Visa? Platinum Card	A longer running APR

How did we choose these products?

To find the best low interest credit cards, we study a number of factors that can help you find the right card for your needs.

• Interest rate:A card's APR is critical because it tells you how much interest you will pay on your purchases. The lower the APR, the more you save. 

• Rewards:Many low interest credit cards also offer special rewards, like cash back on purchases. You can also earn extra cash for certain categories like gas or dining, which can quickly save you money on your monthly expenses.

• Intro offer:Several low interest credit cards may extend an introductory offer, like a longer 0% APR or cash back for certain purchases.   

• Fees:Be sure to consider other fees that may apply to your credit card, such as annual fees, foreign transaction fees, and both an APR and fee for balance transfers. 

What is a low interest credit card?

A low interest credit card is one that carries a lower APR than other cards, thus charging you lower interest and saving you money.

Why should I consider the best credit cards with low interest?

Not only do low interest credit cards save you money with a lower APR, but you can also cash in on several other valuable perks like cash back on certain purchases or an extended 0% introductory period. Many cards also carry fraud and identity theft protection with round-the-clock customer service.  

What is the best credit card for low interest?

The best credit card for low interest is the Wells Fargo Reflect? Card for its competitive APR, generous rewards, and reasonable credit qualifications. However, the other low interest credit cards on our list are worthy of a look, as they may be a better fit for your needs. 

Are there alternative cards worth considering?

In our search for the best low interest credit cards, we found many great options that work for specialized audiences. 

• BankAmericard? credit card: Best for good credit
• Bank of America? Travel Rewards credit card: For the frequent traveler
  
• Blue Cash Everyday? Card from American Express: Designed for families
  
• Capital One Quicksilver Cash Rewards Credit Card: Best for cash back
  
• Citi Rewards+? Card: Made for everyday use
  
• Petal? 2 "Cash Back, No Fees" Visa? Credit Card: A great option for beginners

While you are shopping for credit cards, consider our top picks for the best credit cards for small business, the best rewards credit cards, and the best credit cards with no annual fee.

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.?  

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