Best Low Interest Credit Cards of August 2026
These are the best products for you based on your credit.
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Best Low Interest Credit Cards of August 2026
Products from our Partners.
Wells Fargo Reflect® Card
on Wells Fargo's secure site
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
- 17.49%, 23.99%, or 28.24% Variable APR on purchases and qualifying balance transfers
- $0 annual fee and up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- $0
- Excellent/Good
Chase Freedom Unlimited®
on Chase's secure site
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
- 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
- $0
- Excellent/Good
BankAmericard® credit card
on Bank of America's secure site
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. A fee of 5% of the amount of each transaction applies to all balance transfers.
- 14.99% - 25.99% Variable APR on purchases and balance transfers
- This card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
- $0
- Excellent, Good
Bank of America® Travel Rewards credit card
on Bank of America's secure site
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, 17.49% - 27.49% Variable APR on purchases and balance transfers thereafter. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent, Good
Wells Fargo Active Cash® Card
on Wells Fargo's secure site
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 12 months from account opening on purchases & qualifying balance transfers, 18.49%, 24.49%, or 28.49% Variable APR thereafter
- $0
- Excellent/Good
Discover it® Cash Back
on Capital One's secure site
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 17.49% - 26.49% (Variable) APR. Balance transfer fee applies.
- $0
- Good, Excellent
Discover
Bank of America® Unlimited Cash Rewards credit card
on Bank of America's secure site
- Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 1.5% cash back on all purchases
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent/Good
Wells Fargo Autograph® Card
on Wells Fargo's secure site
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
- 0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49%, or 28.49% Variable APR thereafter
- $0
- Excellent, Good
Low Interest Credit Cards
Credit cards with low interest rates can be very powerful tools to help strengthen your finances in a variety of situations. There are a few different types of low interest credit cards, and each one has different pros and cons. As you would expect, the top feature you will want to consider when looking at low interest credit cards is the interest rates. Two popular choices for low interest credit cards are the Citi® Diamond Preferred® Card.
Interest rates, otherwise known as the APR (stands for Annual Percentage Rate) come in various forms on any credit card. The attention-grabbing interest rates and the ones that can help you save a lot of money are the introductory APRs. Many cards offer introductory periods of 0% APR for a number of months – ranging from 6 months all the way out to 18 months! These intro APRs can apply to purchases or balance transfers, although many cards have the same intro APR length for both types of transactions.
0% APR on Purchases
A 0% intro APRs on purchases can be a very useful financial tool in a variety of situations. Think of it as essentially an interest free loan. Say you have an unexpected expense and need to make a big purchase, like replacing a broken refrigerator, but you don’t have the cash on hand to do it. A credit card with a 0% intro APR on purchases allows you to make that purchase now and spread payments out over time. As long as you pay your balance off in full before the introductory period is up, you won’t have to pay a penny of interest! The way to do this is to take the take total cost of your purchase, divide by the number of months that your intro APR lasts, and make payments in that amount every month. For example, if you need to buy a refrigerator that costs $1,500, and you get a low interest credit card with 0% intro APR for 15 months, you simply pay $100 a month and by the time your introductory rate is up, you will have paid your balance off in full.
0% APR on Balance Transfers
Intro APRs on balance transfers essentially work in the same way, but instead of purchases, the 0% rate applies to the balance you transfer over from another credit card. It’s easy to get behind on your credit card payments and your balance can begin to snowball into more debt if your card charges a high interest rate. That’s where a 0% intro APR on balance transfers comes in. By transferring your balance to a low interest card, you can pay your debt down totally interest free during the intro period. That means that every penny of your payment will go towards the principle of your balance.
Whether you plan on using your low interest credit card for a balance transfer or for purchases, these credit cards are excellent tools to help streamline your finances and save you money. Take a look at the low interest credit cards listed above and select the best one for you!
