Best Credit Cards with 0% APR periods

Finding a card with a  low interest rate can help you manage your balance each month and save money on charges. Below is a guide to 5 of the best Low interest credit cards available to U.S. customers.

 

Citi Diamond Preferred Card

Introductory Offer: 0% APR for 21 months on balance transfers; 0% APR for 12 months on purchases

APR Credit card rates: 17.99% - 28.74% (Variable) after the first 21 months welcome offer
Annual Fee: $0

The Citi Diamond Preferred Card is a great option for those looking to reduce existing debt or make a large purchase and pay it off over time. The card offers one of the longest 0% APR periods for balance transfers—21 months—which can provide significant relief if you’re trying to pay off high-interest debt. However, after the introductory period, the APR can be relatively high, so it’s important to aim to pay off your balance before this period ends. The card has no annual fee, making it a cost-effective choice for the long term.

 

 

U.S. Bank Visa Platinum Card

Introductory Offer: 0% APR for 20 billing cycles on purchases and balance transfers

APR Credit card rates: 18.99% - 28.99% (Variable)  after the introductory offer comes to an end
Annual Fee: $0

The U.S. Bank Visa Platinum Card offers a solid 20-billing cycle 0% APR introductory period on both purchases and balance transfers, making it another excellent choice for those who need time to pay off expenses without accruing interest. This card also comes with no annual fee, adding to its appeal as a low-cost option for managing debt.

 

Wells Fargo Reflect Card

Introductory Offer: 0% APR for up to 21 months on purchases and qualifying balance transfers

APR Credit card rates: 18.99% - 28.99% (Variable)
Annual Fee: $0

The Wells Fargo Reflect Card offers up to 21 months of 0% APR on both purchases and balance transfers, giving you a significant window to pay off debt or finance large purchases without interest. The card extends its 0% APR period for up to 21 months, depending on your payment history, which can be a helpful feature for those who need a bit more flexibility.

 

BankAmericard Credit Card

Introductory Offer: 0% APR for 21 billing cycles on purchases and balance transfers

APR Credit card rates: 17.99% - 27.99% (Variable)
Annual Fee: $0

The BankAmericard Credit Card is another excellent option for those seeking a long 0% APR period on both purchases and balance transfers. With 21 billing cycles at 0% APR, it provides ample time to pay off balances without interest charges. The card has no annual fee, making it a straightforward, low-cost option. Additionally, Bank of America customers might benefit from their Preferred Rewards program, which can offer additional benefits based on your banking relationship.

 

Discover it Cash Back

Introductory Offer: 0% APR for 15 months on purchases and balance transfers

APR Credit card rates: 17.24% - 28.24% (Variable)

Annual Fee: $0

The Discover it Cash Back card stands out for those who want a mix of low interest and rewards. It offers 0% APR for 15 months on purchases and balance transfers, and after that, a competitive ongoing APR. Additionally, this card offers 5% cash back in rotating categories each quarter (up to the quarterly maximum, then 1%), which can add significant value if you align your spending with these categories. The card also has no annual fee and offers a dollar-for-dollar match of all the cash back you've earned at the end of your first year.