Top 10 Low-Interest Credit Cards for January 2025.

A credit card with a zero-percent or 0% APR can help you save money by halting interest accumulation for a year or longer. If you anticipate a significant expense, consider using one of these credit cards, allowing you to pay it off without incurring finance charges. Many of the top zero-percent credit cards not only feature an extended 0% APR duration but also provide rewards and bonuses that can lead to substantial savings on large purchases.

Low-interest credit cards are a smart choice for those carrying balances month-to-month. Many come from credit unions, but we’ve prioritized options open to anyone. To secure the lowest rates, good or excellent credit is usually required. While some cards offer rewards, we focused on minimizing interest when choosing the best options. Below, Finance Monthly reviews top low-interest credit cards to help you save on interest while enjoying other perks. Keep in mind, your credit score will impact the rate you qualify for.

Top 10 Low-Interest Credit Cards for January 2025

Credit Card Finance Monthly Rating Best For Annual Fee Intro APR Regular APR Learn More
BankAmericard® Credit Card 4.7/5 Long intro period + straightforward benefits $0 0% intro APR on Purchases for 18 billing cycles and Balance Transfers for 18 billing cycles 15.49%-25.49% Variable APR Bank of America
Chase Freedom Unlimited® 5.0/5 All-around cash back $0 0% intro APR for 15 months on Purchases and Balance Transfers 19.74%-28.49% Variable APR Chase
Wells Fargo Reflect® Card 4.5/5 Longest 0% intro period $0 0% intro APR for 21 months on purchases and qualifying balance transfers 17.49%, 23.99%, or 29.24% Variable APR Wells Fargo
Capital One Savor Cash Rewards Credit Card 5.0/5 Going out & staying in $0 0% intro APR for 15 months on purchases and balance transfers 19.49%-29.49% Variable APR Capital One
Discover it® Cash Back 4.9/5 Quarterly categories + matching bonus $0 0% intro APR for 15 months on purchases and balance transfers 18.49%-27.49% Variable APR Discover
U.S. Bank Visa® Platinum Card 4.5/5 Long intro period + low intro transfer fee $0 0% intro APR for 18 billing cycles on purchases and balance transfers 17.74%-28.74% Variable APR U.S. Bank
Blue Cash Everyday® Card from American Express 4.9/5 Grocery, gas & online rewards $0 0% intro APR for 15 months on purchases and balance transfers 18.24%-29.24% Variable APR American Express
Citi Custom Cash® Card 4.7/5 Automatic 5% rewards $0 0% intro APR on purchases and balance transfers for 15 months 18.49%-28.49% Variable APR Citibank
Chase Freedom Flex® 4.9/5 Quarterly categories + cash bonus $0 0% intro APR for 15 months on purchases and Balance Transfers 19.74%-28.49% Variable APR Chase
Bank of America® Unlimited Cash Rewards Credit Card 4.5/5 Simplicity + relationship rewards $0 0% intro APR for 15 billing cycles on Purchases and Balance Transfers 18.49%-28.49% Variable APR Bank of America