A card with a 0% intro APR period will save you the most on interest in the short term. Look for one with an introductory interest-free period longer than a year. If you tend to carry a balance most months.
Best Low Interest and 0% Intro APR Credit Cards of 2019
By: Heather Hanks May. 10, 2019
Everyone wants a credit card with a low APR. Luckily, we’ve narrowed down the top picks for the best low interest rate credit cards. Credit cards with a 0% intro APR can help you save money on interest immediately. The best low interest credit cards will have an introductory interest-free time frame that lasts one year or more. This is the best way to save money on interest over time. We narrowed down the best credit cards with low interest rates into three categories.
Use the right card and score major interest savings on a big purchase or balance transfer.
Our pick for
0% intro period and late fee waiver credit cards
HSBC Gold Mastercard® credit card
ANNUAL FEE
$0
REGULAR APR
12.99%, 16.99% or 20.99% variable APR
INTRO APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
RECOMMENDED CREDIT SCORE
690-850
Our pick for
0% intro period and flat-rate cash back credit cards
Capital One® Quicksilver® Cash Rewards Credit Card
ANNUAL FEE
$0
REGULAR APR
14.74% - 24.74% Variable APR
INTRO APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
RECOMMENDED CREDIT SCORE
690-850
Our pick for
Longest 0% intro APR period credit cards
U.S. Bank Visa® Platinum Card
ANNUAL FEE
$0
REGULAR APR
11.99% - 23.99% Variable APR
INTRO APR
0%* on purchases and balance transfers for 20 billing cycles*
RECOMMENDED CREDIT SCORE
720-850
It’s important to look for a credit card with a low interest rate to help you save money over time. Maybe credit card companies fight for your business by offering low interest rates or even no interest rates for several months after signing. This can save you month upfront, but remember that your credit score and history will ultimately determine your APR. If you’re looking for a credit card that allows you to save money now, then consider one of our top picks. You’ll need good credit to apply, but all of the cards we recommend have no annual fees attached to their terms. The better your credit, the more money you’ll save over time. Credit cards with 0% introductory rates are ideal for people who carry balances from month to month. This can help you save money for the future while giving you the chance to contribute to boost your credit by making timely payments.
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Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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