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.

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.

Our pick for

0% intro period and late fee waiver credit cards

Our top pick for the best credit card with a 0% intro period and late fee waiver is the HSBC Gold MasterCard. It features a $0 annual fee and a regular APR of 12.99%, 16.99%, or 20.99% variable APR. There is a 0% introductory APR on purchases and balance transfers for the first 18 months. This credit card allows you to manage your finances without overspending or getting in over your head. You’ll save money up front so that you can better manage your finances in the future. The recommended credit score to apply for this card is at least 690.

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

Our pick for the best credit card with a 0% intro period and flat-rate cash back is the Capital One Cash Rewards card. There is a $0 annual fee and the regular variable APR ranges from 14.74% to 24.74%. New account holders can enjoy an intro APR of 0% on transfers and purchases within the first 18 months. Plus, you’ll get 5% cash back at places you already shop at, such as grocery stores, gas stations, restaurants and online relators including Amazon. You’ll also earn 1% cash back on all other purchases.

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

Lastly, our pick for the credit card with the longest 0% intro APR is the U.S. Bank Visa Platinum card. It’s one of the best credit cards for low interest because it features a regular variable APR of 11.99% to 23.99% with a $0 annual fee. It also has a 0% APR on purchases and balance transfers for as many as 20 billing cycles. The kicker is that you need to have excellent credit to qualify for this card. Credit scores less than 720 may not be approved. With the U.S. Bank Visa Platinum card, you’ll enjoy a 0% introductory APR for the first 20 billing cycles and then a variable APR that starts at 11.99%. Your variable APR will be based on your credit score and credit history. This is why it’s important to have an excellent credit score when you apply for any card. In addition to no annual fees, you’ll enjoy cell phone protection with your Visa Platinum card. This allows you coverage when you pay your monthly cell bill with your card.

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

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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