Best Credit Cards for Low Interest Rates in 2025 If you carry a balance on your credit card, choosing a low-interest rate credit card can save you significant money over time. The best credit cards for low interest rates in 2025 offer competitive APRs, low fees, and additional perks. In this guide, we will explore the best options available and help you select the perfect credit card for your financial needs.
Why Choose a Low-Interest Credit Card?
Low-interest credit cards offer several advantages:
- Lower Monthly Payments – Reduce the cost of carrying a balance.
- Affordable Financing – Pay less in interest when making large purchases.
- Debt Management – Consolidate and pay off debt faster.
- Introductory 0% APR Offers – Many cards offer 0% APR for the first 12-18 months.
Top 10 Best Credit Cards for Low Interest Rates in 2025
1. Wells Fargo Reflect® Card
- Intro APR: 0% for 21 months on purchases and balance transfers
- Ongoing APR: 15.99%-27.99% (Variable)
- Annual Fee: $0
- Best For: Longest 0% APR period
2. Citi Simplicity® Card
- Intro APR: 0% for 18 months on purchases and balance transfers
- Ongoing APR: 16.99%-26.99% (Variable)
- Annual Fee: $0
- Best For: No late fees or penalty APR
3. U.S. Bank Visa® Platinum Card
- Intro APR: 0% for 20 months on purchases and balance transfers
- Ongoing APR: 16.24%-26.24% (Variable)
- Annual Fee: $0
- Best For: Long balance transfer period
4. Bank of America® Customized Cash Rewards Credit Card
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers
- Ongoing APR: 16.24%-26.24% (Variable)
- Annual Fee: $0
- Best For: Customizable cashback rewards
5. Chase Freedom Flex℠
- Intro APR: 0% for 15 months on purchases and balance transfers
- Ongoing APR: 17.24%-27.99% (Variable)
- Annual Fee: $0
- Best For: Flexible cashback categories
6. Discover it® Balance Transfer
- Intro APR: 0% for 18 months on balance transfers
- Ongoing APR: 16.99%-27.99% (Variable)
- Annual Fee: $0
- Best For: Balance transfers with rewards
7. Capital One Quicksilver Cash Rewards Credit Card
- Intro APR: 0% for 15 months on purchases and balance transfers
- Ongoing APR: 16.49%-26.49% (Variable)
- Annual Fee: $0
- Best For: Simple cashback with low interest
8. American Express Blue Cash Everyday® Card
- Intro APR: 0% for 15 months on purchases
- Ongoing APR: 17.74%-28.74% (Variable)
- Annual Fee: $0
- Best For: Everyday spending and low interest
9. HSBC Gold Mastercard®
- Intro APR: 0% for 18 months on purchases and balance transfers
- Ongoing APR: 13.24%-23.24% (Variable)
- Annual Fee: $0
- Best For: Low ongoing APR
10. TD Bank Double Up Credit Card
- Intro APR: 0% for 15 months on purchases and balance transfers
- Ongoing APR: 15.24%-25.24% (Variable)
- Annual Fee: $0
- Best For: Cash back with a low APR
How to Choose the Best Low-Interest Credit Card
1. Check the Introductory APR Period
- Look for 0% APR for at least 15-18 months.
2. Compare Ongoing APR Rates
- Choose a card with a low variable APR after the introductory period.
3. Consider Fees and Penalties
- Avoid cards with high late payment fees or penalty APRs.
4. Look for Additional Benefits
- Cashback rewards, travel perks, and purchase protection can add value.
Tips to Save Money with Low-Interest Credit Cards
- Always pay more than the minimum due to reduce interest charges.
- Use 0% APR periods to pay off large purchases without extra costs.
- Avoid cash advances, as they usually have high-interest rates.
- Set up auto-pay to avoid late fees and penalty APR increases.
FAQs
1. What is the best low-interest credit card in 2025?
The Wells Fargo Reflect® Card offers the longest 0% APR period of 21 months, making it a top choice.
2. Are there any low-interest credit cards with rewards?
Yes, the Bank of America Customized Cash Rewards and Chase Freedom Flex℠ offer both low interest and cashback rewards.
3. Do low-interest credit cards have annual fees?
Most of the best low-interest credit cards in 2025 come with no annual fee.
4. How does a 0% APR credit card work?
It allows you to carry a balance without paying interest for a set period, usually between 12-21 months.
5. Can I use a low-interest credit card for a balance transfer?
Yes, many low-interest cards offer 0% APR on balance transfers, helping you consolidate debt.
6. What credit score do I need for a low-interest credit card?
Most require a good to excellent credit score (670+).
7. Are there any hidden fees with low-interest credit cards?
Check for balance transfer fees, foreign transaction fees, and penalty APRs.
8. Do low-interest credit cards have cash advance options?
Yes, but cash advances usually have higher interest rates than purchases.
9. Can I get a low-interest credit card with bad credit?
Options are limited, but some secured credit cards offer lower APRs.
10. How do I apply for a low-interest credit card?
You can apply online on the issuer’s website or in person at a bank.
Conclusion
The best credit cards for low interest rates in 2025 offer a combination of 0% introductory APRs, low ongoing rates, and valuable perks. Whether you need a card for balance transfers, everyday purchases, or long-term savings, there’s an option that fits your needs. Choose wisely and start saving on interest today!
