Best Low Interest Credit Cards 2021

Updated March 03, 2021
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Best pick for...
Wells Fargo Platinum Card
Capital One SavorOne
Citi Diamond Preferred®
Credit One Bank Platinum Visa For Rebuilding Credit
WebBank Petal® 2 “Cash Back, No Fees” Visa®
Synovus Bank First Progress Platinum Elite Mastercard® Secured
Merrick Bank Secured Visa®
Citi CitiBusiness® / AAdvantage® Platinum
American Express Cash Magnet®
American Express Blue Cash Everyday®

Best Credit Cards for Low Interest in March 2021

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Platinum Card Wells Fargo
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • Longest Intro APR on purchases:
    • Longest Intro APR for 18 months from account opening on purchases.
    • Longest Intro APR on balance transfer:
    • Longest Intro APR for 18 months from account opening on qualifying balance transfers.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% introductory APR for 18 months from date of account opening.
  • Regular APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Balance Transfer APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Issuer name:
    Wells Fargo
  • Details:

    Platinum Card Wells Fargo has protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, cell phone protection.

    My Money Map tools help you to manage spending and create a budget with ease.

    Access to your FICO® Credit Score with Wells Fargo Online.

  • Pros:
    • Free Credit Score
    • Annual fee 0%
    • Paying down balances
    • Emergency card replacement
  • Cons:
    • No rewards or a signup bonus
    • Complicated balance transfer fee system
    • 3% foreign transaction fee
  • Benefits:
    • Auto rental collision damage waiver;
    • Roadside dispatch;
    • Travel accident insurance;
    • Travel and emergency assistance services;
    • Cell phone protection.
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SavorOne Capital One
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Unlimited Cash Back on Dining & Entertainment.
    • 2% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash Bonus Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable.
  • Balance Transfer APR:
    15.49% - 25.49% Variable.
  • Issuer name:
    Capital One
  • Details:

    Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening with SavorOne Rewards from Capital One.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No Foreign Transaction Fees
    • $0 Fraud Liability
    • Extended Warranty
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Diamond Preferred® Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer .
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for 18 months from date of account opening.
  • Regular APR:
    14.74% - 24.74% Variable.
  • Balance Transfer APR:
    14.74% - 24.74% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi Diamond Preferred Card comes with 0% introductory APR offer on both purchases and balance transfers, charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

  • Pros:
    • 0% Intro APR for 18 months
    • Flexible payment due date
    • No annual fee
    • Free access to FICO® score
    • Balance transfer
    • Low interest
    • Purchase protection
  • Cons:
    • Balance transfer fee of 3 percent (or $5, whichever is higher)
    • Foreign transaction fee of 3 percent
    • No rewards program
    • Late payment fees
  • Benefits:
    • Digital Wallets;
    • Low APR for cardholders with excellent credit;
    • Citi Entertainment. Special access to purchase tickets to thousands of events,sporting events, dining experiences and more.
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Platinum Visa For Rebuilding Credit Credit One Bank
scorer
Recommended credit score
Poor to Good (300-739)
  • Rewards Rate:
    • 1% Get Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $95 the Annual Fee for the first year. $0 - $99 for some accounts, The Annual Fee from the second year.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Credit One Bank
  • Details:

    Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases.

    Earning cash back rewards has never been easier. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

    MINIMUM CREDIT LINE: $300and Future credit line increases may be granted based on your overall credit performance.

    Get rewarded for responsible credit use!

    Choose a payment due date that works for you!

  • Pros:
    • Visa Zero Fraud Liability
    • Low interest
    • Free online access to your Experian credit score each month
    • Credit One mobile app
    • Purchase protection
  • Cons:
    • Annual fee of $0 to $95 for the first year and $0 to $99 after
    • Foreign transaction fee of either $1 or 3 percent of each purchase in U.S. dollars, whichever is greater
  • Benefits:
    • 1% Cash Back Rewards;
    • Zero Fraud Liability;
    • Free online access to your Experian credit score;
    • Choose Your Payment Due Date.
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Petal® 2 “Cash Back, No Fees” Visa® WebBank
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    12.99% - 26.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    WebBank
  • Details:

    Petal 2 has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500-$10000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

  • Pros:
    • Cash Back
    • No annual fee
    • No returned payment fee
    • Purchase protection
    • You can apply even if you have no credit history
    • No foreign transaction fee
    • No late fees
  • Cons:
    • No signup bonus
    • No intro APR offer
    • Balance transfers are not allowed
    • Those who filed for bankruptcy may be rejected
    • Cash advances are not permitted
    • Permanent minimum payment due date
  • Benefits:
    • No annual fee;
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
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First Progress Platinum Elite Mastercard® Secured Synovus Bank
scorer
Recommended credit score
No Credit History
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $29 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    19.99% Regular APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    Synovus Bank
  • Details:

    The First Progress Platinum Elite Mastercard Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

    As a secured credit card, the First Progress Platinum Elite Mastercard doesn’t come with any welcome offers, sign-up bonuses or reward rates. Instead, its biggest draw is providing access to credit even if your credit history or credit rating isn’t ideal.

    As a Mastercard-branded credit option, this First Progress card is accepted nationwide. This puts it a step above retail-branded credit cards that can help boost your credit rating but only allow you to make purchases in their brick-and-mortar or online stores.

    The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

  • Pros:
    • Easy application process
    • No credit check required
    • Reports to all three credit bureaus
  • Cons:
    • $29 annual fee
    • Foreign Transaction Fee
  • Benefits:
    • No Minimum Credit Score;
    • No Credit History Required;
    • Accepted Nationwide.
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Secured Visa® Merrick Bank
scorer
Recommended credit score
No Credit History
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $36 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.45% Regular APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    Merrick Bank
  • Details:

    The Merrick Bank Secured Visa® credit card is a credit card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

    The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

    The Merrick Bank Secured Visa® credit card reports to all three major credit bureaus.

    It’s also accepted at any merchant that accepts Visa, one of the world’s largest global payments brands.

  • Pros:
    • Up to $3000 credit limit
    • Access to FICO score
    • Low APR
    • You don’t need a bank account to apply
    • Reports to all three credit bureaus
    • Refundable security deposit
    • The Zero Liability policy
  • Cons:
    • No rewards or intro offers with this credit card
    • $200 minimum deposit
    • Extra fees
    • $36 annual fee
  • Benefits:
    • Monthly Reporting to the 3 Major Credit Bureaus;
    • $0 Fraud Liability;
    • Low interest;
    • FICO® Score for Free Each Month.
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CitiBusiness® / AAdvantage® Platinum Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • ​Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.​
    • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.​
    • Earn 1 AAdvantage® mile for every $1 spent on other purchases.​
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $99 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 24.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Citi
  • Details:

    Discover the world with the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®, one of Citi's best business credit cards for travel.

    Earn an American Airlines Companion Certificatefor domestic main cabin travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed. First checked bag freeon domestic itineraries to reduce travel costs and boost your bottom line.

    Expand your earning potential with authorized user cards for your employees and earn AAdvantage® miles for purchases made on each card.

    With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

  • Pros:
    • No foreign transaction fees
    • Rewards Program
    • A companion travel certificate if you spend $30,000 within one year and renew your card 65,000-mile bonus after spending $4,000 within your first 4 months
    • Contactless Pay
  • Cons:
    • No introductory offer on purchases or balance transfers
  • Benefits:
    • Business;
    • First checked bag free;
    • Rewards Program;
    • 25% savings on American Airlines inflight Wi-Fi;
    • Earn an American Airlines Companion Certificate;
    • Personal Business Assistant;
    • Online Account Summaries;
    • Digital Wallets;
    • Autopay.
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Cash Magnet® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on all purchases.
  • Intro Offer:
    • $200 Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No annual fee
    • Automatic cash back on all purchases
    • Straightforward cash back plan with no activation required
  • Cons:
    • Cash back rate is lower in some categories compared to other cards
    • Foreign transaction fees
    • Low Welcome offer
  • Benefits:
    • Unlimited 1.5% Cash Back;
    • 0% intro APR;
    • American Express Experiences;
    • 24/7 Travel Assistant;
    • Car Rental Loss and Damage Insurance;
    • Purchase Protection.
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Blue Cash Everyday® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Groceries, on up to $6,000 per year in purchases.
    • 2% Cash Back on gas.
    • 2% Cash Back at Select Department Stores.
    • 1% Cash Back on Other Purchases.
    • 1% Cash Back at U.S. supermarkets after the first year.
  • Intro Offer:
    • $200 Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • $150 Earn $150 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months.

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • Annual fee 0%
    • Solid cash back at U.S. supermarkets and U.S. gas stations
    • The 2 percent select U.S. department store bonus category is a rare find
    • 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
    • $100 back after you spend $1,000 in purchases on your new card within the first 6 months.
    • Fraud Protection
    • American Express Experiences
  • Cons:
    • The balance transfers are not available to new customers
    • Foreign Transaction Fee
  • Benefits:
    • Accelerate Cash Back;
    • 3% Сash Back at U.S. supermarkets (up to $6,000 per year, then 1%);
    • 2%Cash Back at U.S. gas stations and select U.S. department stores;
    • 1% Cash Back on all other purchases;
    • Earn 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your card within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards.
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