Top 7 Low and 0% Interest Credit Card Options
Discover the top 7 low and 0% interest credit cards designed to help you save on debt repayment. This guide highlights cards like Discover It, Wells Fargo Platinum, Chase Slate, and more, offering promotional 0% APR periods, cashback rewards, and no fees. Whether you're consolidating debt or aiming to minimize interest costs, these options provide flexible features, competitive rates, and valuable perks. Explore the best options to suit your financial goals and enhance your credit management strategy effectively.
Top 7 Low and 0% Interest Credit Cards
If you're aiming to reduce costs while paying off credit card debt, selecting a zero-interest credit card is a smart move. Finding the best options in today's competitive market can be challenging, but with some guidance, you can identify a card that matches your needs. It's recommended to directly consult with credit card providers offering zero-interest deals for clarity and confidence. Here are some of the leading zero-interest credit cards available:
Discover It
This card allows you to double your first $200 in cashback with the Cashback Match promotion.
This card provides an introductory 0% APR for 18 months. Afterward, the variable rate ranges from 16.15% to 25.99%. Cardholders can also benefit from mobile protection on damages and theft with a $25 deductible, covering up to $600 in expenses.
Enjoy 0% APR for 15 billing cycles on purchases and balance transfers within the first 60 days. Post-introductory period, the APR varies from 12.99% to 22.99%. Benefits include a 0% balance transfer fee for 60 days, no annual fee, and no penalty APRs.
Chase Slate offers 0% introductory APR on both purchases and balance transfers for a limited period. It is well-regarded for its balance transfer services, with no penalty APR and a fee of either $5 or 5% of the transfer amount post-intro period. Additionally, you get free monthly FICO scores.
This card features a low ongoing APR with no fees—no late, balance transfer, cash advance, or annual fees. New cardholders can benefit from a 12-month 4.99% balance transfer rate and a $100 statement credit after spending $1,500 within 90 days. The variable APR ranges from 9.24% to 17.99%.
This card offers a lower purchase and transfer APR than standard Discover It cards. It features an almost 30% penalty APR, but with no minimum fees or introductory rates. It provides 14 months of 0% balance transfer APR, plus cashback rewards on gas and other categories, with earnings doubled in the first year.
Get a $150 bonus after spending $500 in the first three months. It offers 5% cashback on rotating categories like dining and gas up to $1,500 each quarter and 1% on all other purchases. No annual fee applies, and the initial 15 months have a 0% APR for purchases and transfers. Afterward, rates range from 15.99% to 24.74%, with a 5% transfer fee.
