Best Credit Cards with Low Interest Rates in 2025
Choosing a credit card with a low interest rate can save you money, especially if you carry a balance. Here are some of the best credit cards currently offering low APRs (Annual Percentage Rates):
1. Citi® Diamond Preferred® Card
- 0% intro APR on balance transfers for 21 months
- 0% intro APR on purchases for 12 months
- Regular APR: 17.99% – 28.74% (variable)
2. Wells Fargo Reflect® Card
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
- Regular APR: 18.24% – 29.99% (variable)
- No annual fee
3. BankAmericard® Credit Card
- 0% intro APR for 18 billing cycles on purchases and balance transfers
- Regular APR: 16.24% – 26.24% (variable)
- No annual fee
Why Choose Low Interest Credit Cards?
Low interest credit cards are ideal for people who may occasionally carry a balance or are planning a big purchase they’ll pay off over time. They can significantly reduce the amount of interest paid compared to high-APR cards.
Tips for Getting Approved
- Maintain a good to excellent credit score (typically 670+)
- Keep credit utilization low
- Pay your bills on time
Note: Interest rates and offers are subject to change. Always check the issuer’s website for the most up-to-date information.