Best Low Interest Credit Cards of May 2026

BCC Editor's Pick 2026

Rates & Fees

Chase Freedom Unlimited®

5.0 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Rewards Rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Pros

Lengthy 0% intro APR on purchases and balance transfers
Ability to easily combine points with your other Chase Travel℠ credit cards

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
At 18.24% - 27.74% Variable, the ongoing APR is relatively high

BCC Editor's Pick 2026

Rates & Fees

Capital One VentureOne Rewards Credit Card

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening

Rewards Rate

1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
$0 annual fee and no foreign transaction fees
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Pros

Top tier travel perks like the ability to transfer miles to travel partners, while you pay no annual fee
Earning is easy with unlimited 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel – no caps and no restrictions
Traveling overseas is a breeze thanks to no foreign transaction fees

Cons

Balance transfer fee applies
Some cards offer higher rewards rates and bigger welcome offers, although they often have an annual fee

Rates & Fees

Citi® Diamond Preferred® Card

5.0 BCC Score

Apply Now

on Citibank's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% for 12 months on Purchases and 0% for 21 months on Balance Transfers, then 16.49% - 27.24% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard

0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Get free access to your FICO® Score online.

Pros

Save on interest with an intro APR of 0% for 21 months on Balance Transfers
Pay no annual fee and enjoy free access to your FICO® Score online
Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.

Cons

No rewards program or cash back on purchases
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

BankAmericard® credit card

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% Intro APR for 21 billing cycles for purchases and 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, then 14.99% - 25.99% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Save on interest with this card's lengthy 0% intro APR periods.
Cardholders don't have to pay an annual fee.
There is no penalty APR – paying late won't automatically raise your interest rate.

Cons

This card does not offer a rewards program on purchases.
There is a balance transfer fee of 5% of the amount of each transaction.

Bank of America® Travel Rewards credit card

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Visa®

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Among no annual fee travel cards, this one has one of the largest welcome offers
Earn a generous rewards rate of unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center
No foreign transaction fees and flexible redemption options

Cons

You will need Excellent, Good credit to qualify for this card

Rates & Fees

Wells Fargo Reflect® Card

4.0 BCC Score

Apply Now

on Wells Fargo's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Pros

Extra-long intro APR on purchases and qualifying balance transfers
Enjoy up to $600 of cell phone protection
Pay no annual fee

Cons

Balance transfer fee of 5%, min: $5
There is a foreign transaction fee of 3%

Bank of America® Customized Cash Rewards credit card

5.0 BCC Score

Apply Now

on Bank of America's secure site

Welcome Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Rewards Rate

6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Powerful cash back program that allows you to choose your bonus category
Generous sign up bonus to kickstart your cash back earning
No annual fee and a lengthy intro APR on purchases and balance transfers

Cons

There is a 3% foreign transaction fee
There is a balance transfer fee of 3% for 60 days from account opening, then 5%

Rates & Fees

Discover it® Cash Back

4.5 BCC Score

Apply Now

on Discover's secure site

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year

Rewards Rate

5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro APR

0% Intro APR for 15 months, then 17.49% - 26.49% Variable APR

Annual Fee

$0

Credit Score Needed

Good, Excellent

Card Brand

Discover

INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.

Pros

One of the most rewarding Cash Back programs available
0% Intro APR for 15 months on purchases and balance transfers, 17.49% - 26.49% Variable APR after that
No annual fee, no foreign transaction fees, and award-winning customer service

Cons

There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
A quarterly cap on the 5% cash back applies

Rates & Fees

Citi Strata℠ Card

4.5 BCC Score

Apply Now

on Citibank's secure site

Welcome Offer

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Rewards Rate

Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

Intro APR

0% for 15 months on Purchases and 0% for 15 months on Balance Transfers, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee

Pros

Enjoy a generous rewards structure and welcome offer.
Get a lengthy intro APR on both purchases and balance transfers.
Pay no annual fee.

Cons

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
There is a 3% foreign transaction fee.

Rates & Fees

Chase Freedom Flex®

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Rewards Rate

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Mastercard

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Pros

Earn up to 5% cash back on select purchases
The spend threshold to earn the welcome offer is significantly lower than most credit cards
Escape high interest rates with a lengthy intro APR on purchases and balance transfers

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
There is a cap on the 5% cash back in rotating quarterly categories