Best Credit Cards with No Annual Fee and Low Interest
WalletHub makes it easy to find the best credit card with low interest and no annual fee.
The best credit cards with no annual fee and low interest rates can save you a significant amount of money on finance charges,... show more... show more
Best Credit Cards with No Annual Fee and Low Interest in 2024
COMPARE LOW INTEREST NO ANNUAL FEE CREDIT CARDS
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- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No foreign fee
- No intro APR
- $0 annual fee
- 1 - 3% cash back
- $500+ credit limit
- APR up to 29.99%
- Rewards may take longer to get
- No grace period
- No annual fee
- Low regular APR
- No foreign transaction fees
- No ongoing rewards
- No membership fees
- Qualify with fair credit
- APR up to 29.99%
- No grace period
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
- No rewards
- No initial rewards bonus
- Requires excellent credit
- No membership fees
- Low regular APR
- No foreign fee
- Qualify with limited or no credit history
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
- No membership fees
- 4.9% intro APR on purchases
- 5.9% intro APR on balance transfers
- No initial rewards bonus
- Foreign fee
- Requires excellent credit
- No membership fees
- Low regular APR
- Qualify with bad credit
- Requires security deposit
- No membership fees
- No initial rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
Best Credit Cards with No Annual Fee and Low Interest
The best credit card with no annual fee and low interest is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 15 months from account opening, a $0 annual fee and good rewards. Cardholders earn 2% cash rewards on all purchases. Applicants generally need at least good credit for approval.
Fortunately, there are plenty of credit cards with low APRs and no annual fees available at the moment. Below, you can find a comparison of the best offers right now.
Best Credit Cards with Low Interest and No Annual Fee Comparison
Credit Card | Annual Fee | Introductory APR | Regular APR |
Wells Fargo Active Cash® Card | $0 | 0% for 15 months from account opening | 20.24% - 29.99% Variable |
Wells Fargo Reflect® Card | $0 | 0% for 21 months from account opening | 18.24% - 29.99% Variable |
U.S. Bank Visa® Platinum Card | $0 | 0% for 18 billing cycles | 18.74% - 29.74% (V) |
BankAmericard® credit card | $0 | 0% for 18 billing cycles | 16.24% - 26.24% Variable |
Chase Freedom Unlimited® | $0 | 0% for 15 months | 20.49% - 29.24% (V) |
BankAmericard® credit card for Students | $0 | 0% for 18 billing cycles | 16.24% - 26.24% Variable |
Unfortunately, there aren’t many credit cards with low regular interest rates these days. You’re far better off getting a card with a 0% introductory APR and then paying off the balance before the regular rate takes effect.
Methodology for Selecting the Best Low Interest No Annual Fee Credit Cards
To identify the best credit cards with low interest rates and no annual fees, WalletHub’s editors regularly compare more than 1,500 credit card offers. We start by excluding cards that charge annual fees as well as cards that lack low introductory APRs and have regular interest rates above the market average.
Then, we compare the remaining cards based on estimated savings over the course of two years. This timeframe allows both initial and ongoing perks to have an impact. Finally, once we’ve calculated expected savings and ranked the cards accordingly, we pick the top cards for the most popular usage scenarios.
Low Interest No Annual Fee Credit Card FAQ
Comparing low interest no annual fee credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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* The information about the following cards has been independently collected by WalletHub: Boeing Employees Credit Union Credit Card, First Command Bank Classic Visa® Card, Dollar Bank Low Rate Credit Card, First Option Visa® Platinum Rewards Credit Card, Amazon Secured Credit Card, Beneficial State Bank’s Climate Card, Fifth Third Bank Preferred Cash/Back Card, Petal® 2 Visa® Credit Card, PNC Cash Unlimited℠ Visa Signature® Credit Card, Regions Prestige Visa® Signature Credit Card, Bank of America® Travel Rewards credit card, U.S. Bank Visa® Platinum Card, First Hawaiian Bank Heritage Credit Card, Saratoga's Community FCU VISA® Platinum Credit Card, Simmons Bank Visa®, Simmons Bank Rewards Visa Signature, M&T Visa Credit Card, American Heritage Federal Credit Union Platinum Preferred Mastercard, BankAmericard® credit card, JCPenney Credit Card, Fifth Third 1% Cash/Back Card, Chase Slate Edge℠, Citi Simplicity® Card, CoreFirst Bank & Trust Visa Platinum Card, and BankAmericard® credit card for Students.
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