Compare Low Interest Credit Cards
Compare low interest and 0% intro APR credit cards to evaluate carrying-cost tradeoffs.
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Capital One Spark Cash Select
Chase Freedom Unlimited®
Bank of America® Unlimited Cash Rewards credit card
Blue Cash Everyday® Card from American Express
Recommended Credit Score
720
850
Excellent
680
850
Good - Excellent
680
850
Good - Excellent
680
850
Good - Excellent
Annual Fee
$0
$0
$0
$0
Foreign Transaction Fee
0%
3% of each transaction in U.S. dollars
3%
2.7% of each transaction after conversion to US dollars.
Great For
- Cash Back
- Rewards
- Travel
- Balance Transfer
- No Annual Fee
- No Foreign Fees
- 0% Intro APR
- Gas
- Dining
- Student
- Business
- Cash Back
- Rewards
- Travel
- Balance Transfer
- No Annual Fee
- No Foreign Fees
- 0% Intro APR
- Gas
- Dining
- Student
- Business
- Cash Back
- Rewards
- Travel
- Balance Transfer
- No Annual Fee
- No Foreign Fees
- 0% Intro APR
- Gas
- Dining
- Student
- Business
- Cash Back
- Rewards
- Travel
- Balance Transfer
- No Annual Fee
- No Foreign Fees
- 0% Intro APR
- Gas
- Dining
- Student
- Business
Rewards Rate
1.5% Cash Back on every purchase
N/A
1.5% cash back on all purchases
N/A
Sign-up Bonus
Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Earn $200 cash back
$250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
As High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Intro Purchase APR
0% for 9 months
0% Intro APR on Purchases 15 months
0% Intro APR for 15 billing cycles for purchases
0% on purchases
Intro Balance Transfer APR
N/A
0% Intro APR on Balance Transfers 15 months
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
0% on balance transfers
Regular APR
16.74% - 26.74% (Variable)
18.24% - 27.74% Variable
17.49% - 27.49% Variable APR on purchases and balance transfers
19.49%-28.49% Variable
Balance Transfer Fee
Balance transfers are not available on Spark Cash Select
Either $5 or 5% of the amount of each transfer, whichever is greater.
3% for 60 days from account opening, then 5%
Either $5 or 3% of the amount of each transfer, whichever is greater.
Card Type
Mastercard
Visa
Visa
American Express
Apply Now
On American Express Consumer Cards's secure website
Terms apply. Approval is not guaranteed.
Rates & fees apply. See each issuer's website for full terms and conditions.
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Card Details
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Capital One Spark Cash Select
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Enjoy a 0% APR for the first 9 months of opening
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- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Chase Freedom Unlimited®
- 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!
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- 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
Bank of America® Unlimited Cash Rewards credit card
- Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
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- No annual fee.
- Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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.
Blue Cash Everyday® Card from American Express
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
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- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Apply Now
On American Express Consumer Cards's secure website
Terms apply. Approval is not guaranteed.