Best Low APR
Save on interest with low rates. Here are our top picks for 2025.
OUR TOP PICK
Wells Fargo
Wells Fargo Reflect® Card
4.5/5
ANNUAL FEE
$0
APR
0% intro for 21 months, then 17.74%–28.49% variable
WELCOME BONUS
None
REWARDS
No traditional rewards program (My Wells Fargo Deals available)
WHY WE LOVE IT
- ✓Industry-leading 21-month 0% intro APR on both purchases and balance transfers
- ✓Extended 120-day window to complete balance transfers and qualify for intro rate
- ✓No annual fee keeps costs low while paying down balances
- ✓Cell phone protection up to $600 per claim with $25 deductible (rare for 0% APR cards)
- ✓My Wells Fargo Deals provides personalized cash back offers
- ✓Roadside Dispatch for 24/7 emergency roadside assistance
- ✓Credit Close-Up for complimentary FICO Score tracking
- ✓Zero Liability Protection against unauthorized transactions
- ✓Potential to save thousands in interest charges
- ✓No penalty APR even if you make a late payment
What to Consider
How do I choose the right low apr card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most low apr cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all low apr cards or explore other categories to find your perfect match.