Best Credit CardsBest Rates
Selected from 1,500+ credit cards for September 2024
Updated Aug 29, 2024Fact checked
By:John Kiernan, Credit Card Editor
|Aug 29, 2024
Reviewed by:Alina Comoreanu, Senior Researcher
Fact checked
The best credit card rates are 0% APRs that last for 15 months or longer. Credit cards offering 0% rates on new purchases can be interest-free for about 11 months on average, and balance transfer cards average around 13 months with 0% rates. The best regular interest rates on credit cards are below 14%. Cards with regular rates that low, or long 0% APR periods, usually require at least good credit for approval.... show more
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information forsome of the cards on this page.
Overall
Best Credit Card Intro Rate for Purchases
Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Apply Now
0% Intro APR for 21 months from account opening
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Reflect card has the best credit card rates right now, offering introductory APRs of 0% for 21 months from account opening on new purchases and 0% for 21 months from account opening on qualifying balance transfers. That’s much longer than average for both types of transactions. The card also has a $0 annual fee.
What We Don’t Like: There’s a balance transfer fee of 5% (min $5), and the regular APR is 18.24% - 29.99% Variable, depending on your overall creditworthiness. That rate applies if you carry a balance from month to month after the interest-free introductory period ends. The Wells Fargo Reflect card does not reward cardholders for making purchases, either. That shouldn’t be a deal breaker, though. You could always get Wells Fargo Reflect to save on interest and use a rewards card for everyday purchases.
Who Should Get It: Consider applying for Wells Fargo Reflect if you have good credit or better and want to save on interest charges.
Pros, Cons & More Details
Pros, Cons & Details
Best Credit Card Intro Rate for Transfers
Citi Simplicity® Card
Citi Simplicity® Card
4.7WalletHub Rating
WalletHub Rating
4.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Lower Cost of Existing Debt"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.7
User Reviews
3.7
Market Comparison
5.0
fees: 5.0
cost: 5.0
APR: 5.0
Learn More
0% Intro APR for 21 months
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 21 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 21 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Citi Simplicity® Card is one of 2024’s top 0% APR credit card offers, thanks to introductory rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The average balance transfer card offers a 0% APR for just 13 months. Plus, the Citi Simplicity Card has a $0 annual fee.
What We Don’t Like: This card has a regular APR of 19.24% - 29.99% (V), depending on your overall creditworthiness when you apply. There’s also a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that.
Who Should Get It: Consider applying for the Citi Simplicity Card if you have good credit or better and you want to reduce the cost of existing debt.
Pros, Cons & More Details
Pros, Cons & Details
Best 0% Intro Rates for Purchases
Best Credit Card for a Long 0% Rate
Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Apply Now
0% Intro APR for 21 months from account opening
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Reflect card has the best credit card rates right now, offering introductory APRs of 0% for 21 months from account opening on new purchases and 0% for 21 months from account opening on qualifying balance transfers. That’s much longer than average for both types of transactions. The card also has a $0 annual fee.
What We Don’t Like: There’s a balance transfer fee of 5% (min $5), and the regular APR is 18.24% - 29.99% Variable, depending on your overall creditworthiness. That rate applies if you carry a balance from month to month after the interest-free introductory period ends. The Wells Fargo Reflect card does not reward cardholders for making purchases, either. That shouldn’t be a deal breaker, though. You could always get Wells Fargo Reflect to save on interest and use a rewards card for everyday purchases.
Who Should Get It: Consider applying for Wells Fargo Reflect if you have good credit or better and want to save on interest charges.
Pros, Cons & More Details
Pros, Cons & Details
0% Intro Rate & Cash Back Rewards
Chase Freedom Unlimited®
Chase Freedom Unlimited®
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
3.7
fees: 4.0
rewards: 3.3
cost: 3.6
APR: 3.8
Apply Now
0% Intro APR for 15 months
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Freedom Unlimited® Card is atop the podium for the best 0% APR credit cards with rewards. For starters, it offers intro APRs of 0% for 15 months on new purchases and 0% for 15 months on balance transfers.
Chase Freedom Unlimited also has a $0 annual fee and great cash rewards rates. Cardholders earn 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).
What We Don’t Like: The least competitive aspects of this offer are the card’s balance transfer fee – Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) – and its regular APR: 20.49% - 29.24% (V).
Who Should Get It: Consider applying for Chase Freedom Unlimited if you have a credit score of 700 or higher and you want to minimize the cost of debt while earning rewards on purchases.
Pros, Cons & More Details
Pros, Cons & Details
Best Credit Card Intro Rate for Excellent Credit
BankAmericard® credit card
BankAmericard® credit card
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.0
User Reviews
3.7
Market Comparison
4.0
fees: 4.0
rewards: 0.0
cost: 3.7
APR: 5.0
Learn More
0% Intro APR for 18 billing cycles
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles for any balance transfers made in the first 60 days
Transfer Fee: 3%
Regular APR
16.24% - 26.24% Variable
Annual Fee
$0
Accepted Credit
Excellent
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles for any balance transfers made in the first 60 days
Transfer Fee: 3%
Regular APR
16.24% - 26.24% Variable
Annual Fee
$0
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It:The BankAmericard® credit cardoffers an introductory APR of 0% for 18 billing cycles on new purchases, plus 0% for 18 billing cycles for any balance transfers made in the first 60 days. The BankAmericard credit card also comes with a $0 annual fee.
What We Don’t Like: This card charges a balance transfer fee of 3%, and it doesn’t reward you for making purchases.
Who Should Get It: Consider applying for the BankAmericard credit card if you have a 750+ credit score and want a low introductory APR that lasts for a very long time.
Pros, Cons & More Details
Pros, Cons & Details
Long 0% Intro Rate
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.7
Market Comparison
4.0
fees: 4.0
rewards: 0.0
cost: 3.7
APR: 4.8
Learn More
0% Intro APR for 18 billing cycles
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*
Regular APR
18.74% - 29.74% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*
Regular APR
18.74% - 29.74% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The U.S. Bank Visa® Platinum Card offers some of the best credit card rates available right now, giving introductory APRs of 0% for 18 billing cycles on purchases and balance transfers to applicants with good or excellent credit. The U.S. Bank Visa® Platinum Card also has a $0 annual fee.
What We Don’t Like: The U.S. Bank Platinum Card’s regular APR range is above-average for people with good-to-excellent credit. You don’t want to overlook the card’s balance transfer fee of 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*, either, for similar reasons. It’s also wise to combine the U.S. Bank Platinum credit card with a rewards card to use for everyday spending that won’t lead to a balance at the end of the month, given the Platinum card’s lack of rewards.
Who Should Get It: Consider applying for U.S. Bank Platinum if you have a credit score of 700+ and could use 18 billing cycles without interest charges.
Pros, Cons & More Details
Pros, Cons & Details
Best Regular Credit Card Rate
3.2WalletHub Rating
WalletHub Rating
3.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
User Reviews
4.9
Market Comparison
3.1
fees: 4.3
rewards: 3.3
cost: 2.7
APR: 3.2
Learn More
1.9% for 6 months
Purchase intro APR
1.9% for 6 months
Transfer intro APR
1.9% for 6 months
Transfer Fee: 3% (max $50)
Regular APR
11.75% (V)
Annual Fee
$0
Rewards Rate
1 point / $1
Accepted Credit
Excellent
Purchase intro APR
1.9% for 6 months
Transfer intro APR
1.9% for 6 months
Transfer Fee: 3% (max $50)
Regular APR
11.75% (V)
Annual Fee
$0
Rewards Rate
1 point / $1
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The offers introductory rates of 1.9% for 6 months on purchases and 1.9% for 6 months on balance transfers. And that’s not even the best part. The CoreFirst Bank & Trust Visa Platinum Card’s regular APR is just 11.75% (V). For comparison purposes, the average credit card offer has a regular APR of 23.1%, and the average among cards for people with excellent credit is 18.2%. The CoreFirst Platinum Card has a $0 annual fee.
What We Don’t Like: There is a 3% (max $50) balance transfer fee and only modest rewards.
Who Should Get It: Consider applying for the CoreFirst Bank & Trust Visa Platinum Card if you have excellent credit and you want low rates for longer than a 0% credit card can accommodate.
Pros, Cons & More Details
Pros, Cons & Details
Best 0% Intro Rates for Balance Transfers
Best Credit Card for a Long 0% Rate
Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Apply Now
0% Intro APR for 21 months from account opening
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Reflect card has the best credit card rates right now, offering introductory APRs of 0% for 21 months from account opening on new purchases and 0% for 21 months from account opening on qualifying balance transfers. That’s much longer than average for both types of transactions. The card also has a $0 annual fee.
What We Don’t Like: There’s a balance transfer fee of 5% (min $5), and the regular APR is 18.24% - 29.99% Variable, depending on your overall creditworthiness. That rate applies if you carry a balance from month to month after the interest-free introductory period ends. The Wells Fargo Reflect card does not reward cardholders for making purchases, either. That shouldn’t be a deal breaker, though. You could always get Wells Fargo Reflect to save on interest and use a rewards card for everyday purchases.
Who Should Get It: Consider applying for Wells Fargo Reflect if you have good credit or better and want to save on interest charges.
Pros, Cons & More Details
Pros, Cons & Details
Best Credit Card Intro Rate for Good Credit (Transfers)
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Lower Cost of Existing Debt"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.6
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
cost: 3.3
APR: 5.0
Apply Now
0% Intro APR for 21 months on Balance Transfers
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 21 months
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 28.99% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 21 months
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 28.99% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The Citi® Diamond Preferred® Card is one of 2024’s top 0% APR credit card offers, thanks to introductory rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The average balance transfer card offers a 0% APR for just 13 months. Plus, Citi Diamond Preferred has a $0 annual fee.
What We Don’t Like: This card has a regular APR of 18.24% - 28.99% (V), depending on your overall creditworthiness when you apply. There’s also a balance transfer fee of 5% (min $5).
Who Should Get It: Consider applying for Citi Diamond Preferred if you have good credit or better and it will reduce the cost of a balance you’re carrying on another card.
Pros, Cons & More Details
Pros, Cons & Details
0% Intro Rate & Cash Back Rewards
Chase Freedom Unlimited®
Chase Freedom Unlimited®
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
3.7
fees: 4.0
rewards: 3.3
cost: 3.6
APR: 3.8
Apply Now
0% Intro APR for 15 months
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Freedom Unlimited® Card is atop the podium for the best 0% APR credit cards with rewards. For starters, it offers intro APRs of 0% for 15 months on new purchases and 0% for 15 months on balance transfers.
Chase Freedom Unlimited also has a $0 annual fee and great cash rewards rates. Cardholders earn 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).
What We Don’t Like: The least competitive aspects of this offer are the card’s balance transfer fee – Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) – and its regular APR: 20.49% - 29.24% (V).
Who Should Get It: Consider applying for Chase Freedom Unlimited if you have a credit score of 700 or higher and you want to minimize the cost of debt while earning rewards on purchases.
Pros, Cons & More Details
Pros, Cons & Details
Long 0% Intro Rate
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.7
Market Comparison
4.0
fees: 4.0
rewards: 0.0
cost: 3.7
APR: 4.8
Learn More
0% Intro APR for 18 billing cycles
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*
Regular APR
18.74% - 29.74% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*
Regular APR
18.74% - 29.74% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The U.S. Bank Visa® Platinum Card offers some of the best credit card rates available right now, giving introductory APRs of 0% for 18 billing cycles on purchases and balance transfers to applicants with good or excellent credit. The U.S. Bank Visa® Platinum Card also has a $0 annual fee.
What We Don’t Like: The U.S. Bank Platinum Card’s regular APR range is above-average for people with good-to-excellent credit. You don’t want to overlook the card’s balance transfer fee of 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*, either, for similar reasons. It’s also wise to combine the U.S. Bank Platinum credit card with a rewards card to use for everyday spending that won’t lead to a balance at the end of the month, given the Platinum card’s lack of rewards.
Who Should Get It: Consider applying for U.S. Bank Platinum if you have a credit score of 700+ and could use 18 billing cycles without interest charges.
Pros, Cons & More Details
Pros, Cons & Details
Fair Credit
Best Balance Transfer & Cash Back Rates
Citi Double Cash® Card
Citi Double Cash® Card
4.9WalletHub Rating
WalletHub Rating
4.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Apply Now
0% Intro APR for 18 months on balance transfers
Transfer intro APR
0% for 18 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$200
Accepted Credit
Excellent, Good, Fair
Transfer intro APR
0% for 18 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$200
Accepted Credit
Excellent, Good, Fair
Editors’ Thoughts
Why We Like It: The Citi Double Cash Card offers some of the best credit card rates for balance transfers right now, especially if you also want to earn cash back rewards on purchases. Citi Double Cash offers an introductory rate of 0% for 18 months on balance transfers, and cardholders earn 2% cash back on purchases. There is a $0 annual fee, too.
What We Don’t Like: Balance transfers come with a fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. The card’s regular APR is pretty high, too.
Who Should Get It: Consider applying for the Citi Double Cash Card if you have fair credit or better, want to reduce the cost of existing debt, and like the idea of earning above-average rewards without much hassle.
Pros, Cons & More Details
Pros, Cons & Details
Best Credit Card Rates for NO CREDIT
There are no 0% interest credit cards available for people with no credit. The card below has the lowest APR among credit cards for people with no credit right now.
BEST CREDIT CARD RATES FOR BEGINNERS
First Hawaiian Bank Heritage Credit Card
First Hawaiian Bank Heritage Credit Card
3.4WalletHub Rating
WalletHub Rating
3.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
User Reviews
2.9
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 5.0
Learn More
2.99% for 8 months
Purchase intro APR
2.99% for 8 months
Transfer intro APR
2.99% for 8 months
Transfer Fee: 5% (min $5)
Regular APR
18% (V)
Annual Fee
$0
Accepted Credit
Fair, Limited History
Purchase intro APR
2.99% for 8 months
Transfer intro APR
2.99% for 8 months
Transfer Fee: 5% (min $5)
Regular APR
18% (V)
Annual Fee
$0
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why We Like It: The First Hawaiian Bank Heritage Credit Card offers an introductory APR of 2.99% for 8 months on purchases and balance transfers. Its 18% (V) regular APR also is lower than the average among credit card offers right now.
In addition, the First Hawaiian Bank Heritage Credit Card has a $0 annual fee and reports to the major credit bureaus each month. It also accepts applicants with limited or no credit history.
What We Don’t Like: The First Hawaiian Bank Heritage Credit Card has a balance transfer fee of 5% (min $5), and its regular APR could be lower.
Who Should Get It: Consider applying for the First Hawaiian Bank Heritage Credit Card if you’re new to credit and wish to save on interest costs. Paying this card’s bill on time every month can also help you build the credit history needed to one day qualify for a card with a lower interest rate.
Pros, Cons & More Details
Pros, Cons & Details
Best Credit Card Rates for Bad Credit
There are no 0% interest credit cards available for people with bad credit. The cards below have the lowest APR among credit cards for people with bad credit right now.
Best Unsecured Card Rates for Bad Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
2.6WalletHub Rating
WalletHub Rating
2.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.6
Market Comparison
2.4
fees: 2.7
rewards: 5.0
cost: 1.8
APR: 0.6
Other Features: 4.7
Apply Now
One-Time Fees
$0
Regular APR
29.74% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
$0
Rewards Rate
0 - 1% Cash Back
Accepted Credit
Bad
One-Time Fees
$0
Regular APR
29.74% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
$0
Rewards Rate
0 - 1% Cash Back
Accepted Credit
Bad
Editors’ Thoughts
Why We Like It: The Credit One Bank® Platinum Visa® for Rebuilding Credit is the best unsecured credit card for people with bad credit who need what amounts to a small emergency loan. Cardholders receive a $300+ initial credit limit.
What We Don’t Like: The card has an annual fee of $75 the first year and $99 after. Plus, this card does not have a low APR.
Who Should Get It: This offer could help some people who are in a bind financially. But if it’s not an emergency, you’re better off placing a refundable deposit on a secured credit card.
Pros, Cons & More Details
Pros, Cons & Details
Best Secured Credit Card Rates for Bad Credit
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
3.3WalletHub Rating
WalletHub Rating
3.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.1
Market Comparison
3.4
fees: 3.0
rewards: 0.0
cost: 2.5
APR: 5.0
Other Features: 4.3
Apply Now
One-Time Fees
$0
Regular APR
9.99%
Annual Fee
$48
Monthly Fee
$0
Accepted Credit
Bad
One-Time Fees
$0
Regular APR
9.99%
Annual Fee
$48
Monthly Fee
$0
Accepted Credit
Bad
Editors’ Thoughts
Why We Like It: The Applied Bank® Secured Visa® Gold Preferred® Credit Card comes with a regular APR of 9.99%, which is the lowest APR available to people with bad credit right now.
What We Don’t Like: The minimum security deposit for this card is $200. The card has a $48 annual fee.
Who Should Get It: Consider applying for the Applied Bank® Secured Visa® Gold Preferred® Credit Card if you wish to rebuild your damaged credit.
Pros, Cons & More Details
Pros, Cons & Details
Students
Best Low Intro APR Credit Card for Students
Discover it® Student Chrome
Discover it® Student Chrome
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Build Credit by Paying in Full Each Month (Students)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.3
User Reviews
4.1
Market Comparison
4.6
fees: 5.0
rewards: 3.8
cost: 4.9
Other Features: 5.0
Apply Now
0% Intro APR for 6 months on purchases
18.24% - 27.24% Variable after that
Purchase intro APR
0% for 6 months
Transfer intro APR
10.99% for 6 months
Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Fair, Limited History
Purchase intro APR
0% for 6 months
Transfer intro APR
10.99% for 6 months
Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why We Like It: Discover it® Student Chrome offers an introductory APR of 0% for 6 months on new purchases. Discover it Student Chrome also comes with a $0 annual fee.
What We Don’t Like: This card’s low rates don’t last, as it has a high regular APR – 18.24% - 27.24% Variable.
Who Should Get It: Students looking to avoid interest charges for a limited time should consider applying for Discover it Student Chrome.
Pros, Cons & More Details
Pros, Cons & Details
Best Credit Card Rates for Business
Best Credit Card Intro Rate for Business
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.5
User Reviews
3.2
Market Comparison
4.5
fees: 4.0
rewards: 0.0
cost: 4.7
APR: 4.9
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0% Intro APR for 18 billing cycles
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% (min $5)
Regular APR
17.24% - 26.24% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% (min $5)
Regular APR
17.24% - 26.24% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The U.S. Bank Business Platinum Cardoffers an introductory APR of 0% for 18 billing cycles on new purchases and balance transfers. It also comes with a $0 annual fee.
What We Don’t Like: This card charges a balance transfer fee of 3% (min $5), and it doesn’t reward you for making purchases. Plus, its regular APR isn’t the lowest.
Who Should Get It: Consider applying for the U.S. Bank Business Platinum Card if you’re a small business owner with a 700+ credit score who wants a low introductory APR that lasts for a very long time.
Pros, Cons & More Details
Pros, Cons & Details
WalletHub's Research
221
Research Hours
319
Companies Reviewed
996
Cards Reviewed
- Best credit card rates compared
- Average credit card interest rates this week
- Methodology
- Sources
- About the author
- User questions & answers
Best Credit Card Rates Compared
| Card | Category | Best Intro Rate |
|---|---|---|
| Wells Fargo Reflect® Card | Good Credit | 0% for 21 months from account opening |
| BankAmericard® credit card | Excellent Credit | 0% for 18 billing cycles |
| Citi Double Cash® Card | Fair Credit | 0% for 18 months |
| Chase Freedom Unlimited® | Long Intro APR & Rewards | 0% for 15 months |
| U.S. Bank Business Platinum Card | Business | 0% for 18 billing cycles |
Average Credit Card Interest Rates This Week
| Category | Average APR | 6 Months Ago |
|---|---|---|
| Excellent Credit | 18.33% | 18.09% |
| Good Credit | 24.49% | 24.14% |
| Fair Credit | 26.76% | 26.55% |
| Secured Cards | 22.96% | 22.94% |
| Student Cards | 20.10% | 19.69% |
| Business Cards | 22.34% | 22.13% |
| Store Cards | 32.86% | 29.93% |
| National Average | 23.18% | 22.93% |
One of the lowest ongoing credit card rates available to the general public is 11.75% (V), from the . But you might be able to get a lower rate if you belong to a particular group. For example, the Educators Credit Union Visa® Platinum Credit Card has a regular APR as low as 10.9% (V).
Some cards also advertise a range of possible APRs, with the exact rate you get depending on your overall creditworthiness. If you’re not sure where your credit stands, you cancheck your latest credit score for free on WalletHub.
Best Credit Card Rates Methodology
In order to identify the credit cards with the lowest interest rates, WalletHub’s editors regularly compare 1,500+ credit card offers based on the introductory rates they provide, if any, along with their regular APRs, relevant fees, and approval requirements. We then select the best credit card APR offers for each credit category by comparing the two-year cost of each card.
This page focuses on the best credit card rates for new purchases, but standout balance transfer credit cards are also included. If you are interested in low balance transfer rates and fees, check out the full list of thebest balance transfer credit cardsavailable right now.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit cards rates for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the Author
John S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Twitter Email Full Bio
Best Credit Card Rates FAQ
Finding the best credit card 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.
Most Popular
72
Upvotes
Are there any low fixed interest credit cards?
Reply
72
10
John S Kiernan, Managing Editor
@John
Yes, there is a low fixed interest credit card. The Applied Bank Secured Gold Card has a fixed APR of 9.99%. However, this is a secured credit card. So, you need to put down a minimum deposit of $200 upon approval. Some local banks and credit unions may also offer low fixed interest credit cards. But it is worth noting that fixed interest rates are very rare.
What You Should Know About Fixed Interest Rate Credit Cards
- Fixed interest rate credit cards are almost extinct. And there's a fairly simple reason for that. Credit card companies lost the ability to change interest rates whenever they want when the CARD Act took effect.
- Issuers can only raise rates on existing consumer-card balances when the accountholder becomes 60+ days delinquent. The law does not cover small business credit cards.
- Credit card companies now use variable interest rates, which change based on a benchmark such as the Prime Rate. This way the issuer can make sure their offers keep pace with the broader economic climate. Of course, introductory interest rates are an obvious exception to this rule, since they have a set expiration date.
Although there aren't many low fixed interest credit cards, you can still find a lot of low interest credit card options that might suit your needs.
2
13
Upvotes
What are the longest 0% APR credit cards?
Reply
13
Joyce Brown, WalletHub Credit Card Analyst
@j.brown
The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for 21 months from account opening and 0% for 21 months from account opening on qualifying balance transfers - subject to a fee of 5% (min $5). The Wells Fargo Reflect Card's regular APR is 18.24% - 29.99% Variable, and it has a $0 annual fee.
Longest 0% APR Credit Card Offers
- Wells Fargo Reflect® Card: 0% for 21 months from account opening
- Slate Edge® credit card: 0% for 18 months
- U.S. Bank Visa® Platinum Card: 0% for 18 billing cycles
- BankAmericard® credit card: 0% for 18 billing cycles
- Fifth Third 1% Cash/Back Card: 0% for 15 months
- Citi Simplicity® Card: 0% for 21 months
- Citi® Diamond Preferred® Card: 0% for 21 months
Longest 0% APR Credit...
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7
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121
Upvotes
What is a good interest rate on a credit card?
Reply
121
5
Christie Matherne, Credit Card Writer
@christie_matherne
A good interest rate on a credit card is 14% and below, as that's better than the average regular interest rate on credit cards for people with excellent credit. It is best to avoid paying any interest charges, however, which is why credit cards with 0% introductory APRs are so popular.
How to Get a Good Interest Rate on a Credit Card
There are three ways to get the best possible credit card interest rate.
- For...
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9
32
Upvotes
What is the average interest rate for a credit card?
32
Adam McCann, Financial Writer
@adam_mcan
Average Credit Card Interest Rates:
The average credit card interest rate is 23.18% for new offers and 21.51% for existing accounts, according to WalletHub's Credit Card Landscape Report. The average interest rate among new credit card offers has increased by nearly two percentage points since 2010.
2024's Best Credit Card Rates
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40
Upvotes
What is the best 18 months interest-free credit card?
Reply
40
7
Maria Adams, Credit Cards Moderator
@m_adams
One of the best 18+ month interest-free credit cards is the BankAmericard® credit card because it offers an intro APR of 0% for 18 billing cycles on both new purchases and balance transfers made in the first 60 days. The card's regular APR is 16.24% - 26.24% Variable. There's a balance transfer fee of 3%, and the card's annual fee is $0.
4 Best Credit Cards That Are Interest-Free for 18+ Months
Best for Excellent Credit:BankAmericard® credit card
BankAmericard® credit card
Learn MoreLearn More
- Best for Excellent Credit:
BankAmericard® credit card
Intro Purchase APR: 0% for 18 billing cycles
Intro Transfer APR: ...
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9
52
Upvotes
What's the Chase credit card interest rate?
Reply
52
3
Tom Lipkis, WalletHub Credit Card Consultant
@cindercard
Chase credit card interest rates can be as low as 0% for as long as 15 months. The best Chase credit cards with 0% interest rates are Chase Freedom Flex® Credit Card and Chase Freedom Unlimited®, offering 0% for 15 months on purchases and balance transfers. They also come with $0 annual fees.
Regular, ongoing Chase credit card interest rates can be as low as 18.49% (V) or as high as 29.24% (V), depending on the card and the applicant's credit standing.
Chase Credit Cards...
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7
13
Upvotes
What's the best cash advance credit card?
Reply
13
WalletHub
@WalletHub
The best cash advance credit card is the Star One Visa Signature Rewards Card because it has a $0 cash advance fee and a low cash advance APR (8.75%). Such low cash advance costs are very uncommon, as other cards typically charge cash advance fees of 3% to 5% with an interest rate well over 20%.
Best Cash Advance Credit Cards in 2024
Card | Cash Advance Fee | Cash... | Annual Fee |
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3
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11
Upvotes
What is the Mastercard interest rate?
Reply
11
3
Alex Johnson, WalletHub Credit Card Consultant
@alex.johnson2
TheMastercardinterest rate could be anywhere between 13% to 36% in most cases, depending on the card and each applicant's creditworthiness. Just keep in mind that the interest rate isn't actually set by Mastercard. The issuers are in control of setting the rates. As a card network, Mastercard is more about where the card is accepted than anything else.
What you should know about Mastercard interest rates:
- Your credit score plays...
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4
80
Upvotes
Can you negotiate a lower credit card interest rate?
Reply
80
3
Kathryn B. Hauer, CERTIFIED FINANCIAL PLANNER (TM)
@KathrynHauer
Hi! Yes! It is definitely worth calling and asking them. You may need to make more than one call until you get a person who has the authority to make that change, but it can't hurt to call and ask. I'd do a bit of research first to see what the interest ranges are that the credit card company operates in so that you know where you might fall. You could also send an email...
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6
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33
Upvotes
Do 0% APR credit cards exist?
Reply
33
John S Kiernan, Managing Editor
@John
Zero-percent APR credit cards do exist. Dozens of credit cards currently have 0% interest promotions, which means they do not charge you interest on purchases and/or balance transfers for a certain amount of time (usually 6-21 months) as long as you make the minimum monthly payments along the way. You can save hundreds of dollars on big purchases or balance transfers with a 0% card. Just don't leave much of a balance remaining when the regular APR kicks in.
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